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What to Do When You Need Funds and Can’t Get a Loan

If you’re short on money and need quick cash, you might try selling items, gig work, or exploring community assistance programs.

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Updated August 20, 2025 Advertising disclosure
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Edited by John Howard
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Written by Rachel Alulis
Editorial note: Here at MoneyFor, our goal is to help you make informed financial decisions. We are committed to accuracy and impartiality in all our content. It’s important to note that articles may reference products from our partners who compensate us. This influences which products we feature and their presentation on our site, not our evaluation.

Key takeaways

  • Credit unions and community banks offer loans with lenient eligibility requirements.
  • Avoid predatory lenders that charge excessive fees and have short repayment terms.
  • If you can’t get a loan, consider borrowing from friends and family or explore community assistance programs.

If you need funds soon, you can find funds in ways other than traditional loans from banks. A personal loan can be hard to get if you have less-than-perfect credit. But that doesn’t mean you’re out of options. There are plenty of ways to borrow money or increase your cash flow if you have poor credit.

That said, many lenders with lenient requirements don’t offer the most affordable rates. Be cautious of lenders that charge high interest rates or have additional fees. You can find better options.

We’ll go over alternative ways to access money when traditional loans are out of reach.

Jump to:

Sell unused items online

If you need quick cash but can’t get a loan, look around your home. You may be sitting on hundreds of dollars’ worth of unused stuff. Selling items like electronics, clothing, furniture, tools, or collectibles can generate money fast without taking on new debt.

List your things on platforms like Facebook Marketplace, Craigslist, eBay, or apps like OfferUp and Mercari. Take clear photos, write honest descriptions, and price competitively to sell quickly. Local selling options are often faster because there’s no shipping involved. Turning clutter into cash can be one of the safest and most immediate solutions when you’re in a financial pinch.

Access your paycheck early

Many employers offer earned wage access (EWA) programs, which let you tap into the money you’ve already earned before your regular payday. You may be able to access your pay early through your HR department or your employer may partner with a third-party .

Ask about costs and repayment before you borrow. Fees are typically low (or optional), and interest charges are rare. Paycheck advances are usually deducted from your next paycheck. While they can help you cover urgent bills, groceries, or other expenses, you need to budget for a smaller payday.

Earn money quickly via side hustles

When a loan isn’t an option, side hustles can help you bring in cash fast – sometimes within the same day. If you have a car, consider driving for Uber, Lyft, or delivering for DoorDash or Instacart. Have skills in writing, design, or data entry? Platforms like Fiverr and Upwork offer freelance gigs you can start quickly. Even simple tasks like pet sitting, babysitting, or yard work can turn into immediate income through apps like Rover or TaskRabbit.

Many side hustles let you set your own hours and get paid quickly, especially if you choose options with instant payout features. The key is to focus on services in demand in your area or online. While this approach requires effort, it offers a safe and flexible way to make money without debt or long-term financial risk.

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Unemployed but need cash?

Pawn valuables

When you need funds the same day, you can visit a . Take an item of value that you are willing to part with to the shop. Popular items include jewelry, electronics, musical instruments, or collectibles. The pawnbroker will provide you with a short-term loan based on the value of your item. You can reclaim the item by repaying the money with interest by the due date. Or you can sell the item outright. Selling the item usually nets you more cash.

Pawnshop loans are easily accessible with flexible credit evaluation or application. The catch is that they come with sky-high APRs and short repayment periods. While they won’t trap you in debt, you risk losing your item if you can’t pay.

Try a temporary balance boost app

These will advance you $50 to $500 on your upcoming paycheck without a credit check. They rely on your direct deposit instead.

Fees are often minimal, and interest rates tend to be nonexistent. Many apps will ask for either a subscription fee or an optional tip. If you’re desperate for money, you can also pay a additional fee for expedited funding and receive the cash the same business day. Otherwise, you’ll have to wait one to three days.

If you have direct deposit and need extra cash now, this can be a good option. Be sure to budget for a lower paycheck and be careful that the fees don’t add up too much.

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Apply for a payday alternative loan

Certain federal credit unions offer payday alternative loans (PALs) as a safer choice than short-term loan due on your next paydays. These loans are from $200 to $2,000 and have repayment terms of one to twelve months. The APRs are capped at 28%, and the application fee cannot exceed $20.

PALs are ideal for credit union members with poor or fair credit who need a small loan. Most credit unions don’t consider your credit score and instead rely on your ability to repay to approve the loan.

Look for community loans

Community loans can provide valuable financial support. Local non-profits, credit unions, and community organizations often offer low-interest loans or grants to help with immediate needs. Explore these community-based options for a safer and more affordable solution. Make sure that the APR does not exceed 36% and that the repayment terms are reasonable.

Secure a personal loan

Credit unions, community banks, and with potentially lenient criteria. Personal loans often have a repayment period of two to seven years and come with a fixed interest rate. The APR ranges from 6% to 36%, and amounts vary from a few hundred to tens of thousands of dollars.

Personal loans are a good choice if you need to borrow a large amount and can get favorable terms.

Consolidate debt and save

If too much of your paycheck is going to paying off high-interest debts, then consolidation may help you save money. Debt consolidation is when you roll multiple debts into one. You take out a new loan at a lower interest rate and use the proceeds to pay off your debts. Or you can apply for a balance transfer credit card with an introductory 0% APR and transfer your outstanding balances onto the new card.

The idea is to simplify your monthly payments and secure a lower interest rate, thus saving money. Look for that offer favorable terms to increase your cash flow.

How can I get money if I’m struggling?

If you’re struggling financially, it can feel like there are no good options, but help is out there. Start by looking into community resources like food banks, rental assistance programs, or utility relief offered by local nonprofits or government agencies. Charitable organizations may be able to help with essentials and free up cash flow.

You can also contact your creditors to request hardship programs, payment deferrals, or lower monthly payments. Many creditors are willing to work with consumers, especially if you’re facing job loss, divorce, or other significant events.

Borrowing money is not always easy, but some lenders have more lenient criteria. Credit unions, local banks, online lenders, and peer-to-peer loans are all potential options.

Whatever you do, avoid high-cost loans that could worsen your situation. Predatory loans are those with unfair, misleading, or unaffordable terms that only serve to benefit the lender.

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Are you looking for immediate loan options?

Avoid high-risk loans

Many people struggle to make ends meet each month, as they lack sufficient funds to cover all their bills and expenses. In this situation, it can be tempting to take out a . The problem is that many less than ideal credit short-term loans are from predatory lenders who charge exorbitant APRs – think short-term loan due on your next paydays. An expensive high-risk loan can worsen your financial situation.

Payday loans

may seem like a quick fix when you’re out of options. They are easy to get with flexible credit evaluation, fast approval, and minimal criteria, but come with extremely high fees and interest rates. The APR is over 600% in certain states. The majority of borrowers end up having to take out another loan to cover the first and fall into a cycle of debt.

Car secured loan using your vehicle titles

let you borrow money by using your vehicle’s title as collateral. You receive a loan of 25% to 50% of your vehicle’s value, often with flexible credit evaluation and same-day funding.

But they’re risky. Fail to repay, and you could lose your car. These loans typically come with high interest rates and short repayment terms, making them difficult to pay off without rolling over the balance.

Credit card temporary balance boost

Credit card temporary balance boosts are another instant high-cost option. You go to an ATM or your local bank branch and withdraw cash using your credit card. Most credit card issuers allow for this and give a separate credit limit for temporary balance boosts.

Temporary balance boosts come with multiple fees. There is a 3% to 5% transaction fee, an ATM fee, and a higher-than-usual APR. Plus, interest starts accruing immediately.

If you take one out, you need to pay it back fast.

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Require quick cash help?

How can I borrow money without a loan?

Borrowing money without engaging with lenders is possible and can be your best option.

Visit a local charity or nonprofit

Many communities have resources designed to assist residents with essential expenses such as food, utility bills, and even rent. Look into local charities, nonprofits, and religious organizations.

For instance, food banks can reduce your grocery expenses, while some organizations offer one-time financial assistance to prevent eviction or keep the utilities running. These services are typically reserved for those in dire need. Call 211 to learn more about financial resources in your area.

Borrow from your retirement account

is technically a loan; you are borrowing from your retirement. 401(k) loans are not based on your credit score and tend to come with low interest rates and few fees. You also pay the interest back into your retirement account. Be sure to repay the money on time to avoid penalties, excess taxes, and to ensure your retirement savings remain intact.

Leverage your life insurance

If you have a whole or universal life insurance policy, you may be able to take out a loan against the policy’s cash value. This option allows you to borrow money without affecting the death benefit as long as the funds are repaid. The insurance company does charge interest on the loan.

Ask loved ones for a loan

Borrowing from friends or family can be the simplest, fastest, and cheapest solution. Most friends and family will not charge interest or fees. Before you go this route, you need to get a loan agreement in writing. Enter the loan amount, terms, frequency of payments, and the payment amount. Be sure to repay the money as agreed to avoid damaging the relationship.

Frequently asked questions

1. Where can I get money fast in an emergency?

For emergency funding, consider paycheck advances that provide a lump sum on the same day. Federal credit unions offer payday alternative loans (PALs) that are more affordable. No matter which loan you choose, make sure you review the terms carefully and can repay it as agreed.

2. What is the minimum credit score for emergency loans for low income families?

The minimum score required varies widely depending on the financial institution and the type of loan. Banks generally require good to excellent credit – scores of 670 or higher. Many credit unions and online lenders have more lenient requirements.

3. How can I receive funds once approved without a hard inquiry?

To get funds as soon as possible without a credit check, look into a payroll advance or temporary balance boost app. Both give instant funds as soon as possible with few fees, but you need to be employed.

4. Do I need good credit to get a loan without a job?

Having good to excellent credit can help you get approved, but it’s not necessary. No income loans are often based on other factors, such as previous financial relationships or collateral. Lenders will likely still consider your credit score to determine risk. Without income, you will likely face higher interest charges or need a cosigner.

5. How can I get some money right now if I can’t get a loan?

Consider borrowing from friends or family, requesting a paycheck advance, or selling valuables. Local community organizations often offer financial assistance or grants to those in need. Crowdfunding platforms can another viable way to raise funds quickly.

6. Who can help me with money urgently?

When you need urgent financial help, consider reaching out to local non-profits, religious organizations, community assistance programs, friends, and family. Government assistance programs and social services can also provide emergency aid when you don’t have money for food.

Bottom line

If you’re in need of money but have less than ideal credit, don’t give up hope. There are plenty of avenues to explore beyond traditional loans, and there are lenders who consider other factors besides credit scores. Visit your local credit union or find online loans with lenient requirements.

Research different types of loans and lenders. Make sure you check eligibility without affecting your score with at least three lenders so that you can compare rates, fees, and terms to find the best loan for you.

There are ways to get money when you need it, regardless of your credit or income. Although it may take some effort to find them, you will be able to access the cash you need.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.
2. Paycheck Advance is an earned wage access service and is not a loan or credit product.
3. Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC. The Current Visa® Debit Card, which may be issued by Choice Financial Group and/or Cross River Bank, and the Current Visa® secured charge card, which is issued by Cross River Bank, are all issued pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. A Current debit account is required to apply for the Current Visa® secured charge card. Independent approval required.
4. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.
5. Debit card: Fees may apply, including out of network cash withdrawal fees, third-party fees, cash load fees, inactivity fees, account closure fees, international transaction fees, replacement card fees, express mail fees and escheatment fees.                                                                                                                                                       Build Card: Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.
6. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.
7. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.
8. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.
9. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC.
10. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Eligible Direct Deposits into your Current Account over the preceding 35-day period and fulfill other requirements subject to Current’s discretion. Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. For more information, please refer to Fee-free Overdraft Terms and Conditions. Individual Current Accounts only.
11. For eligible customers only. You may earn Points in connection with your Build Card purchases at retailers whose merchant code is classified as: Dining (e.g., restaurants) and Groceries (e.g., supermarkets) and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. Points will expire 365 days after they settle. For more information (including specific eligibility criteria), please refer to the Current Points Terms and Condition.
12. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.
13. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. No minimum balance required. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. To earn a Boost rate of 4.00%, the sum of your Eligible Payroll Deposits over a rolling 35-day period must be $500 or more, with at least one Eligible Payroll Deposit equalling a minimum of $200. For more information, please refer to Current Boost Terms and Conditions.
14. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.
15. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.
16. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
17. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
18. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
19. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
20. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
21. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
22. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
23. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
24. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
25. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
26. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.
27. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.
28. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
29. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
30. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
31. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
32. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
33. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.
34. Tipping or not tipping has no impact on your eligibility for SpotMe®.
35. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
36. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.
37. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.
38. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.
39. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.
40. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.
41. MyPay is only offered in select states
42. To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 – $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply.
43. Not affiliated with Empower Annuity Insurance Company of America (www.empower.com).                              Not everyone will qualify. Offers range from $10-$300 for first-time customers; $10-$400 for all others. Offers are based on our eligibility requirements and can go up with on-time payments. In Feb 2025, the average offer was $95 for first-time customers; $187 for all others. Instant delivery is optional—see fees in Empower’s Terms.                              Empower offers a 14-day trial for first-time customers followed by an auto-recurring $8/month subscription fee. Cancel anytime.
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About the author

Author Rachel Alulis Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor's credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor's degree in journalism and an MBA.

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