Best Loan Apps that Works With Chime – Payday Loan Apps


Are you looking for other loan apps that are eligible for Chime, if yes, then you are in the right article? In today’s article, I will be reviewing four loan apps that work well with Chime.

Loans installment apps or cash advance apps are digital platforms where people can apply for small loans, and get them paid back when their paycheck comes. 

Cash advance apps compared to traditional bank loans, are preferable.


In terms of the interest fees, loan apps or cash advance apps come with a lower interest fee or no interest fee, compared to traditional bank rates.

Are you using Chime and are you looking for other alternative cash advance apps that can help you save your expenses rating when you are low on cash.

As a Chime user, you also have other benefits like the Chime Spot me, but if you are looking for other alternatives, fine.

Some alternatives of loan apps for Chime are Cleo, Dave, Empower, and the likes.


Loan Apps that Works With Chime


We will be making reviews of these apps one after the other, so you can choose the best option.

Most people do consider a particular loan app due to the interest rate level, loan apps that have higher interest fees, and are less considered by users.


4 Loan Apps that Work with Chime [Complete Review]


4 Loan Apps that Work with Chime


Therefore, the followings are several loans apps available for Chime and their reviews:

  • Empower

Empower is one of the loan apps that is supported by Chime, with Empower you can get a cash advance up to 250$, and it offers a charge of $8 as a monthly subscription fee.

As a Chime user, you can connect your Empower account to your Chime account, once you are qualified to get cash advances.

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If you want to successfully get a cash advance for empowering, you need the following:

  1. A positive account balance
  2. Your balance History
  3. Your Chime bank account is to be opened for at least 60 days 
  4. Deposit from the same employer
  5. You should have made up to two transactions.

Whenever you get a cash advance from Empower, you pay exactly the amount you were given, Empower does not include any interest rate.


  •  Cleo

Cleo comes with entirely different functionalities, unlike other cash advance apps.

With Cleo, you can build up your finances. And can make a cash advance of up to $100 without any interest fee.

However, before you can use Cleo, you must add your Chime bank account to Cleo before you will be able to continue with this operation.

Cleo is supported by most banks, such as Natwest, Royal Bank of Scotland, and so on.

Another feature associated with Cleo is:

Loan Amount: you can get a cash advance from $20 – $100


  • Dave

Dave is one of the apps where you can get a cash advance if you are low on cash. With Dave, you can get a cash advance of up to $250, with a one-monthly fee. However, before you can use the Dave app, you must link your Chime account to Dave.

If you want to link your Chime account to Dave, it  can be done with the following steps below:

  1. Step 1: Open the Dave App
  2. Step 2: Select the Linked Banks and card
  3. Step 3: Click on the Next Button to link your Chime bank
  4. Step 4: Choose the Chime bank
  5. Step 5: Follow the instruction on the screen, to complete the process of adding your Chime account to Dave.


  • Money Lion

Money Lion comes with a no-fee cash advance and allows people to build their financial status, by helping customers reach their financial goals.

With Money Lion, you can pay back your cash expenses, when you have the money. 

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Users can access their Chime bank features once they can link their account on the MoneyLion Platform.

Here is how you can link Chime on MoneyLion:

  1. Step 1: Open the MoneyLion app on your mobile device.
  2. Step 2: Tap Transfer
  3. Step 3: Press the Add Account 
  4. Step 4: Select Chime Bank.


Does Klover Work with Chime?


Klover works most often with people who are employed and therefore receives payments from the employer, either monthly or weekly.

Getting the advance payment requires no minimum credit checks, unlike other apps that require you to have made a deposit of a minimum amount before you can begin using its features.

Klover cash advance involves no credit check required.

To get started with klover, you need to get the Klover mobile application from the appropriate play store, and then verify your paycheck information and link klover to your bank account.


Can I Get a Cash Advance with Chime?

Spot me is an optional, no-fee service that lets members with an active debit card make certain transactions that overdraw your Chime checking account.

Spot me is available for every user who has activated their Chime debit card and has made a minimum deposit of $200. 


Here is how to spot my works:

Let’s say you made a purchase of $100 and you have only $85 in your checking account, since over drafting is allowed on Chime, instead of Chime adding their own interest to the remaining $15 dollars that was added, you will be charged the $15 only, without any other charges. 

The next time money is deposited into your account the $15 will be taken, as payment $15.


Does Earnin Work with Chime?

Earnin doesn’t support Chime. The answer to this question is both yes and no, yes in the sense that some users can also make use of the Chime on Earnin, while most users are not supported, therefore, it is necessary to ensure that your Chime account is supported by earning.

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Does Klover Work With Chime? How To Use Klover On Chime

Does Earnin Work With Chime? How To Use Earnin With Chime

How To Use Spot Me On Chime

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Does Afterpay Take Cash App/Chime/PayPal?


Video Guide







In this article, I have listed the 4 best loan apps or cash advances that can be helpful to you if you are on low cash. 

Among the apps listed, the most preferred one is the Empower app. aside, it has no interest rate charge, and it is also fully recognized by Chime.

Although apps like Klover and Dave also provide intuitive features, that could be thought of.

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