5 Payday Advance Apps That Work With Chime [No Interest Rate]


A large number of people, mostly US citizens, prefer to spend their monthly or weekly income even before their next payday.

People often consider the need for a cash advance most especially when some personal needs arise, something like payment of House rent or whatever expenditure it may be.

Your payday implies the day where you make repayment of the money you have borrowed, this is done, through your monthly income or the income you receive at work.


A cash advance is quite different from loans, the money you get from a cash advance will be repaid from the amount you are being paid by your employer.

Although some cash advance apps attract an interest rate. The interest rates depend on the platform you are borrowing the money from, some banks tend to increase their interest fees based on some conditions like:

  • Not paying the money at the agreed time.
  • Extending the payday of the money you have borrowed.


Payday Advance Apps That Work With Chime


Banks and financial institutions like Empower, Cleo, and MoneyLion offer a no Interest fee. While some cash advance apps like Varo do attract an extra amount of money to be paid while making a repayment.

Coming down to the Chime bank, I am pretty sure that by now you should be enjoying the amazing offers of Chime.

Chime isn’t a bank, but often, people do term it as a bank, because it offers several banking functions that you will certainly find in a physical or traditional bank.

With Chime, you can deposit money and as well transfer money to other people.


Don’t you think since Chime offers several bank functions, then it ought to be accepted by cash advance apps?

Yeah, that perception can be right, that is why I will be listing out several payday cash advance apps that work with the Chime app.


Payday  Cash Advance Apps That Works With Chime  [Guide]


Payday Advance Apps That Work With Chime


Several cash advance apps support Chime, some of these apps offer an interest rate, while others do not.

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I have made a curated listing of cash advance apps that work with Chime.


  • Empower

Yes, this came out first on our list, because it’s officially recognized by Chime, as a means for users to make cash advances. With Empower you can get a cash advance of up to $250 directly deposited into your account.

One amazing thing with Empower is, that it is No Interest, No Credit Check, and No fee payment. Meaning you can get a cash advance of up to $250 Without paying any form of interest rate.


  • Klover

Klover happens to be among our curated list because of its no interest fee, also it doesn’t require any minimum credit check before you can get qualified for your cash advance.

With Klover you can get up to $100 as a cash advance. Linking your Chime  to the Klover app is quite easy to do, you can follow the steps below:


  • Step 1: Open your profile on Klover, by tapping the profile icon on your dashboard
  • Step 2: Tap on Bank and tap Remove
  • Step 3: Tap on Ok to confirm the removal of your bank debit card.
  • Step 4: Use Plaid our Third-Party App to log in to Chime 
  • Step 5: Add your Chime debit card to Klover.


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


  • Albert

Albert also has a no-interest fee, and it requires no minimum credit check. With Albert, you can get a cash advance of up to $250.

Albert offers you to get up to 2 – 4 cash advances in your pay period, and it is best known as one of the best cash advance apps for budgeting and investment.

However, before you can start using Chime on Albert, you must have a consistent income payment for the past 3 months, and as well your Chime bank account must be higher than 0$.


  • MoneyLion

MoneyLion offers tasks that can help you increase your cash advance, with MoneyLion, you can get up to $250, although the minimum you can get on MoneyLion is $25.

Moneylion works perfectly with the Chime card, and it requires a no-interest rate or minimum credit check.

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Before you can get qualified to get a cash advance on MoneyLion you must have an incurring income(Monthly or Weekly).

Also, you must have your MoneyLion at least 2 to 3 months old and must possess a balance not less than $0.


  • Cleo

Yea, Cleo undoubtedly supports Chime, Cleo offers a no credit check and a no-interest fee requirement, you can get your cash advance the same day you apply, although it might attract a fee of about $3.99.

If you want to get your cash advance free of charge, then you can wait for about 4 days or thereabout.

Cleo has a cash advance range from $20 to $100, and it is best known for budgeting. However, there are certain measures taken by Cleo before you can get qualified to get a cash advance.

The measures are based on your spending habit and your repayment range.


Is Chime  Compatible With Klover?


Yes, if you have a Chime account, you can link your Chime account with Klover. And you will only be able to make cash advances if you have met the requirements and get approved.

Klover won’t charge you any extra charges from your Chime check balances, so you need not be worried about added charges.

If you want to use Chime in Klover, you need to add your Chime bank to Klover, to make repayment of your cash advance on your payday.


Does Earnin Work With Chime?

The answer to this question is 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 Earnin.


Does Varo Work With Chime?

Yes, Chime is also compatible with the Varo loan app, with Varo you can get a cash advance of up to $100. However, one standing drawback of Varo and why it wasn’t listed in my curated list of cash advance apps is because:

It doesn’t offer a no-free interest rate, and therefore, users will have to pay a fee for a particular amount.

Before you can get started with Varo, you must have met certain conditions stipulated by Varo, such as your Varo account must not be new nor must you have your bank age less than 30 days.

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Video Guide






I am quite sure, by now you should have knowledge of what cash advance apps are available that do accept the Chime bank account or bank card.

However, Chime also offers the Spot Me feature that can help you borrow from Chime, although the Chime spots me works only with the Chime debit card.

In the curated list of cash advance apps I have listed, they all share one common feature, which is no interest rate, unlike other loan apps like Varo that do attract some amount of dollars as an interest rate.

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