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Compare other cash advance apps or payday loan alternatives before you make a final decision.į is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. These six cash advance apps that work with Chime aren’t your only means of getting a short-term loan when you need it. And in some cases, they may be able to find enough “free money” in your budget to avoid borrowing money at all. A credit counselor can help you create a plan to bring your spending back in line with your income. Consider looking into these resources if you tend to rely on cash advance apps to get by. Many cities and states support local programs to help you cover food, utilities and rent when money’s tight.
Cash advances come with a high interest rate, so consider a card like the PenFed Platinum Rewards Visa Signature® Card that offers a lower than average cash advance rate. You’ll pay a transaction fee and interest will be charged immediately without a grace period, but your limit could be higher than a cash advance app. If you need money in a pinch, consider withdrawing cash from your credit card. If cash advance apps are too restrictive for your needs, consider alternatives that include: And in most cases, new users can’t borrow more than $50 at a time until they’ve used the app for several months. The maximum loan amount is typically around $250. Alternatives to cash advance apps for Chime customersĬash advance apps are best if you need small sums of money between paydays. If you choose Chime from the banking list, you’ll see a message on whether or not you can use Chime or not. To find out if you’re eligible to use Chime with Earnin, you’ll know when you’re choosing a bank during the app setup. Since Chime users receive their payment two days before their scheduled payday, Earnin states it makes it difficult to support Chime users. At the time of writing, Earnin is allowing a small group of test users that bank with Chime to use Earnin.
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If you don’t qualify for Chime or its up to $200 limit is too low, it may be worth switching to a free checking account that works with more cash advance apps. The biggest disadvantage with Chime is that it doesn’t play nice with other cash advance apps. You’re golden as long as you have an active Chime debit card and have received at least Single qualifying $200 direct deposit into Chime checking account in the last 34 days. SpotMe’s eligibility requirements are easier than other cash advance apps that work with Chime. When the app sees that you’ve overdrawn on your account, it simply covers the balance until you get paid again. Unlike other cash advance apps that work with Chime, SpotMe is instant, which means you don’t have to request it. Should I stick with Chime?Ĭhime offers a solid checking account with no fees, early paydays - and, most importantly, free overdraft protection that will “spot you” up to $200 until your next paycheck. We compared multiple pay advance apps that were compatible with Chime and compared loan amounts, turnaround times, subscription fees, the time between advances, and eligibility requirements. All international money transfer services.Best debt consolidation loans of September 2023.
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