Top 9 Best Apps Like Earnin That Work With Chime

If you are looking for apps like Earning that work with Chime, then we have good news for you. If you bank with Chime, you may be looking for compatible cash advance apps. These apps enable you bridge the gap with a paycheck advance without having to resort to predatory payday lenders with their astronomous overdraft and interest fees.

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Top 9 Best Apps Like Earnin That Work With Chime
Top 9 Best Apps Like Earnin That Work With Chime

You don’t want to fall behind on bills and are wondering how to get an instant $50 or $100 loan or what apps can pay you today? With apps like Earnin that work with Chime, sure, another 150 dollars paid out early wouldn’t hurt.

Why Borrowers Crave Apps Like Earnin That Work With Chime

The followers are reasons why American loan customers are always seeking apps like Earnin that work with Chime

  • You get paid early: direct deposits are available up to two days before payday.
  • Low fees. There’s no monthly fee, minimum balance fee, or overdraft fee.
  • Large ATM network. Chime has 60,000 ATMs nationwide.
  • Easy fee-free payments. You can send money to anyone with a bank account with no fee.

What is Chime and How Does it Work?

What is so peculiar about apps like Earnin that work with Chime? Chime is not a bank. Its banking products are offered through the Bancorp Bank or Stride Bank. Both of these banks are FDIC members, so Chime accounts are insured.

The app offers a spending account with a Chime Visa Debit Card. The spending account is designed to receive direct deposit paychecks. Chime also offers a savings account and a secured credit card designed for building credit. You need to have a Chime spending account to use these products.

If you’re strapped for time, and you are in search of payday loan apps like Earnin that work with Chime, then the following list will be useful.

What are the top 9 best cash advance apps like Earnin that work with Chime account? Let’s take a look at the following list:

  1. Empower
  2. Cleo
  3. MoneyLion
  4. Branch
  5. Dave
  6. Albert
  7. Varo
  8. Klover
  9. Chime SpotMe

1. Empower

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Top 9 Best Apps Like Earnin That Work With Chime

Empower is one of the best apps like Earnin that work with Chime Bank so you can get a cash advance of up to $250 through the payday loan app.

Empower is an app designed for today’s generation. No matter what lies ahead, they’ll help you thrive by letting you borrow money. By downloading the app you can get a cash advance of up to $250 when you need it most, and save for your future.

Empower tracks your spending, helps you budget, and automatically sets savings aside. You also get the Empower card, which you can use at selected merchants and get up to a 10% cashback reward. There are no overdraft fees, insufficient funds fees, or minimum balances.

Empower costs $8/month, but offers a free cash advance up to $250. To link Empower to your Chime account you search for Chime, select, and fill in your account details.

To link to your Chime Bank account to Empower:

Go to the Home page of your app and scroll down to the Accounts section
Click on the + icon on the upper right
add Chime to Empower
If you can’t find your banking institution in the list, tap on the magnifying glass 🔍 on the upper right and you’ll be able to search for it.

2. Cleo

Top 9 Best Apps Like Earnin That Work With Chime
Top 9 Best Apps Like Earnin That Work With Chime

Cleo is the 2nd on our list of apps like Earnin that work with Chime account. Cleo not only tracks spending, it also acts as a budgeting app and helps you save. The app will give you a fee-free cash advance to help out until payday. Like Dave, Cleo has access to your bank account and will get the sum back on payday. Many Cleo functions are free, but the cash advance is part of the Cleo+ package, which costs $5.99 a month.

To link your Chime account to Cleo just search for Chime using the bar at the top of the app. You’ll need to provide your login details.

In order to add Chime Bank to Cleo, you’ll have to:

  1. First, withdraw all the money into the account attached to your Wallet by saying “withdraw $amount” to Cleo. It will take 4 business days for your money to withdraw.
  2. Then say “wallet” to Cleo and hit ‘View 🌠’ (if you’re in the app hit ‘Manage your Wallet’).
  3. Hit ‘Update bank’ and Cleo will give you the option to link an existing bank to your Wallet or to add a new account to Cleo via Plaid.
  4. Add your Chime Bank account to Cleo next.

3. MoneyLion

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Top 9 Best Apps Like Earnin That Work With Chime

MoneyLion is a mobile banking platform. Part of the package is a cash advance program they call Instacash. The cash advance limit is based on the size of your direct deposit and can be as high as $250. If you sign up for other MoneyLion products you can advance up to $1000.

MoneyLion gives you more, a lot more so you can get paid today. You can get spotted $250 at any time with no interest with Instacash. This gets you 0% APR cash advances up to $250 to help you cover essentials and surprises, just apply here and link your checking account (no monthly fee). Plus, you can get your paycheck up to two days early with RoarMoney – plus easy ways to borrow, save, invest, and earn. All in one app.

The banking app has its own debit card, and most users will take their cash advance through their MoneyLion card. If you use both services and you’d like to receive your MoneyLion advance in your Chime account, just go to “Transfers”, click “Add Account”, select Chime and add your account.

4. Branch

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Top 9 Best Apps Like Earnin That Work With Chime

Branch is another of those apps like Earnin that work with Chime, but there is a catch. As per the Branch Support Page, if you bank with Chime, you will be required to put your direct deposit in your Branch Wallet to qualify for an advance.

In order to add Chime to Branch, select Settings, then Payment Methods. At the bottom of Payment Methods, you’ll have the option to add a new bank or card. Click on the “Add Bank or Card” and select “Bank.” and choose Chime.

Apps like Branch offer a mobile digital wallet for working Americans. An on-demand hub that helps them meet their everyday financial needs, this get paid today app allows any employee to receive a payroll advance (up to $500 in earned wages per paycheck), manage their cash flow, and spend anywhere – all from their smartphone.

5. Dave

Top 9 Best Apps Like Earnin That Work With Chime
Top 9 Best Apps Like Earnin That Work With Chime

Dave is one of the best apps like Earnin that work Chime. There are no issues when connecting your Chime Account to Dave. Dave members can get up to $100 advances without paying a fee.

Apps like Dave pride themselves on being banking for humans. The app helps you puts your financial mind at ease. With it, you can get paid up to two days early, build your credit history and get up to $100 advances without paying a fee. 7 million members and counting consider Dave one of the top reliable cash advance apps.

For a flat fee of $1 a month, Dave gives interest-free cash advances up to $100. Payment is due on your next payday or on the next Friday, depending on the amount. You will need a steady income, but there’s no credit check.

If you’re a Dave member, search the list of banks, select Chime, and use your login details. If you already have a bank linked to your Dave app, go to the profile tab, select Linked Banks and Card, tap Change and go to the bank search.

6. Albert

Top 9 Best Apps Like Earnin That Work With Chime
Top 9 Best Apps Like Earnin That Work With Chime

Albert is our 6th pick on the list of apps like Earnin that work with Chime. There are no issues when connecting your Chime Account to Albert. With Albert Instant eligibility, and you may be approved for up to $250 per advance.

Albert is also a money management app, analyzing your income and spending habits, making savings and budget recommendations, and moving savings into a linked digital wallet. The app is free but offers a premium service, Albert Genius, at $4/month. Genius features include personal finance tips and advice from live experts, a 1% reward on your savings, and a micro-investment account.

To receive Albert’s cash advances in your Chime account. Go to the “Budget” tab, tap +, select Chime, and add your account. To add Chime to Albert:

  • Go to the Overview tab
  • Tap the plus sign (+).
  • Select Chime Bank or search for it by name if it’s not listed.
  • Enter your financial institution account credentials.

With Albert,  you can:

  • Get a no-fee and interest-free cash advance of up to $250
  • Pay a small fee to get your money instantly or get cash within 2–3 days for free
  • Incure simply a cost of $4 per month after a 30 day free-trial.

7. Varo

Top 9 Best Apps Like Earnin That Work With Chime
Top 9 Best Apps Like Earnin That Work With Chime

Varo is a full-fledged online financial platform, just like MoneyLion with features very similar to Chime’s. You get a debit card with access to an ATM network and a variety of other products, including high-yield savings accounts paying up to 3% interest.

Varo will give you a cash advance up to $100 if your account is active and at least 30 days old. You’ll also need to have received at least $1000 in direct deposits in the last 31 days. You will have from 15 to 30 days to pay the money back.

Most account holders who take a cash advance from Varo will simply take the money in their Varo account and use their Varo debit card to withdraw it. If you want to use Chime, go to Accounts on your Varo app, Choose Link an Account, search for Chime, and log into your Chime account.

8. Klover

Top 9 Best Apps Like Earnin That Work With Chime
Top 9 Best Apps Like Earnin That Work With Chime

Klover is our 8th pick on our list of apps like Earnin that work with Chime. Yes, Klover does work Chime. There are no issues when connecting your Chime Account to Klover. Klover members can get up to $100 advances without paying a fee.

Apps like Klover can give you some extra cash before payday. Just have at least three consistent direct deposits within the past two months with no gaps in pay with the same employer; once you meet those requirements feel free to apply and request a boost of a $100 cash advance.

In order to add Chime to Klover:

  • Log in & head over to the “Profile” icon on the dashboard
  • Select “Bank” and “Remove”
  • Select “OK” to confirm that you will be removing your bank account and debit card (your debit card will automatically be unlinked once you remove your bank account)
  • Use Plaid (our third-party) to log in to Chime Bank

9. Chime SpotMe

Top 9 Best Apps Like Earnin That Work With Chime
Top 9 Best Apps Like Earnin That Work With Chime

If you’re looking at cash advance apps like Earnin that work with Chime, the simplest place to start is SpotMe, Chime’s own advance program. SpotMe is a no-fee overdraft service.

If you have a Chime bank account and you have received $500 in direct deposits in the last 31 days you are eligible for SpotMe. You will have to continue to receive at least $500 every 31 days to stay eligible.

When you register, you will get a SpotMe limit, usually starting at $20. You may be eligible for a limit up to $200, depending on your deposit history.

SpotMe will cover all or part of debit card purchases up to your limit. There’s no limit on the number of transactions. Your overdraft will be deducted from your next direct deposit, with no additional fees. You cannot withdraw cash or use SpotMe to fund a transfer.

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In need of an instant loan or an emergency cash loan? You can apply through any of the top loan apps in Nigeria and get funded under 3 hours, a few more hours or within 24 days.

If you are in United States of America (USA), you can also apply for an emergency cash advance loan even if you have a poor or bad credit rating. If you need the top and best Apps For No Credit Check Loans, direct to your debit card, CLICK HERE.

These Top 10 Best Instant Loans No Credit Checks Guaranteed Online Approval are also highly recommended.

If you are in Canada, these 10 cash advance loan apps could meet your emergency and quick cash loan request.

For instant, payday, emergency or advance cash loan if you are in Australia, CLICK HERE.

CLICK HERE to apply if you are an unemployed in US.



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About the Author: Femi Adeoya

Mr Femi Adeoya is a Chartered Forensic Accountant and a Certified Fraud Examiner. He has over 20 years professional work experience in accounting, finance and business management processes. As an Accounting Software Expert, he has implemented and supervised accounting solution set up of over 50 small and medium businesses in Nigeria. As a passionate blogger, Mr Adeoya is an ardent writer and communicationist. He is the CEO of QUICK LOAN ARENA (quickloanarena.com), the number 1 loan apps review website in Nigeria. He is very passionate about the quick and instant loan industry in Nigeria and has written over 200 reviews on different loan apps and digital banks in Nigeria, USA, Canada and UK.

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