Cash Advance Apps That Work With Chime
Chime isn't a traditional bank, so a few legacy ACH lenders still reject it — but the major cash advance apps connect to Chime in 2026. Here's the working list, what each one costs, and how to fix common connection errors.
The short answer
Eight of the top cash advance apps support Chime today: Dave, Brigit, Earnin, MoneyLion Instacash, Albert, Empower, Klover, and Cleo. All of them connect via Plaid or a similar aggregator and verify eligibility by reviewing your Chime deposit history.
Compatible apps, fees, and limits
| App | Advance | Cost | Notes |
|---|---|---|---|
| Dave | $5–$500 | $1/mo membership + optional express fee | Connects to Chime via Plaid. Works for most users with qualifying direct deposits. |
| Brigit | $50–$250 | $9.99/mo Plus plan required | Chime is supported. Needs a checking account with regular payroll deposits. |
| Earnin | $100–$750/pay period | Optional tip + Lightning Speed fee | Pulls based on hours worked. Chime accounts are supported when payroll lands in Chime. |
| MoneyLion Instacash | $10–$500 | Optional tip + Turbo delivery fee | Works with Chime as the external linked account; advance speed depends on RoarMoney vs external. |
| Albert | $25–$250 | $8/mo Albert Genius | Chime is on Albert's supported institutions list. Eligibility based on direct deposit history. |
| Empower | $10–$300 | $8/mo membership | Connects to Chime; advance amount scales with deposit consistency. |
| Klover | Up to $200 | Free (ad-supported) or $4.99 fast funding | Chime supported; relies on transaction history scoring. |
| Cleo | $20–$250 | $5.99/mo Cleo Plus | Chime supported; requires linked checking with steady inflows. |
How to link a cash advance app to Chime
- Open the app and choose Add bank or Link account.
- When the Plaid screen appears, search for Chime and select it (not "Bancorp Bank" — that's Chime's partner bank but Plaid lists Chime directly).
- Sign in with your Chime credentials and approve the connection.
- Wait 1–3 days for the app to scan deposit history before your first advance unlocks.
If an app rejects your Chime account
- "Account not supported" — reconnect through Plaid; some apps cache an older institution profile.
- "Insufficient deposit history" — set up qualifying direct deposit to Chime and try again in 30 days.
- "Routing number invalid" — use Chime's spending account routing (starts with 031101279 or 103100195); savings routing is not accepted.
- Still rejected? Built-in Chime MyPay advances up to $500 from your own paycheck with no third-party app.
Cheaper alternatives before borrowing
- Chime SpotMe covers debit overdrafts up to $200 with no fee.
- Chime MyPay fronts up to $500 of your paycheck — $2 instant or free overnight.
- Most apps' free tier delivers funds in 1–3 business days; the express fee is what makes them expensive.