If you’re a Chime user with a regular salary who is curious about payday loans that accept Chime, you don’t have to be curious again. This is because there are numerous of them in the United States that accept Chime for deposits and direct debits.

Over the years, payday loan apps have emerged as a superior alternative to traditional payday loans. These apps allow you to access funds from your paycheck before the due date with minimal eligibility requirements and often without charging interest, overdraft, or late fees. Even with a poor credit score, you can access loans on payday loan apps.

This article will give you a clear understanding of the top instant payday loans that accept Chime, even if you have a poor or no credit score.

Payday Loans That Accept Chime

Here are the top 12 payday loans that accept Chime that you can access online and without much stress.  

1. Honest Loans

Honest Loans is one of the top providers of same day loans that accept Chime. This platform collaborates with lenders to match you with credible sources, assuring you of a loan approval within 24 hours or less.

On Honest Loans, you can seamlessly borrow up to $50,000 in personal loans or cash advances. The good thing about this platform is that it allows for flexible installment repayments.

2. Dave

Dave is one of the top options for payday loans that accept Chime. You can easily connect your Chime account to your Dave app and access up to $200 in cash advances without a credit check. So, you can easily get cash advances at Dave with a bad credit score.

Dave does not charge interest or late fees on your transactions. You don’t have to worry when borrowing a loan. The beauty here is that you can repay your loan in installments.

3. Figure Loans

One of the best payday loans that accept Chime is Figure Loans. So, if you are looking for home equity loans, Figure Loans is a reliable provider of instant payday loans in the United States.

You can seamlessly integrate your Chime to your Figure Lona account through their API to make transactions easily. You can access home equity loans ranging from $20,000 to $400,000 on good APRs.

4. Klover

Klover is a leading provider of same day loans that accept Chime. Klover is popularly known in the United States as a fast and reliable financial app where you can get cash advances of up to $100 within minutes and with no interest.

Klover also does not carry credit checks, so you can apply even without a credit score. Additionally, it has a flexible repayment plan that allows you to repay in installments.

5. Varo Money

Varo Money is a reputable provider of payday loans that accept Chime. You can easily connect your Chime to your Varo Money account and perform cash advance transactions faster without any form of limitation. It is highly suitable for those looking for a platform to enable them to carry out more than one cash advance transaction without delay.

Additionally, Varo Money offers contactless debit and Visa cards. With these cards, you can conveniently borrow payday loans and repay when due.

6. Cleo

Cleo is a payday loan app that offers same day loans that accept Chime, where you can access cash advances up to $100 without fees or interest. It has no interest charges and credit checks.

Additionally, Cleo provides customized financial advice to help you improve your money management skills and build your finances so that you won’t be living on loans.

7. Albert

One of the best payday loans that accept Chime providers that you can access is Albert. With Albert, you can get up to $250 cash advances within three business days.

You stand a chance of winning a $150 sign-up bonus as a new member if you meet the specified requirements. Additionally, keep an eye out for special offers, because they have a lot in store.

Albert has a card you can use to purchase groceries or gas and earn cashback rewards on purchases, even with a $0 balance and no fees. You can even get up to 20% cashback. That’s how wonderful it is.

8. MoneyLion

MoneyLion provides payday loans with no interest, no late fees, and no credit checks. You can access up to $25 to $250 in cash advances or up to 15% of your paycheck through direct deposit.

MoneyLion works directly with Chime, giving you more financial flexibility and options on how effectively you will spend your money even before your paycheck reaches.

9. Empower

Empower is one of the best providers of same day loans that accept Chime, which allows you to enjoy free interest rates when you repay your Empower loans on your next payday due. The loans are given without conducting credit checks.

You can access cash advances of up to $250 on Empower. One of the beauties of this platform is that it gives you the potential to increase your credit line to $1,000.

10. Heart Payday

Heart Payday simplifies payday loans and extends its offerings to include installment and personal loans. With Heart Payday, you can access loan amounts ranging from $100 to $5,000, and you have the option to repay in installments throughout 3 to 24 months.

11. Chime SpotMe

Chime SpotMe is a feature within the Chime account that allows its users and customers to borrow cash advances by overdrawing their accounts up to $200 without fees.

Not that SpotMe is not a loan, it is an overdraft, but it can be used to cover unexpected expenses till your next paycheck arrives.

12. PayActiv

PayActiv is a good payday loan that accepts Chime that does not only allow you to borrow up to $00 without fee or interest but also access a variety of features, such as earned wage access and budgeting tools.

Same Day Loans That Accept Chime

Same day loans that accept Chime refer to short-term loans designed to provide quick access to funds, typically on the same day you apply. Chime SpotMe is a feature in Chime that allows you to access overdraft for up to $200 on the same day. There are payday loans and installment loans that offer same day loans that accept Chime. Examples include Klover and Honest Loans.

Payday Loans That Accept Chime Near Me

Finding payday loans that accept Chime near your location will depend on your specific area, as payday loan availability varies by state and local regulations. The best way to find payday loans that accept Chime near is to search online.  

Use search engines like Google to search for “payday loans that accept Chime near me,” or “payday loan stores near me.” This may yield results for local payday loan providers willing to work with Chime. Also, you can call Chime’s customer support to inquire about any recommended payday loan options near your location.

Another good option is to use online lender directories. Some online directories or platforms connect borrowers with lenders, such as LendUp, that can help you find payday loan options based on your location and needs.

Lenders That Accept Chime Bank

There are a lot of lenders that accept Chime Bank. Some of the best are:

• PayActiv
• Chime SpotMe
• Heart Payday
• Empower
• MoneyLion
• Albert
• Cleo
• Varo Money
• Klover
• Figure Loans
• Dave
• Honest Loans

How to Get a Payday Loan with Chime

The first thing to do when you want to get a payday loan with Chime is to choose a payday loan lender that works with Chime. We discussed 12 such payday loan providers in the first section. The next thing is to review the lender’s eligibility requirements. Payday loan lenders usually have specific criteria, such as minimum income and age requirements. Ensure you meet these criteria before applying.

If you meet all the criteria, the next thing is to apply online through their website or app. You’ll need to provide personal information, including your name, address, contact information, and Social Security number. When applying with Chime, you must provide your Chime account details. This includes your Chime account number and routing number, which are necessary for the lender to deposit the loan funds directly into your Chime account.

Do not forget to specify the loan amount you need and the loan term. Carefully read and understand the terms and conditions of the loan, including the interest rate, fees, and repayment schedule. If you are comfortable with them, you can proceed with your request. If your application is approved, the lender will disburse the funds directly into your Chime account. This is why providing accurate Chime account details is crucial.

Does Cashnetusa Accept Chime Bank?

YES, CashNetUSA accepts Chime Bank. CashNetUSA offers several types of loans, such as payday loans between $100 to $600, installment loans, and lines of credit from $100 to $3,500. You can access it online, and its repayment schedule is flexible. They note that CashNetUSA charges interest on its loans. The rates differ depending on the type of loan you are going for

Installment Loans That Accept Chime Bank

Installment loans are longer-term loans that allow you to repay the borrowed amount in fixed, scheduled installments over an extended period. There are online loans and payday loans that offer installment loans that accept Chime Bank. Some of the notable ones include CashNetUSA, Klover, and Honest Loans.

Instant Payday Loans That Accept Chime

If you’re looking for instant payday loans that accept Chime, the best decision is to go for online payday loan providers, financial apps, or lenders that quickly disburse funds to your Chime account.

These loans may offer fast approval and funding, and they often come with high-interest rates and fees, so it’s crucial to use them responsibly. Here are some options to explore:

• CashNetUSA: CashNetUSA is an online instant payday loan provider that accepts Chime. They offer a straightforward application process and, if approved, can provide funds to your Chime account quickly.
• Dave: Dave is a financial app that offers cash advances based on your upcoming paycheck. It’s known for its quick approval and direct deposit into your Chime account. Dave doesn’t perform credit checks and offers small, interest-free advances.
• Earnin: Earnin is another financial app that allows you to access your earned wages before your payday. You can link your Chime account for direct deposit, and they don’t charge interest or fees, but they accept tips as a form of repayment.
• Brigit: Brigit is one of the instant payday loans that accept Chime, similar to Dave and Earnin, providing advances on your paycheck. It’s compatible with Chime for direct deposit and can offer quick access to funds.
• Chime’s SpotMe: If you’re a Chime account holder, Chime offers a feature called SpotMe, which allows you to overdraw your Chime account without incurring fees.
• PayActiv: PayActiv is an employee benefit that allows you to access your earned wages before your payday. If your employer partners with PayActiv, you can use this service to receive instant payday advances.
• MoneyLion: MoneyLion offers instant cash advances to Chime users. They provide up to $250 cash advances with direct deposit, and they don’t charge interest or late fees.

Conclusion

These 12 listed payday loans that accept Chime are not the only ones, but they have proven to be the best and most reliable. Despite their reliability, it is advised not to depend on or use them consistently as they will keep you in the debit circle continuously.