Payday Loans Online That Accept Chime Bank

If you’re in need of some quick cash, payday loans online can be a great option. However, not all lenders accept Chime Bank as a payment method.

So, which payday loans online will actually accept Chime? The most popular payday loans online that accept Chime bank are Dave, Cleo, Branch, Fig Loans, Money Lion, Albert and Klover. These apps offer Chime users the ability to get a loan without having to go through a lengthy application process or visit a physical location. Most of these apps also offer users the ability to borrow money for free if they meet specific requirements.

In today’s article, I’m going to share all of the top online payday loans that you can get, even if you only have a simple Chime account.

I believe that your bank account shouldn’t hold you back from getting the money you need. After all, a Chime bank account works just like any other traditional bank account with the exception that there aren’t any physical branches.

I’ve used several of the apps below, and the ones that I had the chance to use, I’ve heard good reviews about.

Let’s take a look! 

Will Chime Work With Your Lender?

Chime bank account is a 100% online-only banking platform that became famous for not charging any overdraft fees or monthly membership fees. These two fees are some of the most-dreaded and most-hated parts of owning a traditional brick-and-mortar bank account.

In fact, a recent statistic showed that banks took a collective $11 billion in overdraft fees from their customers in 2019 alone! 

The one drawback of a Chime online bank account is that many users report having problems obtaining a payday loan or a cash advance since it’s a “non-traditional bank.”

Below, we’ll discuss some of the top methods for getting a payday loan through Chime Bank. 

Can I Get A Payday Loan With A Chime Bank Account? 

So, now for the real question- can you get a payday loan with an online chime bank account. The answer is yes… but it’s a bit complicated.

Unfortunately, since Chime is such a new banking service and they make it easy for their customers to cancel upcoming payments at will, Chime represents somewhat of a risk to traditional payday lenders who rely on the ability to withdraw money from your account at will. 

Don’t let that discourage you, though!

Although they may be few and far between, I have managed to find a number of online payday lenders that are willing to give payday loans out to their customers.

While a few of them may require additional verification or a manager’s approval, there’s still a relatively high chance of you being able to receive a loan.

The Best Online Payday Loans You Can Apply For With A Chime Account

Here are some of the best online payday loans that accept Chime bank accounts.

As long as you have proof of income, a steady paycheck, and a few month’s worth of account history on your Chime account, then you shouldn’t have any problems getting the money you need from any one of these online lenders.

Let’s take a look! 

Fig Loans

Fig Loans became popular because they were one of the few lenders that didn’t check your credit score. They only perform a “soft inquiry” to check your general credit profile.

However, this does not show up as a derogatory mark on your credit. 

Fig is a short-term lender that provides loans between $350 and $700, which can be incredibly helpful if you’re in a bind to pay the bills on time.

Repayment terms vary, but are typically between 4 and 6 months, depending on the amount of the loan. 

One of the coolest things about Fig is that the more loans you take out and the longer you do business with them, the lower your APR will be.

For example, while your first payday loan may have a 180% APR (which is pretty high), your fifth loan may only have a 105% APR. 

This is great news for people who are struggling and living from check to check! It’s also a feature that most other payday lenders and cash advance apps don’t offer, making it an excellent choice for those looking for a long-term solution.

If you’re the type of person who constantly finds themself in need of mid-size loans (less than $1,000), then fig offers a lot more than most cash advance apps. 

This is great for more expensive things that come up such as car repairs, medical bills, school supplies, or if you’re looking for a short-term loan that you can invest in stocks or cryptocurrency.

Most of the other payday lenders and cash advance apps that work with Chime don’t offer anywhere near this amount of money and typically only offer between $50 and $100 at a time. 

The Dave App

The Dave App is an excellent way to get a small payday loan if you’re in a bind and you need some extra pocket change for the weekend!

If you’re approved for an account, you’ll be able to take out $75 at a time. To get approved, you just have to provide The Dave App with your bank account information so that they can scan it and ensure that you have a regular direct-deposit paycheck

One of the coolest things about The Dave App is that they don’t charge you any interest! Instead, they ask for “tips” (which you aren’t obligated to pay, either).

That being said, you will have to pay a small monthly subscription fee to use The Dave App. 

While this lender isn’t necessarily the best if you need to pay for a major car repair or your rent, it can really help when it comes to the smaller expenses.

For example, if you need a bit of gas to get you through the weekend, you have to take your dog to the vet, or you need to buy an unexpected birthday present. 

The best thing about Dave is that it’s a simple and easy app to use. They don’t have a super-strict approval process, they don’t perform a hard pull credit check, and they won’t harass you if you need a little bit more time to pay them back.

The only downside to Dave is that they don’t give you the ability to take out larger amounts of money like Fig. 

Money Lion

Money Lion is an online banker based out of New York. They’re progressive, diverse, and have a strong focus on equality in the workplace.

If that isn’t enough of a reason for you to trust them, then try this- Money Lion offers a credit-building service that also doubles as a short-term payday loan. 

While Money Lion does offer its own form of 0% interest payday loans to people who bank with them (yes, they offer mobile banking as well), this service is incompatible with Chime.

If you’re using a Chime account, then you’ll need to apply for Money Lion’s credit builder card. This is a low-limit $250 credit card that you must pay in installments. This is not the same as Chime’s Credit Builder feature.

While they will perform a credit check, the advantage is that you’ll get a lower-interest credit card that you can use again and again.

As long as you’re responsible for how you use the card, you shouldn’t have to worry about it. Just make sure that you make your minimum monthly payments and try to pay off your purchases as soon as your paycheck comes in. 


Albert is quite similar to The Dave App (including how the app is named) and some say that they’re just another “rip-off.”

Regardless of haters’ opinions, though, Albert is actually a very useful cash advance service! 

Applying is easy, all you need to do is enter your personal banking information and give Albert permission to scan your account and view information related to direct deposits.

As long as they can verify that you have a steady paycheck coming in, then they can get you approved for a payday advance paid directly to your Chime account. 

Whereas Dave provides borrowers with $75, Albert gives users the option to choose between $50, $75, and $100 payday advances. The platform charges a $5 fee for giving you the loan and takes the money out of your next paycheck.

If you’re late or unable to make your payment, you also won’t have to worry about Albert charging you late fees (which Dave does). As long as you work out a repayment plan, you shouldn’t have anything to worry about. 


Cleo is a fun (and sometimes sassy) app that everybody should try at least once.

Technically speaking, they’re a finance tracking app that helps you keep track of your spending and budgeting. You can create an account for just $6 per month and link your bank account or debit card to it. 

Cleo’s AI will automatically keep track of your spending and let you know whenever you’re making unnecessary purchases, wasting money, or going over your budget.

In addition to budgeting, though, Cleo also offers a service called “Cleo Cover.” Once you’re a subscribed member, you can apply to the tool and instantly receive a payday advance between $25 and $100 (your choice). 

In my opinion, the $6 membership fee is a lot cheaper than a bank overdraft fee (which is usually around $35).

For what you get, the membership is completely worth it.

I’ve used it for quite some time now and it has helped me reduce my spending on insignificant or unneeded items.

Whenever I need an extra $50 for a dinner date at the end of the month (before my rent’s due), I don’t stress it, and I just request a small $75 advance to cover the meal and an Uber. 


If you’ve had your Chime bank account for at least 90 days, your account is in good standing, and you can prove that you’ve had at least 3 consecutive direct-deposited paychecks, then you’ll be eligible to receive up to a $250 payday loan deposited directly to your Chime account. 

The main advantage of Klover compared to Cleo, Dave, or even Albert is that they’re willing to lend larger amounts of money to their applicants.

However, the one drawback of this is that their bar for acceptance is higher. 

For example, Klover will not consider your account if your direct deposits aren’t from participating employers.

If you’re receiving a paper check from your employer, cash, getting paid through Cash App, Venmo, or other peer-to-peer money transfer apps, then you will not be eligible to receive a cash advance from Klover. 

Since many people have been getting paid with these alternative payment methods post-COVID, it, unfortunately, means that not everybody can apply for Klover (hence why it’s at the bottom of my list).

However, as long as you have a solid, legitimate direct deposit, then you’ll have no problem getting a Klover advance. 

Final Thoughts

Before you go applying for third-party payday loans, I’d also like to mention that you can actually get a short-term loan from Chime Bank.

The service is called “SpotMe” and it lets all account holders overdraft their accounts by up to $100 at a time!

This is excellent news for those who are living paycheck to paycheck and are having trouble paying their bills on time. 

It’s also a lot easier than having to download a bunch of apps and deal with the approval process. However, I don’t necessarily like the idea of seeing a “negative” sign beside my Chime bank account balance, so most of the time I would rather borrow from an app like Dave or Cleo.

Whenever I need larger amounts, Fig, is my go-to payday lender.