Payday Loans That Accept Chime

If you use Chime and are in need of payday loans, you might be looking for loan providers that accept Chime. Well, you have come to the right place. We can guide you in understanding how to access Chime bank loans.

Get StartedWant to borrow more than $5,000? Click here!

What Is Chime?

Contrary to what you might be thinking, Chime isn’t a bank. It’s a full-featured deposit account. Chime offers banking products that are provided by The Stride Bank or The Bancorp Bank, both of which are FDIC members.

Individuals using Chime can own a spending account that comes with an optional savings account. This spending account is usually used to receive deposit paychecks. Consequently, that’s why you will find people looking for cash loans that accept Chime.

What Are the Advantages of Chime?

Besides enjoying the benefits of mobile and internet banking, Chime boasts the following advantages:

  • Low Fees - No minimum fee balance, no monthly fee, or overdraft fee.
  • Early Payment - Direct deposits made can be accessed two days before payday.
  • Large ATM Network - There are over 60,000 ATMs countrywide.
  • Payments with No Fees - Send money to others without a bank account for free.

How Can I Know Whether My Payday Loans Accept Chime?

The easiest way is by turning to Chime’s advance program called SpotMe. This is an overdraft service that charges no fees.

If you use a Chime account and receive about $500 over the past 31 days, you’re qualified to use SpotMe. To remain eligible, at least $500 should be credited into your account every 31 days.

Once you register with SpotMe, you will get a specific limit, usually $20. The limit increases depending on your deposit history. The good thing about SpotMe is that it doesn’t limit you from transacting as much as you want. If you overdraft your account, the amount will be debited from your next deposit at no cost.

Some Topmost Payday Loans That Accept Chime

Here’s a look at some of the best Chime bank payday loans:

The Dave App

The Dave App comes highly recommended as an ideal platform to secure a payday loan. One exciting aspect of this app is that they don’t charge you any interest. Other advantages of the Dave App include its free budgeting tools, low withdrawal limit, and minimum membership fees.

Honest Loans

The name is self-explanatory. Honest Loans has partnered with some of the top and honest loan providers to offer clients reliable loaning services that work with Chime.

Fig Loans

Fig loans are also popular because they offer loans that accept Chime. Additionally, they provide loans for those with bad credit loans by conducting soft credit checks.


Albert works like The Dave App. Albert’s loan approval process is fast and simple. They also strive to ensure that clients' personal details are kept safe.


Klover offers Chime bank payday loans as well. To use this feature, customers need to ensure their Chime account is in good condition for at least 90 days.

Money Lion

Money Lion is also a trustworthy Chime bank loan provider. They also provide a credit-building solution. This can be used as a short-term payday loan that accepts Chime.

default img

Loan Offer That Goes in Your Favor

Apply Now

Can USBadCreditLoans Help Me Find Loans That Accept Chime Online?

Doing search on your own might take a lot of time. Luckily, a trusted broker like USBadCreditLoans can simplify the loaning process for you. We can link you up with a large pool of direct lenders, which improves your likelihood of finding lenders that accept Chime. The best part is that you will have the option to compare offers from these lenders and pick out the best.

Why US Bad Credit Loans?
Will bad credit be accepted?YesIdeal for bad credit
What is the max loan amount?$35000Zero hidden charges
What is the max loan term?36 monthsFlexible repayment options
Can I repay the loans in installments?YesConvenient repayments
Are there credit checks?YesSoft search only
How can I apply?Apply onlineInstant application

What Are My Alternatives to Payday Loans?

When running on a tight budget, the following are payday loan alternatives that might help you.

Payday Alternative Loans (PALs)

Just as the name suggests, payday alternative loans can be used in replacement of payday loans. Often, credit unions can offer you PALs. You can take up to $1,000, which can be paid between 1-6 months. You can use PALs as long as you’ve been a member of the credit union for about one month.

Develop a Payment Plan

If you find it hard to cover your required payments, you can develop a payment plan with the company you borrowed money from. It’s better to be on good terms with the company than to miss your agreed payments.

Seek Financial Support from Friends and Family

It might be a great time to ask for financial assistance from your friends and family. Sure, this might not be an option for everyone, but they can help you overcome some of the challenges at hand. It’s worth considering if you’re at a dead end.

Save Money

Saving money does take a lot of time. But the earlier you start saving, the better. saving money gives you some form of security. If you have some savings lying around, this might be a good time to dip into the savings account and help yourself.

Take a Personal Loan

Getting a personal loan is also an option if you have good credit. You can turn to banks or credit unions and get a loan. Some lenders might think of giving you favorable rates compared to payday lenders.

Get a Side Hustle

If you’re earning money on the side, you can always use your accounts to get some cash and meet any pressing needs you have. A side hustle can be anything that gives you an extra income. You can even use the money gained here to pay off your debts. For instance, you can work as a part-time writer, graphic designer, babysit, drive an Uber, etc. All these are some of the ways people make an extra coin.

Credit Card

While credit card debt isn’t desirable because of its high-interest rates, you might end up paying less than what payday lenders would require from you. Using your credit card can come in handy in emergencies.

Sell Your Stuff

You can also think about getting rid of some of the things you don’t use or don’t need. This is the perfect way to get some quick cash. Use the internet to your advantage and advertise the goods you intend to sell.

A Line of Credit (LOC)

Finally, you can use a line of credit to borrow money from lending institutions. If your credit is limited, you can borrow money using a line of credit. The advantage gained here is that no interest is charged on the money taken.

default img
default img
default img

Looking for Payday Loans That Accept Chime, USBadCreditLoans Can Help!

USBadCreditLoans has done the research for you, and we will help you get connected with payday loans that accept Chime. Get started with us today and start receiving your quotes.

Get Started Now