By Editorial Team
Last Updated: Aug 03, 2025
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If you've been relying on Chime SpotMe to cover expenses when funds are tight, you might be interested in exploring other apps that offer similar or enhanced features. Chime SpotMe lets you overdraft up to $200 with no fees, helping you avoid costly overdraft charges when you need it most. While SpotMe doesn't charge any fees, you might be looking for alternatives that provide higher cash advance limits or additional financial tools. In this article, we've gathered the top apps like Chime SpotMe to help you find the best option for your financial needs.
Chime SpotMe at a Glance: Key Features & Fees
Advance amount
$20 - $200
Monthly fee
Free
Regular funding time
Instantly
Express funding time
Timeframe for express advances is unknown
Express funding fee
There is no expedite fee
Main features
Overdraft up to $200, boost limit via friends, works with debit and credit cards
Advance amount
$20 - $200
Monthly fee
Free
Regular funding time
Instantly
Express funding time
Timeframe for express advances is unknown
Express funding fee
There is no expedite fee
Main features
Overdraft up to $200, boost limit via friends, works with debit and credit cards
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Table of contents
Top apps like Chime SpotMe
The following apps are 3 category leading cash advance apps like Chime SpotMe:
1. Brigit
Best for: Highest reviews and average score
4.8
646K Reviews
Advance amount
$25 - $250
Monthly membership fee
$8.99
Regular funding time
1–3 days
Express funding time
20 minutes
Express funding fee
$0.99 - $3.99, free with Premium Subscription
Main features
Cash advances up to $250 without credit checks, overdraft prediction, credit builder program
2. EarnIn
Best for: Highest cash advance amount
4.7
600K Reviews
Advance amount
Up to $750
Monthly membership fee
Free
Regular funding time
1–3 business days
Express funding time
30 minutes
Express funding fee
$2.99–$5.99 per transfer (first transfer free)
Main features
Access earned wages before payday, overdraft protection, build savings, credit monitoring, assistance with medical bills
3. MoneyLion
Best for: Lowest monthly fees
4.7
421K Reviews
Advance amount
$10 - $1,000
Monthly membership fee
Free
Regular funding time
1–5 business days
Express funding time
Minutes
Express funding fee
$0.49 to $8.99, depending on amount and account type
Main features
Cash advances up to $500, increase limit to $1,000, no interest, no credit checks, no impact on credit score
All apps like Chime SpotMe
Here you'll find the full list of 10 apps like Chime SpotMe ranked by Advance amount, Review score, or any other parameter that's most important to you:
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4.1
20K Reviews
Advance amount
$40 - $200
Monthly membership fee
Free
Regular funding time
Instantly
Express funding time
Timeframe for express advances is unknown
Express funding fee
There is no expedite fee
Main features
Instant cash advances, Buy Now Pay Later shopping, Phone plan financing, Play-to-earn rewards, Overdraft protection
3.6
39K Reviews
Advance amount
$5 - $1,000
Monthly membership fee
$0.99
Regular funding time
3 to 5 business days
Express funding time
20 minutes
Express funding fee
$0.99 - $4
Main features
Instant cash advances up to $1,000, credit monitoring, budgeting tools, health benefits, cashback offers
4.7
542K Reviews
Advance amount
$10 - $400
Monthly membership fee
$8.00
Regular funding time
1 business day
Express funding time
2 hrs
Express funding fee
$1 - $8 for advances up to $299.99, then 3% for $300+ advances
Main features
Access $400 cash advances interest-free, build credit, earn 10% cashback, AutoSave, credit score monitoring.
By Editorial Team
Last Updated: Aug 03, 2025
Read more
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