By Editorial Team
Last Updated: Nov 13, 2025
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Chime SpotMe lets you go up to $200 past your balance on eligible debit purchases or cash withdrawals, covering the difference with zero overdraft or interest fees. Enrollment costs nothing, repayment happens automatically when your next deposit arrives (also free), and tipping after you repay is totally optional. The only charge to watch for is a $2.50 fee on out-of-network ATM withdrawals (retailers may add their own fee for over-the-counter cash).
Chime SpotMe at a Glance: Key Features & Fees
Advance amount
$20 - $200
Monthly fee
Free
Regular funding time
Instant
Express funding time
Timeframe for express advances is unknown
Express funding fee
There is no expedite fee
Main features
Overdraft advance up to $200, adaptive limit, works on debit/credit cards, covers purchases and ATM
Advance amount
$20 - $200
Monthly fee
Free
Regular funding time
Instant
Express funding time
Timeframe for express advances is unknown
Express funding fee
There is no expedite fee
Main features
Overdraft advance up to $200, adaptive limit, works on debit/credit cards, covers purchases and ATM
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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
725K Reviews
Advance amount
$25 - $250
Monthly membership fee
$8.99
Regular funding time
Up to 3 business days
Express funding time
20 min
Express funding fee
$0.99–$3.99; free for Premium users
Main features
Interest-free cash advances, automatic overdraft protection, predictive balance alerts, budgeting insights, credit-builder loan
2. Beem
Best for: Highest cash advance amount
3.5
40K Reviews
Advance amount
$5 - $1000
Monthly membership fee
$2.47
Regular funding time
3 to 5 business days
Express funding time
20 minutes
Express funding fee
$0.99 - $4
Main features
Instant $1,000 advances, 5% savings wallet, Credit-builder card, AI budgeting, Up to 10% cash-back
3. EarnIn
Best for: Lowest monthly fees
4.7
641K Reviews
Advance amount
Up to $750
Monthly membership fee
Free
Regular funding time
1–2 business days
Express funding time
Up to 30 min
Express funding fee
$2.99–$5.99 per transfer
Main features
On-demand wage advances, early paycheck deposit, real-time shift pay, automatic low-balance advance, goal-based savings
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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4.2
26K Reviews
Advance amount
$40 - $200
Monthly membership fee
Free
Regular funding time
Minutes
Express funding time
Minutes
Express funding fee
$0
Main features
Cash advances to $200, Buy now pay later shopping, Mobile plan financing, In-app bill management
4.7
606K Reviews
Advance amount
$10 - $400
Monthly membership fee
$8.00
Regular funding time
Timeframe for standard advances is unknown
Express funding time
Timeframe for express advances is unknown
Express funding fee
There is no expedite fee
Main features
Cash advances, credit-builder line of credit, revolving credit, automatic savings, credit score monitoring
4.6
411K Reviews
Advance amount
$25 - $1,000
Monthly membership fee
Free
Regular funding time
2–3 business days
Express funding time
Within minutes
Express funding fee
$5.99–$14.99 to external account; free to Albert Cash account
Main features
Instant cash advances, early payday checking, automated savings, $1 investing, all-in-one budgeting
By Editorial Team
Last Updated: Nov 13, 2025
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