By Editorial Team
Last Updated: Jun 13, 2025
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If you've been relying on Chime SpotMe to cover expenses before your next paycheck, you might be interested in exploring other apps that offer similar services. Chime SpotMe lets you overdraft up to $200 without any overdraft fees, and even gives you the option to tip voluntarily after you've repaid your negative balance. While it's a convenient option, there are plenty of other apps out there that might offer higher advance limits, different features, or unique tools to help manage your finances. In this article, we've gathered the top apps like Chime SpotMe to help you find the best match for your needs.
Chime SpotMe at a Glance: Key Features & Fees
Advance amount
$20 - $200
Monthly fee
Free
Regular funding time
Immediate
Express funding time
N/A
Express funding fee
There is no expedite fee
Main features
Overdraft up to $200, limits grow with account activity, covers purchases and withdrawals, boost limit with friends
Advance amount
$20 - $200
Monthly fee
Free
Regular funding time
Immediate
Express funding time
N/A
Express funding fee
There is no expedite fee
Main features
Overdraft up to $200, limits grow with account activity, covers purchases and withdrawals, boost limit with friends
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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: Higest reviews and average score
4.8
629K Reviews
Advance amount
$25 - $250
Monthly membership fee
$8.99
Regular funding time
1–3 business days
Express funding time
20 minutes
Express funding fee
$0.99–$3.99, no fee with Premium
Main features
Instant cash advances up to $250, overdraft protection, credit building, budgeting tools, earn extra cash.
2. EarnIn
Best for: Highest cash advance amount
4.7
580K Reviews
Advance amount
Up to $750
Monthly membership fee
Free
Regular funding time
1–2 business days
Express funding time
1–30 minutes
Express funding fee
$2.99–$5.99 per transfer; $2.99 or $3.99 for transfers ≤$100; $5.99 for transfers >$100
Main features
Access earned wages before payday, receive paychecks sooner, overdraft protection, automatic savings, credit score monitoring.
3. MoneyLion
Best for: Lowest monthly fees
4.7
428K Reviews
Advance amount
$10 - $1,000
Monthly membership fee
Free
Regular funding time
1-2 business days to RoarMoney account, 2-5 business days to external checking account
Express funding time
Minutes
Express funding fee
$0.49–$8.99, depends on amount and account type
Main features
Instant cash advances up to $500, credit builder loans up to $1,000, access paychecks early, invest spare change, earn cashback.
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
19K Reviews
Advance amount
$10 - $100
Monthly membership fee
Free
Regular funding time
Instantly
Express funding time
Instant
Express funding fee
$0 for advances up to $100 after BNPL purchase
Main features
Instant cash advances, Shop now pay later, Mobile plans without upfront costs, Overdraft protection, Earn rewards.
3.6
39K Reviews
Advance amount
$5 - $1,000
Monthly membership fee
$0.99
Regular funding time
3–5 business days
Express funding time
1–20 minutes
Express funding fee
$0-$4 per transfer, depending on method chosen
Main features
Instant cash advances up to $1,000, budgeting tools, credit score monitoring, personal loans, high-yield savings.
4.7
527K Reviews
Advance amount
$10 - $400
Monthly membership fee
$8.00
Regular funding time
1 business day
Express funding time
15 min to 2 hrs
Express funding fee
$1 up to $8 for advances up to $299.99, then 3% for advances of $300+
Main features
Cash advances up to $400, line of credit up to $1,000, credit building, early paycheck access, earn cashback.
By Editorial Team
Last Updated: Jun 13, 2025
Read more