By Editorial Team
Last Updated: Aug 06, 2026
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Chime SpotMe lets you overdraft your account up to $200 without any fees or interest, so you can cover small expenses before your next paycheck. There are no charges for using SpotMe or for declined transactions if you go over your balance or limit. While sending or receiving Boosts is free, out-of-network ATM fees may still apply. You can choose to tip after repaying a negative balance, but it’s completely optional and doesn’t affect your eligibility.
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
Cash advance, debit card overdraft coverage, ATM cash withdrawals, automatic repayment, spending limit up to $200
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
Cash advance, debit card overdraft coverage, ATM cash withdrawals, automatic repayment, spending limit up to $200
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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
912K Reviews
Advance amount
$25 - $500
Monthly membership fee
$8.99/month
Regular funding time
1–3 days
Express funding time
1–20 minutes
Express funding fee
$0.99 to $5.99
Main features
Cash advances, credit building, low-balance alerts, budgeting tools, bill tracking
2. Klover
Best for: Highest cash advance amount
4.7
520K Reviews
Advance amount
$25 - $750
Monthly membership fee
$4.99
Regular funding time
1–3 business days
Express funding time
Within minutes
Express funding fee
$1.49–$19.99
Main features
Cash advances, early wage access, credit score tracking, budgeting tools
3. EarnIn
Best for: Lowest monthly fees
4.8
741K Reviews
Advance amount
Up to $1,000
Monthly membership fee
Free
Regular funding time
1–2 business days
Express funding time
within 30 minutes
Express funding fee
$3.99
Main features
Cash advances, early paycheck access, balance protection, earnings tracking, savings tools
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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4.4
38K Reviews
Advance amount
$40 - $200
Monthly membership fee
Free
Regular funding time
1–3 business days
Express funding time
1–3 business days
Express funding fee
$0
Main features
Cash advances, credit building, bill pay, budgeting tools, savings goals
4.0
48K Reviews
Advance amount
$1,000 - $1,000
Monthly membership fee
$1.99
Regular funding time
1–3 business days
Express funding time
Immediately
Express funding fee
$0.99-$4
Main features
Cash advances, personal loans, credit building, cashback rewards, budgeting tools
4.7
695K Reviews
Advance amount
$10 - $500
Monthly membership fee
$8.00
Regular funding time
1–2 business days
Express funding time
Under 3 minutes
Express funding fee
$1-$8
Main features
Cash advances, automatic payday repayment, cash management account, direct deposit, savings tools
By Editorial Team
Last Updated: Aug 06, 2026
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