How does Chime SpotMe cash advance work?

Get started with Chime SpotMe by following these steps:

1. Sign Up: Open a Chime Checking Account if you don't have one.
2. Activate Card: Activate your Chime Visa Debit Card or Credit Builder Visa Credit Card.
3. Direct Deposit: Set up and receive at least one direct deposit of $200 or more.
4. Check Eligibility: In the Chime app, go to Settings to see if you're eligible for SpotMe.
5. Enroll: Agree to the SpotMe Terms and Conditions to sign up.
6. Know Your Limit: Confirm your SpotMe limit, starting at $20 and potentially increasing up to $200.
7. Use SpotMe: Use your Chime card; if a transaction exceeds your balance but is within your SpotMe limit, Chime covers it with no fees.

You can access your cash advance instantly with Chime SpotMe, and there are no fees involved. There's no need to wait or pay extra for expedited transfers—the funds are available immediately without any charges.

Out of hundreds of reviews published in June and July 2025 that we analyzed, we found 30+ recent comments mentioning funding speed. Here's what users say about it:

• Early pay and SpotMe help: Over 30 users love getting their paychecks early—often 1–2 days ahead—and praise the SpotMe feature for helping out when funds are low or before payday.
• SpotMe issues for some: A few users report problems with accessing SpotMe when they need it most or experiencing delays in receiving their paycheck, leading to frustration.

Overall, users are overwhelmingly pleased with Chime's funding speed and the convenience of SpotMe, though a small number have encountered issues accessing these features when needed.