Cash Advance Apps
How much does Chime SpotMe let you borrow?

How much does Chime SpotMe let you borrow?

By Editorial Team
Last Updated: Jun 13, 2025

Chime SpotMe lets you overdraw your account by up to $200 without any fees or interest charges. Your starting limit begins at $20 and can increase to $200 or more based on factors like your account history, how often you receive direct deposits, and your spending habits with your Chime card.

To qualify for SpotMe, you need to receive a qualifying direct deposit of $200 or more into your Chime Checking Account at least once every 34 days. The more consistent your direct deposits and positive account activity, the higher your SpotMe limit can grow over time.

Table of contents

Does Chime SpotMe actually send you $200?How to get a bigger cash advance on Chime SpotMe?

Does Chime SpotMe actually send you $200?

Based on numerous user reviews we've analyzed, it seems that getting the full $200 maximum from Chime SpotMe isn't common for most users. Our insights come from reviews posted in April and May 2025, reflecting the latest experiences with Chime SpotMe. The general consensus is:

  • SpotMe Limits Are Low: many users report SpotMe limits stuck at $20, $25, or $45, even after consistent direct deposits.
  • Increasing Limits Is Tough: folks express frustration over not being able to raise their SpotMe limit despite regular usage and repayments.

While some users mention additional lending options like loans up to $500, these appear to be separate from the SpotMe feature. So if you're hoping for Chime SpotMe to hook you up with $200, you might need to manage those expectations—at least for a while.

App reviews talking about Loan Amounts:
"...can't wait until they raise the spot me base to 500..."
"It’s clutch being able to borrow money from my next check and an extra 45$ from spot me..."
"...spot me is awsome as well, everything you need right Infront of you..."

How to get a bigger cash advance on Chime SpotMe?

Looking to get a bigger cash advance on Chime SpotMe? Many users recommend maintaining consistent direct deposits into your Chime account, as this may help increase your SpotMe limit over time. Regular account usage and responsible handling of your finances could also contribute to a potential increase.

However, some users have noted that their SpotMe limit remained the same despite active use and frequent deposits. The criteria for limit increases seem unclear, and not everyone experiences a boost even after meeting typical requirements. If you're not seeing an increase, reaching out to Chime's customer support might provide some insights, though responses can vary.

In the meantime, continue using your account regularly and ensure your deposits are steady. While there's no guaranteed way to raise your SpotMe limit, staying active with your Chime account is a step in the right direction.