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

How much does Chime SpotMe let you borrow?

By Editorial Team
Last Updated: Nov 13, 2025

SpotMe starts small—usually no more than $20—but it can grow to $200 or so once Chime sees regular activity in your account. The limit is recalculated automatically and depends on things like the size and frequency of your direct deposits, how long you’ve banked with Chime, and your recent spending patterns. Keep at least $200 in qualifying direct deposits landing in your Chime Checking Account each month, keep your card active, and the app will show (and update) your personal SpotMe limit right on the home screen.

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?

  • Some users hit $200: a few reviewers say Chime “spots me $100 but it goes up to $200” or that they can “borrow up to 200,” so the headline limit is real for at least part of the user base.
  • Not automatic: you only start getting SpotMe after direct deposits land in your Chime account—one reviewer notes it kicked in “once you do a direct deposit.”
  • Typical limits lower: other posts mention limits of $80 or $100, showing many people don’t see the full $200 right away.
  • Growth can stall: one user complains their “spot me no longer gains,” and another is hoping for higher limits “like others up to $500,” so increases aren’t guaranteed.
App reviews talking about Loan Amounts:
"...spot me feature is amazing and has helped me during struggles..."
"...I was able to secure an installment loan through Chime, which has positively impacted my credit score..."
"...spot me with no overdraft fees up to 250 and I get 500 advanced for 2 bucks or free if you wait 24 hrs plus a 400 dollar loan..."

How to get a bigger cash advance on Chime SpotMe?

Regular, steady direct deposits are the biggest driver. Reviews say once $200-$500 or more lands in the account each month, the basic $5-$40 coverage can climb toward $100-$200, and one user was even approved for $360.

Keep the account healthy. People who repay SpotMe quickly and avoid missed paychecks report gradual bumps, while skipped deposits or lingering negatives caused the limit to drop or disappear.

Swap SpotMe Boosts with friends for a quick top-up. Users traded up to four $5 boosts (an extra $20) every month, giving them a larger buffer right when they need it.

Need a cash advance?