Cash Advance Apps
What is Chime SpotMe cash advance?

What is Chime SpotMe cash advance?

By Editorial Team
Last Updated: Aug 06, 2026

Chime SpotMe is a cash advance feature that lets eligible users spend more than their account balance up to a set limit, starting at $20 and potentially increasing to $200 or more. It covers everyday debit card purchases, cash-back at registers, ATM withdrawals, and some credit card purchases without charging any fees or interest.

Repayment happens automatically when your next qualifying deposit hits your Chime Checking Account, so you don’t have to worry about manually paying it back. To qualify, you need to be at least 18, have an active Chime Checking Account and card, and receive at least one direct deposit of $200 or more within the past 34 days.

There are no fees for using SpotMe, declined transactions, or sending and receiving Boosts (which can temporarily increase your limit). However, standard ATM or third-party fees may still apply for cash withdrawals. SpotMe is designed mainly for everyday spending and cash access, not for transfers or bill payments.

Does Chime SpotMe give cash advances?

Chime SpotMe lets eligible users overdraft their account up to a limit that starts at $20 and can grow to $200 or more over time. This coverage works for everyday debit card purchases, cash-back, ATM withdrawals, and some credit card purchases without any fees or interest. You don’t have to manually repay—any negative balance is automatically paid back from your next qualifying deposit. If you go over your SpotMe limit, transactions will be declined. There are no fees to use SpotMe, and you can turn it off or adjust your limit in the app.

Table of contents

Does Chime SpotMe give cash advances?Advance amounts, fees and repayment termsChime SpotMe cash advance requirementsOther features

Advance amounts, fees and repayment terms

Advertised advance amounts
$20 - $200
Monthly fee
Free
Time to get cash
Instantly

Chime SpotMe cash advance requirements

To qualify for Chime SpotMe, you need to:

  1. Age: Be at least 18 years old
  2. Account: Have an open and active Chime Checking Account and an eligible Chime card
  3. Direct deposit: Receive at least one qualifying direct deposit of $200 or more into your Chime Checking Account within the past 34 days and continue to receive regular qualifying deposits
  4. Account history: Maintain a positive account history
  5. SpotMe eligibility: Be eligible for SpotMe as shown in the Chime app’s Settings tab

Your SpotMe limit starts at $20 and can increase up to $200 or more based on your account activity, deposit history, and membership length.

Other features

Besides the core overdraft coverage, Chime SpotMe offers a few other handy features.

SpotMe Boosts

You can send and receive Boosts, which are $5 temporary increases to your SpotMe limit. You can send up to 4 Boosts per month to friends, helping each other out when needed.

Automatic repayment

Any negative balance you run up with SpotMe is automatically repaid from your next qualifying deposit, so you don’t have to worry about manual repayments.

Flexible limits and controls

Your SpotMe limit starts at $20 and can increase up to $200 or more based on your account activity and history. You can also turn SpotMe off or lower your limit anytime in the app.

Coverage details

SpotMe covers everyday debit card purchases, cash-back at registers, ATM withdrawals, and some credit card purchases, but it doesn’t cover transfers, bill payments, or app-to-app transfers.

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