Apps That Work with Chime: Best Cash Advance and Banking Apps in 2025

Looking for apps that work with chime to make your banking vibe smoother? You’re in the right spot! Pairing it with compatible apps can level up your financial game. But what apps are out there? This guide unpacks the best cash advance and banking apps that play nice with Chime, how to connect them, benefits, tips for 2025, and real-world stories to inspire you. Whether you need a quick cash boost, budgeting help, or borrowing options, we’ve got you covered.

What Are Apps That Work with Chime?

Apps that work with chime are third-party tools that link seamlessly with your Chime Checking Account or Chime Visa Debit Card. These apps use Plaid or direct integrations to connect, letting you borrow cash, budget, or advance paychecks. From cash advance apps like EarnIn to budgeting tools like Monarch Money, they help you manage money without fees or hassle. Imagine needing $200 before payday—apps that work with chime can make that happen without a credit check. The key? Check compatibility in the app’s bank list—most popular ones support Chime.

Why Use Apps That Work with Chime?

Before diving into the types, let’s explore why apps that work with chime are a game-changer. Chime’s core features—free checking, no overdraft fees, and early pay—are awesome, but these apps add flexibility. Need cash fast? A cash advance app can bridge the gap. Want to save more? Budgeting apps track every penny. Plus, with Chime’s growing user base, these integrations are becoming essential. They’re designed for people like you—busy, on-the-go, and wanting control over finances. This guide will walk you through options, setup, and tips to maximize these tools in 2025.

Types of Apps That Work with Chime

Apps that work with chime fall into categories like cash advance, budgeting, and borrowing. Here’s a detailed breakdown to help you choose:

Cash Advance Apps

Cash advance apps that work with chime let you access pay early, often before your employer sends it. Here’s a closer look at the top options:

• EarnIn: Borrow up to $750 with no interest; works with Chime via Plaid. Users love the instant transfer option—perfect for emergencies. Setup takes minutes with direct deposit verification.
• Dave: Up to $500 advances; compatible with Chime for budgeting. The $1/month fee is a steal for extra tools like spending alerts. Many use it for small, quick needs.
• Brigit: $250 advances; Chime users rave about its credit-building feature. The $9.99/month subscription includes overdraft protection—worth it if you overdraw often.
• MoneyLion: Up to $500; Chime-friendly with Instacash. The $19.99/month plan adds a credit builder loan, ideal for long-term goals.
• Cleo: $250 advances with AI budgeting; works with Chime. The free basic version is great, but $5.99/month unlocks premium insights.
• Empower: $250 advances; seamless Chime link. The $8/month subscription includes auto-save, helping you grow savings alongside advances.
• Albert: Up to $250; Chime compatible with Genius AI. The $4.99/month fee offers personalized advice—perfect for beginners.
• Varo: Up to $250; Chime-like neobank, easy integration. No fees for qualifying users with direct deposit, making it a favorite.
• Klover: $250 advances; Chime users praise its ad-based free model. Watch a few ads, and you’re set—no subscription needed.
• FloatMe: $50 advances; works with Chime. The $3.99/month fee is low, but the small limit suits minor cash crunches.

These apps use Plaid for secure links, avoiding fees if repaid on time. For more on Chime’s debit perks, see our Chime Bank Card Comparison.

Budgeting Apps

Budgeting apps that work with chime help track spending and save. Here’s the rundown:

• Monarch Money: Syncs with Chime for goal tracking; $99/year. Users love its family budgeting feature—great for shared finances.
• YNAB (You Need a Budget): Chime-compatible; teaches zero-based budgeting. The $14.99/month plan includes coaching, ideal for mastering money.
• Mint: Free Intuit app; links Chime for expense tracking. Its simplicity appeals to newbies, though it lacks advanced tools.

These apps make money management a breeze, syncing with Chime’s real-time data.

Borrowing Apps

Borrowing apps that work with chime offer loans for bigger needs:

• Beem: Up to $1,000; Chime-friendly. The $2.99/month fee is low for higher limits, perfect for emergencies.
• Branch: Up to $500; works with Chime. Employer integration speeds up advances—great for gig workers.
• Super: Up to $250; Chime compatible. The free advance option stands out for cost-conscious users.

How to Connect Apps That Work with Chime

Linking apps that work with chime is straightforward. Here’s the step-by-step process:

1. Download the App: Grab EarnIn or Dave from your app store on your phone or tablet.
2. Sign Up: Create an account using your email and phone number for verification—takes about five minutes.
3. Link Chime: Open the app, select Chime from the bank list, and log in via Plaid. You’ll need your Chime login credentials.
4. Verify Deposits: Confirm at least $200 in monthly direct deposits to unlock full features. This step ensures eligibility.
5. Start Using: Once linked, borrow cash or track spending—funds often hit your Chime account within hours.

Troubleshooting Tips

Sometimes, apps that work with chime hit snags. Here’s how to fix common issues:

• Plaid Connection Fails: If Plaid doesn’t link, try relinking your Chime account or updating the Chime app to the latest version.
• Eligibility Problems: Double-check your direct deposit history in the Chime app. Add a pay stub if needed during setup.
• Deposit Delays: Standard advances may take 1–3 days. Opt for instant delivery if available, though small fees might apply.

Pro tip: Keep your Chime app updated to avoid connectivity hiccups.

Benefits of Apps That Work with Chime

Pairing apps that work with chime offers serious perks. Here’s why they’re worth it:

• No Fees: Apps like EarnIn and Dave skip interest if you repay on time, saving you money compared to payday loans.
• Fast Cash: Advances can hit your Chime account in minutes with instant options—ideal for unexpected bills.
• Credit Building: Albert and MoneyLion provide tools to boost your credit score, using Chime transactions as a base.
• Budget Help: Monarch Money and Mint give you a clear view of Chime spending, helping you save more each month.
• Flexibility: Borrowing apps like Beem offer higher limits for bigger needs, all linked to Chime.

These benefits make apps that work with chime a perfect match for Chime’s fee-free philosophy. Check our Chime SpotMe Guide for more on overdraft perks.

Real-Life Stories with Apps That Work with Chime

Let’s hear from users who’ve tried apps that work with chime:

• Sarah’s Story: “I used EarnIn with Chime to cover a $300 car repair. The no-interest option saved me from a loan shark!”
• Mike’s Take: “Dave’s $200 advance got me through a slow week. Chime’s instant deposit made it painless.”
• Lena’s Tip: “Monarch Money with Chime helped me save $500 this year. The goal-setting is clutch!”

These stories show how apps that work with chime solve real problems, from emergencies to savings goals.

Top Apps That Work with Chime in 2025

Here’s a detailed table of apps that work with chime, updated for 2025:

These apps are Chime-compatible via Plaid, offering a range of options. For more comparisons, see our Chime Bank Card Comparison.

Tips to Maximize Apps That Work with Chime

To get the most out of apps that work with chime, try these tips:

• Set Up Direct Deposit: Ensure $200+ monthly deposits to unlock higher advances and features.
• Compare Fees: Pick apps like EarnIn (free) over Brigit ($9.99/month) if cost matters.
• Use Budget Tools: Pair Cleo or Monarch Money with Chime to track spending and save.
• Repay on Time: Avoid fees by repaying advances by the due date—set reminders.
• Explore Limits: Test small advances (e.g., $50 with FloatMe) before going big.

These tips can turn apps that work with chime into a financial superpower.

Common Pitfalls to Avoid with Apps That Work with Chime

Even with great apps, pitfalls can trip you up. Watch out for:

• Over-Borrowing: Taking $500 from Dave monthly can strain your budget—stick to needs, not wants.
• Hidden Fees: Some apps charge for instant transfers (e.g., $3–$5)—read the fine print.
• Plaid Issues: Outdated Chime apps can block links—update regularly.
• Eligibility Gaps: Missing deposits can limit advances—keep your pay consistent.

Avoiding these keeps apps that work with chime working for you.

Future Trends for Apps That Work with Chime in 2025

Looking ahead, apps that work with chime are evolving. Expect:

• Higher Limits: Apps like Beem may raise caps to $1,500 as demand grows.
• AI Enhancements: Cleo and Albert could offer smarter budgeting with Chime data.
• Fee-Free Growth: More apps may ditch subscriptions, competing with Chime’s model.
• Integration Depth: Tighter Chime links could speed up advances to seconds.

These trends make 2025 a big year for apps that work with chime.

FAQs: Apps That Work with Chime

What are apps that work with chime?

Cash advance and budgeting apps like EarnIn and Dave that link to your Chime account.

How do cash advance apps that work with chime help?

They offer early pay access with no fees if repaid on time.

Are there budgeting apps that work with chime?

Yes, Monarch Money and Mint sync with Chime for tracking.

Do borrowing apps that work with chime have fees?

Many like Varo are fee-free, but some (e.g., Beem) charge $2.99/month.

How fast are advances with apps that work with chime?

Most are instant or within 1–3 days, depending on the app.

Start Using Apps That Work with Chime Today

Apps that work with chime like EarnIn and Dave are your shortcut to cash advances and budgeting. Sign up at chime.com for SpotMe and pair it with these apps. Got a fave? Share in the comments! Explore our Chime SpotMe Guide for more.

Not Affiliated with Chime: bankingwithchime.com is an affiliate site, not endorsed by Chime. Verify details at chime.com.