By Editorial Team
Last Updated: Apr 03, 2025
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If you've been using Chime's SpotMe to cover unexpected expenses or get a little extra cash before payday, you might be curious about other apps that offer similar perks. Chime SpotMe lets you overdraft up to $200 on debit card purchases and cash withdrawals without any overdraft fees, service charges, or interest. While there are no fees to use SpotMe, keep in mind that out-of-network ATM fees may still apply if you're making cash withdrawals. If you're looking to explore alternatives with different features, higher overdraft limits, or other financial tools, we've rounded up the top apps like Chime SpotMe to help you find the perfect fit for your financial needs.
Chime SpotMe at a Glance: Key Features & Fees
Advance amount
$20 - $200
Monthly fee
Free
Regular funding time
Timeframe for standard advances is unknown
Express funding time
Timeframe for express payments is unknown
Express funding fee
There is no expedite fee
Main features
Overdraft up to $200, automatic limit increases, covers purchases and withdrawals, SpotMe Boosts with friends
Advance amount
$20 - $200
Monthly fee
Free
Regular funding time
Timeframe for standard advances is unknown
Express funding time
Timeframe for express payments is unknown
Express funding fee
There is no expedite fee
Main features
Overdraft up to $200, automatic limit increases, covers purchases and withdrawals, SpotMe Boosts with friends
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Table of contents
Top apps like Chime SpotMe
The following apps are 3 category leading cash advance apps like Chime SpotMe:
1. Brigit
Best for: Higest reviews and average score
4.8
602K Reviews
Advance amount
$25 - $250
Monthly membership fee
$8.99
Regular funding time
1–3 business days
Express funding time
20 minutes
Express funding fee
$0.99-$3.99 per transaction (free for Premium subscribers)
Main features
Instant cash advances, automatic overdraft protection, credit building tools, expense tracking, earn extra income.
2. EarnIn
Best for: Highest cash advance amount
4.7
560K Reviews
Advance amount
Up to $750
Monthly membership fee
Free
Regular funding time
1-2 business days
Express funding time
Minutes to 30 minutes
Express funding fee
$2.99–$5.99 per transfer
Main features
Access your earned wages before payday, automatic saving feature, overdraft protection, free credit monitoring, financial planning tools.
3. MoneyLion
Best for: Lowest monthly fees
4.7
366K Reviews
Advance amount
$10 - $1,000
Monthly membership fee
Free
Regular funding time
1-5 business days
Express funding time
Minutes
Express funding fee
$0.49-$6.99 for RoarMoney, $1.99-$8.99 for External Account
Main features
Instant cash advances up to $500, credit-building loans, mobile banking, automatic investing, cash back rewards.
All apps like Chime SpotMe
Here you'll find the full list of 10 apps like Chime SpotMe ranked by Advance amount, Review score, or any other parameter that's most important to you:
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4.1
17K Reviews
Advance amount
$10 - $80
Monthly membership fee
Free
Regular funding time
2-3 business days
Express funding time
30 min
Express funding fee
There is no expedite fee
Main features
Instant cash advances up to $100, buy now pay later, earn rewards, bill management
3.7
39K Reviews
Advance amount
$5 - $1,000
Monthly membership fee
$0.99
Regular funding time
3–5 business days
Express funding time
1–20 minutes
Express funding fee
$1 to $4
Main features
Instant cash advances up to $1,000, flexible repayment, expense tracking, credit monitoring, tax filing assistance.
4.7
500K Reviews
Advance amount
$10 - $350
Monthly membership fee
$8
Regular funding time
1 business day
Express funding time
15 min – 2 hr
Express funding fee
$1 up to $8, and then 3% for advances of $300+
Main features
Instant cash advances up to $350, no interest or credit checks, line of credit building credit history, automatic savings.
By Editorial Team
Last Updated: Apr 03, 2025
Read more