Cash Advance Apps

How much does Chime SpotMe let you borrow?

How much does Chime SpotMe let you borrow?

By Editorial Team
Last Updated: Apr 03, 2025

Chime SpotMe lets you overdraft up to $200 without any fees on debit card purchases and cash withdrawals. When you first join, your limit starts at $20, but it can increase over time based on your account activity.

Your SpotMe limit is determined by factors like your account history, how often and how much you receive in direct deposits, and your spending habits. Chime will notify you when you're eligible for a higher limit.

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 the user reviews we analyzed, it seems unlikely for the average customer to get the $200 maximum SpotMe amount advertised by Chime. Our data is drawn from reviews published in March 2025, providing the latest insights into Chime's current practices. The overwhelming consensus is that:

  • Hard to reach $200: Most users don't get anywhere near a $200 SpotMe limit.
  • Low SpotMe limits: At least 6 of these reviews mention their SpotMe limit is only $20 and hasn't increased over time, even after months or years of loyal use.
  • Frustration with increases: Users are frustrated that their SpotMe limit doesn't go up despite regular deposits and timely repayments.

Despite a few positive remarks about Chime's SpotMe feature being handy for small expenses, the main refrain across these reviews is disappointment at being stuck with low SpotMe limits. If you're hoping for a $200 SpotMe advance from Chime, you might need to adjust your expectations—as many users report qualifying for much lower amounts, like $20.

App reviews talking about Loan Amounts:
"...spot me limit decreased and how referring a friend was only $500 one time..."
"...Spot me is only $20. Never gone up..."
"...Spot me limit is so little it's worthless and if you ask for an increase for an emergency you get a hard NO..."

How to get a bigger cash advance on Chime SpotMe?

If you're looking to get a bigger cash advance on Chime SpotMe, there are a few strategies you can try. One key factor is setting up regular direct deposits of at least $200 into your Chime account, as many users report this helps increase their SpotMe limit over time.

Using your Chime account frequently for everyday transactions might also signal to Chime that you're an active user, which could lead to a higher limit. Additionally, paying back any SpotMe advances promptly can demonstrate responsible account management.

Some users suggest engaging with the Chime community by sending and receiving "SpotMe Boosts" from friends, which can temporarily increase your limit. While boosts aren't permanent, they can provide extra funds when you need them most.