Cash advance apps

Chime — MyPay review

Earned wage advance with no required fee — and no interest.

Amount

Up to $500

Term

Repaid on next payday

Cost

No mandatory fee, no interest

Funding

Within 24h; instant for a fee

Source: Chime — MyPay public terms, as of April 2026. Subject to change.

What it is

MyPay is Chime’s cash-advance product, available to active Chime spending account customers with qualifying direct deposit. You can pull up to $500 against your next paycheck. The advance itself carries no mandatory fee and no APR.

Standard delivery is free within ~24 hours. An instant-delivery option exists for a small flat fee. The product is tightly integrated with the Chime app and depends on Chime checking-account history.

Pros

No mandatory fee or interest
Eligibility based on direct deposit history, not credit score
No hard credit pull
Tightly integrated with Chime checking

Cons

Requires an active Chime account with direct deposit
Cap of $500 limits emergency use
Instant delivery costs a flat fee

Best for

Existing Chime customers with steady direct deposits who need a small advance before payday.

Bottom line

Among the cheapest cash-advance options on this list if you already use Chime. Apply directly if you qualify; otherwise look at the no-membership alternatives.

External link

Chime MyPay official site

Continue to Chime MyPay

This link goes to Chime MyPay’s own website. Cash Rvyn LLC may receive compensation if you choose to sign up with them; this doesn’t change what you pay or how this review is written.