Firstcard
Chime app icon

Chime MyPay

A limit that grows each paydayFacts verified September 11, 2026

Chime MyPay lets Chime Checking members borrow part of their paycheck before payday. There is no interest, no credit check, and no monthly fee. You can wait 24 hours for a free transfer, or pay a small instant fee capped at $5.

$500

Max advance

$0/mo

Subscription

None

Credit check

$2–$5

Instant fee

The details

Max advance
$500
Limit resets
Per pay period
Mandatory fees
None
Premium plan (optional)
None
Interest
None
Late fee
None
Credit check
None
Direct deposit required?
Yes
Bank-link required
No
Instant transfer
Instant
Instant transfer fee
3% of advance amount
Free transfer
Within 24 hours
Tips
None
Eligibility
Requires an active Chime Checking Account in good standing, an activated Chime Visa Debit Card, and age 18 or over. Needs two qualifying direct deposits of $200 or more in the last 36 days, or one $200 deposit plus employer or benefits verification. Not available in CO, CT, IL, ME, MA, MN, MT, NJ, NM, SD, WA or WY. New members typically start with a $40 to $100 limit that grows with deposit history; some members may qualify for more. Chime can raise or lower the limit at any time. A separate version exists for members who deposit paychecks to a non-Chime bank, verified via Plaid: $260 maximum per pay period, instant fee $2 for a $20 advance or $4 for $40 and above in $20 increments.

What it really costs

Cheapest path: 0% APR equivalent

Borrow $250, choose free delivery (within 24 hours), repay on your next payday. Chime MyPay charges no interest and no required fees, so waiting costs you nothing.

Most expensive path: ≈52% APR equivalent

Borrow $250 with instant delivery for a fee of up to $5, repaid in 14 days. That works out to an annualized cost of roughly 52%, payday-loan territory for saving a couple of days. Chime MyPay does not publish a fee for every advance amount, so treat this as the top of the range.

APR equivalents are Firstcard's illustrative math: fee ÷ advance × 365 ÷ 14 days until repayment, not a rate Chime MyPay charges. Optional tips are excluded.

Pros & cons

Pros

  • Your limit grows a little more every time you get paid.
  • No monthly fee, ever, even for the full $500.
  • Skip instant transfer and wait 24 hours for free.

Cons

  • Need it now? That's 3% of your advance, $2 to $5.
  • Not available in 12 states, including Illinois and Washington.
  • New members start small, often just $40 to $100.

Compare Chime MyPay to other cash advance apps

AppEditors' ratingMember ratingMax advanceInstant feeFirstcard clicks (12 mo)
Chime app icon
Chime MyPay
—5.0 (1 review)$500$2–⁠$5—
Current Paycheck Advance logo
Current Paycheck Advance
4.7 5.0 (1 review)$750Not published30,792Get Cash Advance
Klover logo
Klover
4.6 4.5 (3 reviews)$750$3.99–⁠$37.4911,166Get Cash Advance
Grant logo
Grant
4.5 4.5 (2 reviews)$500$2–⁠$253,476Get Cash Advance

Similar apps are picked automatically: same category, ranked by Firstcard editors' rating. Clicks are Firstcard members sent to each app in the last 12 months, with suspected bot traffic excluded.

A warning from Firstcard

  • Borrow with a plan. Take an advance only for a specific, necessary expense, and know exactly which paycheck repays it before you tap the button.
  • Don't stack apps. Using more than two cash advance apps at once is how the debt spiral starts. We don't recommend it, ever.
  • Avoid instant fees. Express delivery is extremely expensive for the days it saves, see the APR math above. If a free delivery option exists, use it.

Relying on an advance every paycheck? Learn how these apps really work →

Firstcard member reviews

What real members say about Chime MyPay

Real reviews from verified Firstcard members who use these apps with their own money. Interview quotes are edited from spoken to written language for clarity, never for meaning. First name, age, and state only.

5.0

1 verified member interview

First advance

Not shared

0 of 1 members shared theirs

Max advance reached

$500

Chime MyPay advertises $500

Speed of money delivery
5.01 rated
Cost and fees
3.51 rated
Customer support
—0 of 1 rated

Chris G.

21 · Texas · Current user · interviewed Sep 3, 2026

✓ Verified member

“Instant, instant. Just don't be late”

First advance

Not shared

Max advance

$500

“As a click of a button, it was already in the account. My limit went up to $500 because they saw a steady stream of income.”

These ratings and opinions are Chris’s own. Firstcard paid Chris for the interview, and no partner saw or edited it. The figures come from what was said in the interview rather than from the provider, so they may differ from today’s terms or from the offer you are given. Firstcard verifies each product’s fees and limits separately, in the details section above.

How Firstcard works

Firstcard exists to make finance simple and accessible, so anyone can choose the right financial product with confidence. That means showing every fee and every catch upfront, and holding ourselves to the same standard. Here is how Firstcard works, and how we make money.

How we rate. Our editors' rating for a cash advance app weighs what it truly costs to use (the instant fee plus any required subscription, not the advertised “no interest”), how much you can actually get, how fast the free option delivers, what you need to qualify, and how repayment works. Ratings run 1 to 5 in tenths and compare products only within their own category, so a 4.5-star cash advance app is not “better” than a 4.0-star credit builder: they do different jobs. Treat the rating as one input, not the decision. See how we rate financial products.

How we make money. Firstcard may earn a commission when you click a link on this page, get approved, or open an account. That is what keeps our comparisons free to use. See how we make money and our current partners.

Ratings versus placement. Star ratings, member reviews, and our cost math are never influenced by money, and no partner sees a review before it publishes. Where a product appears is a separate question: featured spots and default ordering can reflect partner compensation and what members click and choose. That is why the rating and the real numbers travel with every product, wherever it sits. See our Advertiser Disclosure and Editorial Guidelines.

Terms change, so check before you apply. These terms come from the providers, not from us, so we cannot guarantee they are current or complete, and anything a member reports describes their own account rather than the offer you will be given. Always confirm the fees and terms on the provider's own site before you apply. If you spot something wrong here, email support@firstcard.app and we will fix it.