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^ To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.
1 Information from DebtHammer’s “Survey: 33% of Americans Now Use Cash Advance Apps; Many are Struggling to Repay” as of July 15, 2025: https://debthammer.org/cash-advance-apps-survey/
2 Information from EarnIn as of July 15, 2025: https://www.earnin.com/products/cashout
3 Information from EarnIn’s Terms of Service as of July 15, 2025: https://www.earnin.com/privacyandterms/terms-of-service/fees
4 Information from Dave as of April 3, 2025: https://dave.com/extra-cash-advances
5 Information from Brigit’s Terms of Service as of June 16, 2025: https://www.hellobrigit.com/terms
6 Information from MoneyLion as of April 3, 2025: https://www.moneylion.com/cash-advance/instacash
7 Information from MoneyLion’s “Instacash cash advances fee types” as of April 3, 2025: https://www.moneylion.com/pricing/#InstacashCashAdvances
8 Information from Empower as of April 3, 2025: https://empower.me/cashadvance/
9 Information from Empower’s “Terms of Service” as of April 3, 2025: https://empower.me/terms/
10 Information from Varo as of April 3, 2025: https://www.varomoney.com/cash-advance/
11 Information from MarketWatch’s Survey: Almost 50% of Americans Consider Themselves ‘Broke’ as of April 3, 2025: https://www.marketwatch.com/guides/banking/americans-broke-study/
12 Information from Bankrate’s Survey: “ATM fees reach 26-year high while overdraft fees inch back up” as of April 3, 2025: https://www.bankrate.com/banking/checking/checking-account-survey/
13 Information from Nerdwallet’s “Best Lenders for a $1,000 Loan or Less in 2025” as of April 3, 2025: https://www.nerdwallet.com/best/loans/personal-loans/small-personal-loans
14 Information from InCharge Debt Solutions’ “How Do Payday Loans Work?” as of April 3, 2025: https://www.incharge.org/debt-relief/how-payday-loans-work/
15 Information from CFPB’s “What are the costs and fees for a payday loan?” as of April 3, 2025: https://www.consumerfinance.gov/ask-cfpb/what-are-the-costs-and-fees-for-a-payday-loan-en-1589/
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