Instant Loans at Chime

  • Invitation-only offer for eligible members.1

  • Get funds in seconds.2

  • No late fees.

  • Fixed interest rate.

Sign up for a Chime Checking Account below. Instant Loans are offered by invitation only to eligible members — there is no application process.

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Get money in your account in seconds

Instant Loans are invitation-only. Once you receive and accept an offer, your funds are typically deposited into your Chime Checking Account within seconds.

Chime Prime app on a smartphone showing available balance of $2,346.91, savings, cash back, and an instant loan offer.

Receive your offer

Chime Instant Loans are short-term personal loans offered by invitation only to eligible Chime members through the Chime app and via email.

A smartphone screen showing a loan app with $500 pre-approval, $176.74/month at 35.99% APR, 3-month term, $530.21 total cost.

Choose your Instant Loan amount

Select any amount up to the maximum shown in your personalized offer. Offer amounts vary based on eligibility.

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Get money in your account in seconds

Once eligible and you accept your offer, your funds are available in your account instantly. No late fees.1

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Chime Prime

What is an Instant Loan?

Instant Loans can provide fast access to funds when an unexpected expense comes up. Learn more about it in our blog.

Read more

FAQs

What are instant loans?

Chime Instant Loans are short-term personal loans offered by invitation only to eligible Chime members through the Chime app. If you qualify, you'll receive an offer by email or in the app, no application needed. Loan amounts vary based on deposit activity, risk-based criteria, and your use of other Chime products. Available only in certain states.

How do instant loans work?

If you're eligible, you'll receive a loan offer by email and in the Chime mobile app. Before accepting, you can review all the terms, including the APR and repayment schedule.1

Are instant loans a good idea?

Chime Instant Loans can be a helpful option when you need fast access to funds. Before you accept, you'll see the full terms, including the APR. Chime Instant Loans have a maximum 35.99% APR and $0 late fees.1

How can I get an instant loan?

Instant Loans are by invitation only, eligible members receive an offer by email and in the Chime mobile app. There's no application. If you qualify based on your account activity and other criteria, Chime may send you an offer. Currently available only in certain states.1

How do I know how much money I can get?

Your offer amount is based on your deposit activity, risk-based criteria, and your use of other Chime products. If you're eligible, your specific amount will be displayed in your email or in-app offer before you accept anything.1