Get paid
when you say.

Life doesn’t wait for payday. Neither should you. MyPay lets you get your pay when you want, up to $500^ before payday.
  • No interest*
  • No credit check
  • No mandatory fees
State eligibility >
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Meet MyPay

Get up to $500^
of your pay before  payday.

We believe in easy and flexible access to your own money when you want it. Finally, you’re in control and can navigate the time between paydays with confidence.

Can I get $500 right away?

Most members credit limits start between $50-$100. Limits can increase as soon as the next pay cycle. Continue to use Chime and within a few months you could reach higher credit limits, up to $500.

Your pay,
on your schedule.

Get your pay within 24 hours entirely fee-free, or instantly for $2 per advance—your choice.

Instantly
$2 flat fee
<24 hrs
Free
Demo

Take MyPay
for a test drive.

Too good to be true? See how you can get up to $500 of your pay before payday, 
fee-free*.

1/4

See what's available.

View the amount you can take as an advance.

Tap “Get money”
to begin.

2/4

Choose
your amount.

Take an advance for any amount, starting at $20 up to your credit limit, which can go up to $500 over time.

Enter the amount you want.

3/4

Select
your speed.

Get paid instantly for $2, or within 24 hours, entirely fee-free*.

Choose when to get your advance.

4/4

Enjoy your payday.

Your advance will be repaid with your upcoming qualifying direct deposits~.

You just received $ in your Checking Account, and all on your schedule.

Checkmark

Feel those payday vibes, any day.

Get up to $500 of your pay when you want. It's money at your fingertips.

Sign up for Chime
MyPay Notification

Why MyPay beats the competition.

MyPay
Payday loans
Other cash advance apps
Credit cards
Credit check?
No
Yes
No
Yes
Interest?
None
Up to 
400% APR2
0% APR
Up to 
29.99% APR3
Free advance available?
Yes
No
Yes
No
Instant advance costs?
$2 flat fee per advance
$10 - $30 per $100 advanced5
Up to $40 per advance4
$3-$5 per $100 advanced6
Monthly subscription?
$0 a month
$0 a month
up to $14.99
a month1
May require annual fee
Tipping requested?
No
No
Yes
No
Credit check?
MyPay
No
Payday loans
Yes
Other cash advance apps
No
Credit cards
Yes
Interest?
MyPay
None
Payday loans
Up to 
400% APR2
Other cash advance apps
0% APR
Credit cards
Up to 
29.99% APR3
Free advance available?
MyPay
Yes
Payday loans
No
Other cash advance apps
Yes
Credit cards
No
Instant advance costs?
MyPay
$2 flat fee per advance
Payday loans
$10 - $30 per $100 advanced5
Other cash advance apps
Up to $40 per advance4
Credit cards
$3-$5 per $100 advanced6
Monthly subscription?
MyPay
$0 a month
Payday loans
$0 a month
Other cash advance apps
up to $14.99
a month1
Credit cards
May require annual fee
Tipping requested?
MyPay
No
Payday loans
No
Other cash advance apps
Yes
Credit cards
No
View more

Why MyPay beats the competition.

Chime
Payday loan
Other cash advance apps
Credit card
Credit check?
No
Yes
No
Yes
Interest?
None
Up to 400% APR2
0% APR
Up to 
29.99% APR3
Free advance available?
Yes
No
Yes
No
Instant advance costs?
$2 flat fee
$10 - $30 per $100 advanced5
Up to $404
$3-$5 per $100 advanced6
Monthly subscription required?
$0 a month
$0 a month
Up to $14.99 a month1
$0 a month
Tipping requested?
No
No
Yes
No
Credit check?
Chime
No
Payday loan
Yes
Other cash advance apps
No
Credit card
Yes
Interest?
Chime
None
Payday loan
Up to 400% APR2
Other cash advance apps
0% APR
Credit card
Up to 
29.99% APR3
Free advance available?
Chime
Yes
Payday loan
No
Other cash advance apps
Yes
Credit card
No
Instant advance costs?
Chime
$2 flat fee
Payday loan
$10 - $30 per $100 advanced5
Other cash advance apps
Up to $404
Credit card
$3-$5 per $100 advanced6
Monthly subscription required?
Chime
$0 a month
Payday loan
$0 a month
Other cash advance apps
Up to $14.99 a month1
Credit card
$0 a month
Tipping requested?
Chime
No
Payday loan
No
Other cash advance apps
Yes
Credit card
No
View more

With MyPay I am able to take care of anything that life throws at me, such as last minute expenses, last minute bills or just having 
a little money in my pocket for myself to enjoy.

Thanks to MyPay, 
I can live life a little easier. 
I have access to my money, 
when I need it! That type 
of peace of mind is almost unheard of!

Now that I have access to MyPay, you couldn't ask me to go back. It helps out with everything in my life."

Real Member. Paid testimonial.

Ready to get paid on your schedule?

Your money. Now.
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Your money. Now.
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Your money. Now.
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Your money. Now.
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MyPay
resources.

MyPay app screen on a phone device

What is MyPay™, and How Does MyPay Work?

Learn more

What Is On-Demand Pay?

Learn more

Have questions
about MyPay?

How do I determine my MyPay line of credit limit and available amount?

During each pay period, you are able to see your credit limit and the amount that is available to you to access that day. Money available to you can be accessed right from the Chime mobile app, and is transferred directly into your Chime Checking Account. The minimum amount that can be advanced at a time is $20, and the maximum is your available amount, up to your credit limit.

Still have questions? Learn more about how MyPay works on our blog.

Is MyPay available only in certain states?

Right now, MyPay is available to eligible Chime members who live in the states listed in the MyPay Agreement, provided all other eligibility requirements are met. We are working to expand our state eligibility.

How much does MyPay cost?

It is free to access MyPay and there is no optional tipping. There are no fees for scheduled advances, which arrive in your Chime Checking Account in up to 2 days after requesting an advance. You can also choose to get money instantly for $2 per advance.

What’s the catch?

We believe in transparency. When you use MyPay, there is never any interest*, no credit check, and no mandatory fees.

Will using MyPay impact my credit score?

Chime does not perform a credit check when you use MyPay, and we do not report your payment history to the credit bureaus.

How do I get access to MyPay?

Start by setting up a $200+ qualifying direct deposit. You must have an activated physical Chime card, receive qualifying direct deposits, and live in a state where MyPay is offered. If you become eligible, you’ll be invited to unlock MyPay. Right now, MyPay is available to anyone who lives in the states listed in our eligibility requirements, provided all other eligibility requirements are met. We are working to expand our state eligibility.

How is MyPay different from Get Paid Early and SpotMe®?

At Chime, we believe you should get your pay as soon as possible. With Get Paid Early7, you can also get your paycheck up to 2 days earlier than you normally would when you set up a qualifying direct deposit to your Chime Checking Account.

SpotMe8 is fee-free overdraft you don’t have to think about. If your account hits $0, SpotMe is there to cover you up to $200 on debit card purchases, Credit Builder transactions, and cash withdrawals, as applicable, automatically, based upon your available limit. If you are enrolled in SpotMe, please check your Chime mobile app for details on your SpotMe limit.

MyPay puts you in control of payday by allowing you take an advance, up to $500^ any day before payday, depending on your credit limit, per pay period.

How does Chime make money?

Chime makes money primarily by collecting a portion of something called an interchange fee. An interchange fee (also called a swipe fee) is a fee that’s designed to cover the cost of processing debit or credit card transactions electronically. The merchant that accepts a debit or credit card as payment pays an interchange fee back to the card issuer. This is how Chime can continue building new and better products that help members get the most from their money.

Does Chime charge other fees?

Chime charges a fee if you withdraw cash from out-of-network ATMs or make over the counter (OTC) withdrawals. The fee is $2.50, and again, it only applies to out-of-network ATMs or OTC withdrawals.

You can withdraw cash without a fee at more than 50,000 Allpoint or Visa Plus Alliance ATMs or MoneyPass ATMs located in retailers you love, like Target and inside 7-Eleven locations. MoneyPass® ATMs not in a 7-eleven location will be subject to fee(s). Refer to your Chime app on how to find in-network ATMs.

Cash deposits9 are fee-free for Chime members at checkout counters at Walgreens and Duane Reade stores. Cash deposits made at other locations may incur a fee, which is charged by the merchant and not Chime.

While there is no mandatory fee to use MyPay and you can receive your advance fee-free* within 24 hours of requesting it, you have the option to get your MyPay advance instantly for a $2.00 fee.

MyPay line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS 2316451).

^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.

*Option to get funds instantly for $2 per advance or get funds for free within 24 hours. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.

~With authorization, outstanding MyPay balances will be repaid from direct deposits to your Chime Checking Account from Eligible Sources. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.

1Information from Brigit's "How much does Brigit cost?" as of May 1, 2024: https://help.hellobrigit.com/hc/en-us/articles/360034832191-How-much-does-Brigit-cost

2Information from the CFPB's "What is a payday loan" as of May 1, 2024: https://www.consumerfinance.gov/ask-cfpb/what-is-a-payday-loan-en-1567/

3Information from Credit Karma's "What is a credit card cash advance fee?" as of May 1, 2024: https://www.creditkarma.com/credit-cards/i/credit-card-cash-advance-fees

4Information on Varo's max cash advance fee as of May 1, 2024: https://www.varomoney.com/cash-advance/

5Information from the CFPB's What are the costs and fees for a payday loan?" as of May 1, 2024: https://www.consumerfinance.gov/ask-cfpb/what-are-the-costs-and-fees-for-a-payday-loan-en-1589/

6Information from CNBC's "What is a cash advance and how do they work?" as of May 1, 2024, 2023: https://www.cnbc.com/select/what-is-a-cash-advance-and-how-do-they-work/

7Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

8SpotMe® for Credit Builder is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, “SpotMe”). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month.
Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won't cover non card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe Terms and Conditions.

9Once the retailer accepts your cash, the funds will be transferred to your selected Chime Account. Barcode and debit card cash deposits land in the Checking Account. Credit Builder card cash deposits first go through your Card Account and then land in your Secured Account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade.

Chime® is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card and the Chime Credit Builder Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit and credit cards are accepted. Please see the back of your Card for its issuing bank.

While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third-party websites, as Chime is not responsible for those third parties' privacy or security practices.

Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank, N.A. and Stride Bank, N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).

Third-party trademarks referenced for informational purposes only; no endorsements implied.

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