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Get paid when you say.

MyPay is coming. Be one of the first to get up to $500 of your pay when you say^. No mandatory fees, no credit check, no interest*.
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MyPay
Your money. Now.
MyPay
Your money. Now.
MyPay
Your money. Now.
MyPay
Your money. Now.
MyPay
Your money. Now.
MyPay
Your money. Now.
MyPay
Your money. Now.
MyPay
Your money. Now.
MyPay
Your money. Now.
Get your pay
when you want.
at your fingertips.
on a
weekend.
between paydays.
with no credit check.
when life happens.
on your schedule.
for a date night.
  • No mandatory fees
  • No credit check
  • No interest*
MyPay
Your money. Now.
MyPay
Your money. Now.
MyPay
Your money. Now.
MyPay
Your money. Now.
MyPay
Your money. Now.
MyPay
Your money. Now.
MyPay
Your money. Now.
MyPay
Your money. Now.
MyPay
Your money. Now.

Why MyPay™ beats the competition.

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

Why MyPay beats the competition.

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

  • Set up and receive a qualifying direct deposit of $200+.
  • Refer your friends to Chime and when they open a Chime Checking Account, you can move up the list.
  • Remind your friends to set up and receive a qualifying direct deposit of $200+. Once they do, you can move up the waitlist. You and your friend can also get $100 each. See referral terms and conditions in your Chime mobile app for details.

Your place in line is not guaranteed and may be impacted by the actions of other members on the waitlist. See waitlist terms and conditions for more information.

When will I be selected off the waitlist?

We cannot guarantee when you will be moved off the waitlist. You will not be placed on the waitlist if you live in an ineligible state or if you have not opened a Chime Checking Account.

Will I be notified once I get off the waitlist?

Yes, you will receive an email, and a push and an in-app notification once you are selected from the waitlist.

Can I be on the waitlist, but ineligible for MyPay?

Yes – there are some scenarios where you may be on the waitlist, but currently ineligible for MyPay. Some examples include:

  • You have not set up qualifying MyPay direct deposits
  • Your other Chime account activity

Joining the waitlist does not guarantee that you’re eligible for MyPay. Eligibility for MyPay will be assessed prior to selection off the waitlist.

MyPay provided by The Bancorp Bank, N.A. or Stride Bank, N.A.

^To be eligible for MyPay, you must receive Qualifying MyPay Direct Deposits to your Chime Checking Account as set forth in the MyPay Agreement. A Qualifying MyPay 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 Available Advance Amount 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 2 days. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.

1Information from Brigit's "How much does Brigit cost?" as of February 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 January 17, 2022: 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 September 12, 2023: https://www.creditkarma.com/credit-cards/i/credit-card-cash-advance-fees

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

5Information from the CFPB's What are the costs and fees for a payday loan?" as of August 28, 2020: 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 November 14, 2023: https://www.cnbc.com/select/what-is-a-cash-advance-and-how-do-they-work/

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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