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MyPay™: The interest-free* alternative to payday loans.
Payday loans can fill temporary cash flow gaps but often at a high cost. MyPay is an alternative to a payday loan that allows you to access up to $500^ when you need it without paying interest* or oversized fees.
- No credit check
- No mandatory fees
- Easy access to funds
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MyPay leaves other alternatives to payday loans behind.
MyPay sets itself apart from traditional payday loans, cash advance apps, and credit card cash advances. This is a simple, seamless way to access your money from future direct deposits with just a few taps of a button.
Get paid
when you say.
Need your pay today? Get started with MyPay.
Set up Direct Deposit. You’ll need 1-2 qualifying direct deposits of $200 or more within 36 days in addition to other eligibility requirements.^
Go to MyPay once you have enrolled and set up your direct deposit to see the amount you can take as an advance. MyPay limits range from $20 to $500 per pay period. Your limit is based on your direct deposit history, income, and other factors.
Tap ‘Get Money’ and enter the amount you’d like to receive. The amount you can enter should be equal to or less than your MyPay available credit limit.
Pick your funding speed. Choose Instantly to receive your pay right away for a $2 fee, or select ‘Within 24 hours’ to get a fee-free advance. Instant Advance fees are deducted from your Chime checking account.
Tap ‘Next’ to complete the transfer. If you chose Instantly for funding speed, you should see the money in your Chime account right away. Otherwise, you’ll need to check back in 24 hours to confirm that your advance has hit your account.
Member testimonials.
Real members. Paid testimonials.
FAQs
What is a payday loan?
A payday loan is a short-term, high-interest loan that allows you to borrow against your paycheck.¹ Repayment is due on your next payday unless you roll the loan over. You can apply for payday loans online or in person through a local lender.
Are payday loans bad?
Payday loans generally have a negative reputation due to their high interest rates and fees. Payday lending can also lead to a cycle of debt if you continuously roll the loan over versus paying it off on your next payday. Compared to personal loans, payday loans are often a more expensive way to borrow.
How do payday loans work?
Payday loans work by allowing you to access some of your future pay. You can get cash the same day and repay it when you get paid again. Payday lenders can charge fees for payday loans, though fees (and loan amounts) are typically capped by state law.²
Do payday loans check credit?
It’s common to see advertisements for payday loans without a credit check or payday loans with bad credit accepted. Payday lenders often don’t require a minimum credit score to borrow. Approval for a payday loan more often hinges on your income and whether you have a bank account.
What do you need for a payday loan?
Fast payday loans often have minimal requirements to apply and get approved. Lenders may ask you for a valid, government-issued photo ID, a copy of your paystubs, and a bank statement or your bank account number and routing number. You’ll also need to provide some basic personal information like your address and phone number.¹⁰
MyPay, on the other hand, requires only a Chime Checking Account with a qualifying direct deposit. With MyPay there are no fees typically associated with payday loans or other types of instant loans.