CLEARBORROW · PUBLISHED NOVEMBER 12, 2026

Apps like Chime SpotMe and MyPay

By Petrov Andriy, founder and editor · AI-assisted desk research

QUICK ANSWER

The closest alternatives to Chime are other banking apps with built-in advances: Current (fee-free overdraft with $200+ deposits and advances up to $1,000) and Varo (advances up to $1,000 over time, flat fee). If you do not want to move your paycheck, EarnIn, MoneyLion, Dave or Grant (our partner) work with an existing bank. SpotMe-style overdraft coverage is rarer than advances.

How this list works. Grant is a ClearBorrow partner and is marked; the other apps are not, and we earn nothing from them. Facts come from each developer’s App Store listing or official pages; we did not open accounts or take advances.

On this page

The alternatives at a glance
How to choose
If you want SpotMe-style overdraft
Questions
Sources and limits

The alternatives at a glance

Chime SpotMe covers card overdrafts up to $200 and MyPay advances $20–$500 for Chime direct deposit customers (App Store ↗). Alternatives:

App	Advance	Cost to know	Note
Current	Up to $1,000; fee-free overdraft	Instant Access fee; overdraft needs $200+ deposits in 35 days (App Store ↗)	Closest to SpotMe
Varo	Up to $250, up to $1,000 over time	Flat fee per advance (App Store ↗)	Chartered bank
MoneyLion	Set in app	No monthly fee; Turbo 7.5%–9% (MoneyLion ↗)	Free to Spend account
Dave	$25–$500	5% fee, $5 min; membership up to $5 (Dave ↗)	Overdraft-style product
EarnIn	Up to $200/day	No mandatory fees (EarnIn ↗)	Keeps your current bank
Grant (our partner)	$25–$500	Optional $9.99/month Plus; $2–$21 Express (App Store ↗)	Not a loan; average first-time advance $66

How to choose

Do you already have direct deposit at a bank or app? Banking apps (Chime, Current, Varo) unlock advances only with deposits there.
Can you wait a day or more? Several apps have a free standard route; pay for speed only when the bill cannot wait.
Count the monthly fee. A subscription is part of the cost even in months you take nothing.
Check the first amount, not the maximum. Most apps start lower; see average offers where they publish them.

If you want SpotMe-style overdraft

Current’s fee-free overdraft is the closest match: it requires at least $200 in eligible direct deposits over 35 days and negative balances must be repaid within 60 days (App Store ↗). SpotMe itself covers only card transactions and cash withdrawals, not ACH payments (Chime ↗).

Questions

What app is like Chime MyPay?

Current Paycheck Advance and Varo Advance work the same way: an advance inside a banking app tied to your direct deposit.

Is there an app like Chime that does not need direct deposit?

EarnIn, MoneyLion, Dave and Grant can work with a bank you already have, under their own eligibility rules.

YOUR NEXT STEP

Explore the selected cash-advance partner

Grant is the selected commercial advance partner in our directory. Other apps discussed in this guide have their own separate requirements and terms.

Partner links. We may earn a commission if you continue and complete an eligible action. Selected partners only; no approval or funding guarantee. Advertising disclosure.

Cash advance

Grant Cash Advance

Published amount: Amount depends on current eligibility
Cost: No interest; fees can apply

Plus and optional express delivery can add costs. First-time amounts and state access must be checked directly.

Visit Grant Cash Advance (partner website, opens in a new tab)Read costs and limitations

Alphabetical order, not a ranking. Confirm state availability with the provider. You can review an offer and decline it.

Sources and limits

Developer information checked November 12, 2026 (MoneyLion, Dave and EarnIn: October 24, 2026). Terms change often and the amount you are offered is set in the app. Examples are our own arithmetic, not offers. How we use sources.