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Chime MyPay® Review
Chime MyPay® FAQ
What rates and fees does Chime MyPay® charge?
How much cash can you access from Chime MyPay®?
What do you need to qualify for Chime MyPay®?
Chime MyPay® does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher.- Proof of income
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
Does Chime MyPay® run credit checks?
Is Chime® a legit company?
MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS ID 2316451).
You must receive qualifying direct deposits to your Chime Checking Account in the preceding 36 days 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”). MyPay is currently only available to eligible Chime members in certain states. Other restrictions apply. 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 - $1000 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. Your MyPay Credit Limit and Maximum Available Advance may change at any time. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.
Option to get funds instantly for a fee of 3% of the advance amount ($2 minimum, $5 maximum) per advance, or get funds for free within 24 hours. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Availability
Available in 38 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maryland
- Michigan
- Mississippi
- Missouri
- Nebraska
- Nevada
- New Hampshire
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- West Virginia
- Wisconsin
SuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
+100
Chime MyPay® Community Reviews
Would you recommend Chime MyPay® to your friends?
Anonymous
Oct 7, 2025
Would Recommend
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