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Head-to-head · Cash Advance Apps

Chime MyPay vs B9

  • Updated Sep 2026
  • Both researched from official sources
  • 5 checks side by side
Higher score Chime MyPay #1 in Cash Advance Apps 9.3/10 Free plan Free plan✓ 2 of 3 features Visit Chime
B9 #8 in Cash Advance Apps 6.6/10 Free plan Free plan✓ 1 of 3 features Visit B9

Chime MyPay leads on 2 checks, B9 on 0, and 3 are even. Who comes out ahead on the 5 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreChime MyPay · 9.3/10
  • Free planboth
  • Most featuresChime MyPay · 2 of 3

Chime MyPay scores higher on our rubric for cash advance apps: 9.3 against 6.6 out of 10; our editors rank them #1 and #8.

Chime MyPay leads on maximum advance: 500 $ versus 250 $. On advance basis, Chime MyPay gives you Income where B9 offers Paycheck. Chime MyPay offers instant transfer fee; B9 doesn't publish it. On repayment method, B9 gives you Bank_transfer where Chime MyPay offers Debit.

Chime MyPay is the better fit for chime customers with eligible direct deposits. B9 is the better fit for eligible members who already use B9 banking.

  • Chime MyPay fits best

    Chime customers with eligible direct deposits

  • B9 fits best

    Eligible members who already use B9 banking

Advertiser disclosure: iTechGuides is reader-supported. We may earn a commission when you click some links. How we rank.

Side by side

Feature Chime MyPay 9.3/10 Visit ↗ B9 6.6/10 Visit ↗
At a glance
Editor score 9.3 6.6
Ranking #1 in Cash Advance Apps #8 in Cash Advance Apps
Best for Chime customers with eligible direct deposits Eligible members who already use B9 banking
Pricing model Free plan + paid Free plan + paid
Starting price Not published Not published
Free plan ✓ ✓
Free trial — —
Deployment Mobile Mobile
Platforms iOS, Android iOS, Android
Support Live chat, Phone, Community · 24/7 Email, Phone, Docs
Compliance 2FA PCI DSS
Built for Solo Solo, Small business
Features Chime MyPay 2/3 · B9 1/3
Direct deposit required ✓ ✓
Instant transfer fee ✓ (best) Not published
Credit check — —
Specs
Maximum advance 500 $ (best) 250 $
Advance basis Income Paycheck
Funding speed Minutes Not published
Repayment method Debit Bank_transfer
Our review
Pros
  • Scheduled delivery within 24 hours has no fee.
  • Eligible members can access up to $500 per pay period.
  • No credit check when enrolling in or using MyPay.
  • Advances can reach $1,000 on the Premium plan
  • Automatic repayment from deposits into the B9 account
  • Includes a Visa debit card, transfers, and cashback rewards
Cons
  • Requires qualifying direct deposits and eligibility varies by state.
  • Repayment is collected automatically from a Chime Checking account.
  • Instant delivery costs 3%, with a $2 minimum and $5 maximum.
  • Direct deposit and qualifying deposits are required
  • Basic advances are capped at $250
  • Availability and eligibility vary by state and member activity
Our verdict

Chime MyPay is a line of credit in the Chime mobile app that lets eligible members access part of their pay before payday. It is aimed at people who already use Chime and receive qualifying direct deposits. The app shows an available…

Read the review →

B9 is a mobile financial app for eligible members seeking paycheck advances alongside an account and Visa debit card. Members set up payroll or benefits direct deposits, then may request an advance after qualifying deposits arrive. Advance…

Read the review →
  1. Chime MyPayCash Advance Apps 9.3Free plan
  2. B9Cash Advance Apps 6.6Free plan

Strengths and trade-offs

  • Chime MyPay — where it wins

    • Scheduled delivery within 24 hours has no fee.
    • Eligible members can access up to $500 per pay period.
    • No credit check when enrolling in or using MyPay.

    Where it doesn't

    • Requires qualifying direct deposits and eligibility varies by state.
    • Repayment is collected automatically from a Chime Checking account.
    • Instant delivery costs 3%, with a $2 minimum and $5 maximum.

  • B9 — where it wins

    • Advances can reach $1,000 on the Premium plan
    • Automatic repayment from deposits into the B9 account
    • Includes a Visa debit card, transfers, and cashback rewards

    Where it doesn't

    • Direct deposit and qualifying deposits are required
    • Basic advances are capped at $250
    • Availability and eligibility vary by state and member activity
  • Chime MyPay9.3/10 · Free plan

    A Chime-linked advance with free scheduled delivery and optional paid instant delivery.

    Visit ChimeFull verdict →
  • B96.6/10 · Free plan

    B9 combines eligible paycheck advances with a B9 account, card, and automated repayment.

    Visit B9Full verdict →

More comparisons

All cash advance apps comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026

Last updated · How we research and update