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Head-to-head · Cash Advance Apps

Chime MyPay vs Bree

  • 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
Bree #3 in Cash Advance Apps 8.2/10 Free plan · paid from 2.99 CAD/mo · 30-day trial Free plan✓ 1 of 3 features Visit Bree

Chime MyPay leads on 1 check, Bree on 1, 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 8.2 out of 10; our editors rank them #1 and #3.

Bree leads on maximum advance: 750 $ versus 500 $. On advance basis, Bree gives you Bank_transactions where Chime MyPay offers Income. Chime MyPay offers direct deposit required; Bree doesn't.

Chime MyPay is the better fit for chime customers with eligible direct deposits. Bree is the better fit for canadian users wanting a small advance with free delivery.

  • Chime MyPay fits best

    Chime customers with eligible direct deposits

  • Bree fits best

    Canadian users wanting a small advance with free delivery

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 ↗ Bree 8.2/10 Visit ↗
At a glance
Editor score 9.3 8.2
Ranking #1 in Cash Advance Apps #3 in Cash Advance Apps
Best for Chime customers with eligible direct deposits Canadian users wanting a small advance with free delivery
Pricing model Free plan + paid Free plan + paid
Starting price Not published Not published
Free plan ✓ ✓
Free trial — —
Deployment Mobile Cloud, Mobile
Platforms iOS, Android iOS, Android
Support Live chat, Phone, Community · 24/7 Email
Built for Solo Solo
Features Chime MyPay 2/3 · Bree 1/3
Direct deposit required ✓ (best) —
Instant transfer fee ✓ ✓
Credit check — —
Specs
Maximum advance 500 $ 750 $ (best)
Advance basis Income Bank_transactions
Funding speed Minutes Minutes
Repayment method Debit Debit
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.
  • Offers a credit line of up to $750 to eligible users
  • Standard delivery takes 1–3 business days at no fee
  • No direct-deposit requirement; users connect a bank account and debit card
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.
  • Express delivery within minutes costs an extra fee
  • Eligibility depends on linked-account income and transaction activity
  • Not accepting new customers in Quebec, Saskatchewan, Nova Scotia or New Brunswick
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 →

Bree is a Canadian mobile app that gives eligible users access to a cash advance line of credit of up to $750. It is aimed at people seeking a small advance without a direct-deposit requirement: applicants connect a Canadian bank account…

Read the review →
  1. Chime MyPayCash Advance Apps 9.3Free plan
  2. BreeCash Advance Apps 8.2Free plan · paid from 2.99 CAD/mo · 30-day trial

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.

  • Bree — where it wins

    • Offers a credit line of up to $750 to eligible users
    • Standard delivery takes 1–3 business days at no fee
    • No direct-deposit requirement; users connect a bank account and debit card

    Where it doesn't

    • Express delivery within minutes costs an extra fee
    • Eligibility depends on linked-account income and transaction activity
    • Not accepting new customers in Quebec, Saskatchewan, Nova Scotia or New Brunswick
  • Chime MyPay9.3/10 · Free plan

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

    Visit ChimeFull verdict →
  • Bree8.2/10 · Free plan · paid from 2.99 CAD/mo · 30-day trial

    A Canadian cash advance app with free standard delivery and optional paid budgeting tools.

    Visit BreeFull 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