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Head-to-head · Cash Advance Apps

Chime MyPay vs Dave ExtraCash

  • 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
Dave ExtraCash #5 in Cash Advance Apps 7.0/10 Paid ✓ 1 of 3 features Visit Dave ExtraCash

Chime MyPay leads on 2 checks, Dave ExtraCash 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 planonly Chime MyPay
  • Most featuresChime MyPay · 2 of 3

Chime MyPay scores higher on our rubric for cash advance apps: 9.3 against 7.0 out of 10; our editors rank them #1 and #5.

Chime MyPay offers free plan; Dave ExtraCash doesn't. Chime MyPay offers direct deposit required; Dave ExtraCash doesn't. On repayment method, Dave ExtraCash gives you Bank_transfer where Chime MyPay offers Debit.

Chime MyPay is the better fit for chime customers with eligible direct deposits. Dave ExtraCash is the better fit for users prioritizing fee-free advances and quick approval.

  • Chime MyPay fits best

    Chime customers with eligible direct deposits

  • Dave ExtraCash fits best

    Users prioritizing fee-free advances and quick approval

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 ↗ Dave ExtraCash 7.0/10 Visit ↗
At a glance
Editor score 9.3 7.0
Ranking #1 in Cash Advance Apps #5 in Cash Advance Apps
Best for Chime customers with eligible direct deposits Users prioritizing fee-free advances and quick approval
Pricing model Free plan + paid Paid
Starting price Not published Not published
Free plan ✓ (best) —
Free trial — —
Deployment Mobile Mobile
Platforms iOS, Android iOS, Android
Support Live chat, Phone, Community · 24/7 Email, Live chat, Phone, Docs
Compliance 2FA 2FA
Built for Solo Solo, Small business
Features Chime MyPay 2/3 · Dave ExtraCash 1/3
Direct deposit required ✓ (best) —
Instant transfer fee ✓ ✓
Credit check — —
Specs
Maximum advance 500 $ 500 $
Advance basis Income Income
Funding speed Minutes Minutes
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 from $25 to $500 with no interest or late fees
  • Typical authorization arrives within five minutes
  • No credit check; CashAI reviews income and transaction data
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.
  • ExtraCash requires paid Dave Membership and Dave Checking accounts
  • Eligibility and advance amounts vary; few members qualify for $500
  • External debit-card transfers can incur a 1.5% express fee
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 →

Dave ExtraCash is a mobile cash-advance service for U.S. consumers who need short-term funds between paychecks. Available on iOS and Android, it offers eligibility-based advances from $25 to $500. Users connect a bank account, and Dave…

Read the review →
  1. Chime MyPayCash Advance Apps 9.3Free plan
  2. Dave ExtraCashCash Advance Apps 7.0Paid

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.

  • Dave ExtraCash — where it wins

    • Advances from $25 to $500 with no interest or late fees
    • Typical authorization arrives within five minutes
    • No credit check; CashAI reviews income and transaction data

    Where it doesn't

    • ExtraCash requires paid Dave Membership and Dave Checking accounts
    • Eligibility and advance amounts vary; few members qualify for $500
    • External debit-card transfers can incur a 1.5% express fee

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