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Head-to-head · Cash Advance Apps

Chime MyPay vs FloatMe

  • 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
FloatMe #7 in Cash Advance Apps 7.0/10 Free plan · paid from $6.99/mo Free plan✓ 1 of 3 features Visit FloatMe

Chime MyPay leads on 2 checks, FloatMe 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 7.0 out of 10; our editors rank them #1 and #7.

Chime MyPay leads on maximum advance: 500 $ versus 200 $. Chime MyPay offers direct deposit required; FloatMe doesn't. On repayment method, FloatMe gives you Bank_transfer where Chime MyPay offers Debit.

Chime MyPay is the better fit for chime customers with eligible direct deposits. FloatMe is the better fit for users needing small advances and balance alerts.

  • Chime MyPay fits best

    Chime customers with eligible direct deposits

  • FloatMe fits best

    Users needing small advances and balance alerts

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 ↗ FloatMe 7.0/10 Visit ↗
At a glance
Editor score 9.3 7.0
Ranking #1 in Cash Advance Apps #7 in Cash Advance Apps
Best for Chime customers with eligible direct deposits Users needing small advances and balance alerts
Pricing model Free plan + paid Free plan + paid
Starting price Not published $6.99/mo
Free plan ✓ ✓
Free trial — —
Deployment Mobile Mobile
Platforms iOS, Android iOS, Android
Support Live chat, Phone, Community · 24/7 Email, Tickets
Built for Solo Solo
Features Chime MyPay 2/3 · FloatMe 1/3
Direct deposit required ✓ (best) —
Instant transfer fee ✓ ✓
Credit check — —
Specs
Maximum advance 500 $ (best) 200 $
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.
  • Free ACH standard delivery, generally within one to three business days
  • Balance predictions and alerts may help flag insufficient-fund risk
  • No credit check is stated for advance eligibility
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.
  • Advance amounts are capped at 200
  • Instant delivery to a card or linked account carries a fee
  • Eligibility, approval and availability vary by user and location
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 →

FloatMe is a U.S. mobile app for eligible users seeking small cash advances, called Floats, to cover expenses or help avoid overdrafts. It is designed for individuals who can connect a bank account and debit card and provide account and…

Read the review →
  1. Chime MyPayCash Advance Apps 9.3Free plan
  2. FloatMeCash Advance Apps 7.0Free plan · paid from $6.99/mo

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.

  • FloatMe — where it wins

    • Free ACH standard delivery, generally within one to three business days
    • Balance predictions and alerts may help flag insufficient-fund risk
    • No credit check is stated for advance eligibility

    Where it doesn't

    • Advance amounts are capped at 200
    • Instant delivery to a card or linked account carries a fee
    • Eligibility, approval and availability vary by user and location
  • Chime MyPay9.3/10 · Free plan

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

    Visit ChimeFull verdict →
  • FloatMe7.0/10 · Free plan · paid from $6.99/mo

    FloatMe pairs modest cash advances with balance-risk alerts and free standard ACH delivery.

    Visit FloatMeFull 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