Head-to-head · Cash Advance Apps
Chime MyPay vs OneBlinc Cash Advance (BlincAdvance)
Chime MyPay leads on 3 checks, OneBlinc Cash Advance (BlincAdvance) on 0, and 2 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 · 9.1/10
- Free planonly Chime MyPay
- Most featuresChime MyPay · 2 of 3
Chime MyPay scores higher on our rubric for cash advance apps: 9.1 against 7.1 out of 10; our editors rank them #1 and #6.
Chime MyPay offers free plan; OneBlinc Cash Advance (BlincAdvance) doesn't. Chime MyPay leads on maximum advance: 500 $ versus 250 $. On advance basis, Chime MyPay gives you Income where OneBlinc Cash Advance (BlincAdvance) offers Paycheck. Chime MyPay offers direct deposit required; OneBlinc Cash Advance (BlincAdvance) doesn't publish it. On repayment method, OneBlinc Cash Advance (BlincAdvance) gives you Bank_transfer where Chime MyPay offers Debit.
Chime MyPay is the better fit for chime customers with eligible direct deposits. OneBlinc Cash Advance (BlincAdvance) is the better fit for payday borrowers seeking no-interest advances.
- Chime MyPay fits best
Chime customers with eligible direct deposits
- OneBlinc Cash Advance (BlincAdvance) fits best
Payday borrowers seeking no-interest advances
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Side by side
| Feature | Chime MyPay 9.1/10 Visit ↗ | OneBlinc Cash Advance (BlincAdvance) 7.1/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 9.1 | 7.1 |
| Ranking | #1 in Cash Advance Apps | #6 in Cash Advance Apps |
| Best for | Chime customers with eligible direct deposits | Payday borrowers seeking no-interest advances |
| Pricing model | Free plan + paid | Paid |
| Starting price | Not published | $8.99/mo |
| Free plan | ✓ (best) | — |
| Free trial | — | — |
| Deployment | Mobile | Mobile |
| Platforms | iOS, Android | iOS, Android |
| Support | Live chat, Phone, Community · 24/7 | Docs |
| Built for | Solo | Solo, Small business |
| Features Chime MyPay 2/3 · OneBlinc Cash Advance (BlincAdvance) 1/3 | ||
| Direct deposit required | ✓ (best) | Not published |
| Instant transfer fee | ✓ | ✓ |
| Credit check | — | — |
| Specs | ||
| Maximum advance | 500 $ (best) | 250 $ |
| Advance basis | Income | Paycheck |
| Funding speed | Minutes | Minutes |
| Repayment method | Debit | Bank_transfer |
| Our review | ||
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| 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 → |
OneBlinc Cash Advance, also called BlincAdvance, is a mobile salary-advance service for workers who want access to part of their pay before payday. It offers advances from $50 up to $250, with limits that can increase through on-time… Read the review → |
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.
OneBlinc Cash Advance (BlincAdvance) — where it wins
- Advances range from $50 to $250, with limits that can rise through on-time repayments
- Free standard deposit; instant deposit is available for an additional fee
- No interest or late-payment fees, according to OneBlinc
Where it doesn't
- The $8.99 monthly subscription applies to the service
- Instant deposit carries an additional fee
- Automatic repayment is collected from the linked bank account on payday
- Chime MyPay9.1/10 · Free plan
A Chime-linked advance with free scheduled delivery and optional paid instant delivery.
Visit ChimeFull verdict → - OneBlinc Cash Advance (BlincAdvance)7.1/10 · From $8.99/mo
A paycheck advance with free standard delivery, no interest, and an $8.99 monthly fee.
Visit OneBlincFull verdict →
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- Tilt vs OneBlinc Cash Advance (BlincAdvance)
- Bree vs OneBlinc Cash Advance (BlincAdvance)
All cash advance apps comparisons → · Full ranking →
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Last updated · How we research and update