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Head-to-head · Cash Advance Apps

Chime MyPay vs Tilt

  • 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
Tilt #2 in Cash Advance Apps 8.4/10 From $8/mo · 14-day trial ✓ 1 of 3 features Visit Tilt

Chime MyPay leads on 2 checks, Tilt 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 8.4 out of 10; our editors rank them #1 and #2.

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

Chime MyPay is the better fit for chime customers with eligible direct deposits. Tilt is the better fit for users who also want budgeting and savings tools.

  • Chime MyPay fits best

    Chime customers with eligible direct deposits

  • Tilt fits best

    Users who also want budgeting and savings tools

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 ↗ Tilt 8.4/10 Visit ↗
At a glance
Editor score 9.3 8.4
Ranking #1 in Cash Advance Apps #2 in Cash Advance Apps
Best for Chime customers with eligible direct deposits Users who also want budgeting and savings tools
Pricing model Free plan + paid Paid
Starting price Not published $8/mo
Free plan ✓ (best) —
Free trial — —
Deployment Mobile Cloud, Mobile
Platforms iOS, Android Web, iOS
Support Live chat, Phone, Community · 24/7 Email, Live chat, Phone, Docs · 24/7
Built for Solo Solo, Small business
Features Chime MyPay 2/3 · Tilt 1/3
Direct deposit required ✓ (best) Not published
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 $10 to $500 with no credit check
  • Free standard delivery typically within one business day
  • Budgeting, automatic savings, and credit-score monitoring in one app
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.
  • $8 monthly subscription required; there is no free plan
  • Instant delivery is paid, with fees varying by advance amount
  • Unavailable to Connecticut, Maine, and Washington, D.C. residents
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 →

Tilt is a U.S. financial technology app for people seeking paycheck-oriented cash advances alongside budgeting and savings tools. Available on the web and iOS, it reviews income and spending activity from a linked bank account to determine…

Read the review →
  1. Chime MyPayCash Advance Apps 9.3Free plan
  2. TiltCash Advance Apps 8.4From $8/mo · 14-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.

  • Tilt — where it wins

    • Advances from $10 to $500 with no credit check
    • Free standard delivery typically within one business day
    • Budgeting, automatic savings, and credit-score monitoring in one app

    Where it doesn't

    • $8 monthly subscription required; there is no free plan
    • Instant delivery is paid, with fees varying by advance amount
    • Unavailable to Connecticut, Maine, and Washington, D.C. residents
  • Chime MyPay9.3/10 · Free plan

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

    Visit ChimeFull verdict →
  • Tilt8.4/10 · From $8/mo · 14-day trial

    A $8/month advance app with budgeting and savings tools, tempered by paid instant delivery.

    Visit TiltFull 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