Suggestions appear as you type. Use the up and down arrows to choose one and Enter to open it.

This page's audience real numbers from our own analytics — open to see them
–Visitors
–Page views
–Clicks to vendors
–Time on page
–Reading now
Clicks to vendors, by tool
  • –
Top countries
  • –
Devices
  • –

– · counted by iTechGuides's own first-party analytics, bots removed, every figure rounded down · how we count

Head-to-head · Cash Advance Apps

Chime MyPay vs Vola

  • 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
Vola #4 in Cash Advance Apps 7.4/10 Free plan · paid from $3.99/mo Free plan✓ 0 of 3 features Visit Vola

Chime MyPay leads on 2 checks, Vola 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 7.4 out of 10; our editors rank them #1 and #4.

On advance basis, Vola gives you Bank_transactions where Chime MyPay offers Income. Chime MyPay offers direct deposit required; Vola doesn't. Chime MyPay offers instant transfer fee; Vola doesn't.

Chime MyPay is the better fit for chime customers with eligible direct deposits. Vola is the better fit for users wanting advances plus credit-building features.

  • Chime MyPay fits best

    Chime customers with eligible direct deposits

  • Vola fits best

    Users wanting advances plus credit-building features

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 ↗ Vola 7.4/10 Visit ↗
At a glance
Editor score 9.3 7.4
Ranking #1 in Cash Advance Apps #4 in Cash Advance Apps
Best for Chime customers with eligible direct deposits Users wanting advances plus credit-building features
Pricing model Free plan + paid Free plan + paid
Starting price Not published $3.99/mo
Free plan ✓ ✓
Free trial — —
Deployment Mobile Cloud, Mobile
Platforms iOS, Android iOS, Android, Web
Support Live chat, Phone, Community · 24/7 Email
Built for Solo Solo
Features Chime MyPay 2/3 · Vola 0/3
Direct deposit required ✓ (best) —
Instant transfer fee ✓ (best) —
Credit check — —
Specs
Maximum advance 500 $ 500 $
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.
  • Eligible users can request advances up to $500 without direct deposit.
  • Instant transfer has no extra fee where supported by the bank.
  • CreditMap, budgeting tools and eligible-payment reporting add finance features.
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 access and amounts depend on eligibility and bank-account activity.
  • Repayment is collected in one installment from a linked account or debit card.
  • Premium starts at $3.99 monthly, while tier-based services are not detailed.
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 →

Vola combines short-term cash advances with personal-finance features for people who want budgeting and credit tools in the same app. Eligible users may receive advances up to $500 based on linked bank-account activity and income and…

Read the review →
  1. Chime MyPayCash Advance Apps 9.3Free plan
  2. VolaCash Advance Apps 7.4Free plan · paid from $3.99/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.

  • Vola — where it wins

    • Eligible users can request advances up to $500 without direct deposit.
    • Instant transfer has no extra fee where supported by the bank.
    • CreditMap, budgeting tools and eligible-payment reporting add finance features.

    Where it doesn't

    • Advance access and amounts depend on eligibility and bank-account activity.
    • Repayment is collected in one installment from a linked account or debit card.
    • Premium starts at $3.99 monthly, while tier-based services are not detailed.
  • Chime MyPay9.3/10 · Free plan

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

    Visit ChimeFull verdict →
  • Vola7.4/10 · Free plan · paid from $3.99/mo

    A budgeting app with eligible advances up to $500 and credit-reporting tools.

    Visit VolaFull 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