Instant Loans* are available to eligible members, and we're working to expand access in the future. If you're eligible, Chime will notify you with a push notification and message in the app. Eligibility criteria includes:
- Being 18 or older.
- Living in an eligible state.
- Having a Chime Checking Account in good standing.
- You received a Qualifying Direct Deposit of $200 or more last month.
- Receiving at least $500 in Qualifying Direct Deposits each month for the past six consecutive months.
- No outstanding Instant Loans.
- After three Instant Loans in a row, there is a 15-day wait before the next offer.
Meeting these requirements doesn’t guarantee a loan offer, and Chime Member Service agents can’t change loan decisions.
*Loans are made by The Bancorp Bank, N.A.Â