If you miss a payment on your instant loan Chime won’t charge any late fees or extra interest, but keep in mind that if you're 15 days or more past due, you may become ineligible for SpotMe® and MyPay®. Also, once a payment is 30 days late or more, it will be reported to the credit bureaus and could negatively impact your credit.
To keep these features available, we encourage you to stay on top of your instant loan payments.