Paying off your instant loan does not immediately qualify you for a new one. Chime evaluates eligibility over time, and once you qualify again, you'll receive a push notification and a message in the app letting you know that a new loan offer is available.
Even with early repayment, a new offer depends on your ongoing eligibility—and on where you are in the 0-0-15 cooldown cycle. If you’ve already taken three consecutive loans, you’ll need to wait 15 days after repaying the third before becoming eligible again. You can also reset your loan access earlier by spacing out your loan usage—waiting at least 15 days between loan offers.
If you’re considering paying off your loan early, keep in mind that it can help reduce interest, but it won’t guarantee an immediate new loan offer.