Chime vs Dave 2025:
Which Cash Advance Wins?

Chime SpotMe lets you overdraft your Chime checking account by up to $200 with no fee. It activates automatically after you've received at least $200 in direct deposits in the past 34 days. SpotMe covers debit card purchases and ATM withdrawals — the overdraft is repaid from your next deposit automatically.

Dave ExtraCash is a cash advance of up to $500 sent directly to your linked bank account or Dave Spending account. It requires a $1/month Dave membership. Repayment is automatically scheduled for your next payday. No credit check, no interest — just a flat membership fee.

Chime SpotMe has zero fees — no subscription, no delivery fee, no interest. Dave charges $1/month, plus $3–$15 for instant delivery (free with Dave's debit card). If you're already a Chime user meeting the direct deposit requirement, SpotMe is the cheapest cash advance product available anywhere.

Dave wins on limit — up to $500 vs Chime's $200 cap. If you need more than $200, Dave is the only option between the two. Dave's limit also grows over time based on account history, potentially exceeding the default $500 for some users.

Yes — Chime SpotMe is exclusively for Chime checking account holders. You must have received at least $200 in direct deposits in the past 34 days to qualify. It's not a standalone app you can use with your existing bank account. Dave, by contrast, works with virtually any US bank account and doesn't require switching banks.