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Loans That Work With Chime
An online-only account is not a barrier here. If it has a routing number, an account number and a deposit history, we can fund it.
Online-only banks changed how a lot of Americans hold money, and a fair number of lenders never updated their systems to match. We fund to Chime and to other online-only accounts the same way we fund to a traditional bank, because what we need is a routing number, an account number and a visible deposit history.
| Key loan information | Details |
|---|---|
| Loan amount | $200 – $5,000 |
| Works with | Chime, Varo, Current, Cash App, SoFi, Ally and similar |
| What we need | Routing and account number, plus 30+ days of history |
| Funding | ACH, or push-to-card where the issuer supports it |
| Repayment | ACH debit on the dates in your agreement |
| Credit check | Soft inquiry, no FICO® impact |
| Early deposit | Many online banks post ACH credits early |
Why online-only accounts often fund faster
Several online banks release incoming ACH credits as soon as the payment file arrives rather than waiting for the settlement date, which is the same mechanism that gets people paid up to two days early. In practice that means a loan sent by ACH frequently appears in an online-only account sooner than in an account at a traditional bank.
Finding your details
In most banking apps the routing and account numbers sit under a "Move money", "Settings" or "Direct deposit" section. Copy them exactly. A mistyped routing number is the single most common cause of a delayed deposit, and it usually costs a full business day.
Income verification with an online bank
Online banks connect cleanly to the secure, read-only verification we use, so most applications complete without any documents. We look for the same things as anywhere else: regular deposits, an account open at least 30 days, and no pattern of recent returned payments.
Repayment
Payments are drafted by ACH on the dates printed in your agreement. Online accounts make balances easy to watch, which helps, but they also make money easy to move out. Treat the payment date as fixed spending rather than something to cover from whatever is left.
Related pages
Prepaid card deposits, instant debit card funding, and same day loans.
Frequently asked questions
Can I get a loan deposited to Chime?
Yes. We fund to Chime and other online-only accounts by ACH using the routing and account numbers in your banking app. The account needs to be at least 30 days old with visible deposit history.
Do loans deposit faster to online banks?
Often. Several online banks release incoming ACH credits as soon as the payment file arrives rather than waiting for the settlement date, which is the same mechanism behind early direct deposit.
Where do I find my Chime routing and account number?
Inside the banking app, usually under a move money, settings or direct deposit section. Do not use the 16-digit card number, which is not an account number and cannot receive an ACH deposit.
Which other online banks work?
Varo, Current, Cash App, SoFi, Ally and similar accounts all work on the same basis: a routing number, an account number, and a deposit history we can verify.
Borrow $200 to $5,000 for any purpose
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