FrontPay vs Chime MyPay.
Same job, a small advance against your next paycheck, priced two different ways. Eight rounds on the things that decide the bill, then the receipts for $50, $100 and $300. Figures from joinfrontpay.com and NerdWallet, 8 May 2026.
joinfrontpay.com · website only · not affiliated with FrontPay USA
NerdWallet figures · 8 May 2026
Eight rounds.
- $100Maximum advanceChime MyPay$500new users $50–$100
- $9.99Monthly costChime MyPay$0
- $0Cost per advanceDraw$0
- $4.99Instant deliveryChime MyPay3% · $2–$5
- 12 h–3 daysFree delivery takesChime MyPaywithin 24 h
- Direct deposit of $400+, two or three timesWho qualifiesDrawTwo direct deposits of $200+ in 36 days into a Chime checking account
- Website only, no app, no new bank accountSetupFrontPayYou must bank with Chime: checking account and an activated card
- States not published · email-only supportReach and supportDrawNot in 12 states · Chime support
Chime MyPay, if you already bank with Chime. If you don't, don't switch banks for it.
No membership, no per-advance fee, free delivery inside 24 hours, $500 ceiling. It is the cheapest thing in this category, and it is only for Chime members with qualifying deposits. Moving your paycheck to a new bank to save $9.99 a month is a bigger decision than a cash advance. Not offered in Colorado, Connecticut, Illinois, Maine, Massachusetts, Minnesota, Montana, New Jersey, New Mexico, South Dakota, Washington or Wyoming.
Scored on published terms as of October 2026. A draw means neither is clearly better for most people, not that they're identical.
The receipt.
What one advance costs, repaid on the next payday, with the standard free delivery and with the paid instant option. Memberships are counted once, as if this is your only advance that month.
Dollar figures from each company's published schedule; where a fee scales with the amount, the range is shown. Tips set to $0 where they're optional.
| You need | FrontPay | Chime MyPay |
|---|---|---|
| $50repaid next payday | $9.99standard · $14.98 instant | $0.00standard · $2.00 instant |
| $100repaid next payday | $9.99standard · $14.98 instant | $0.00standard · $3.00 instant |
| $300repaid next payday | Over the $100 cap | $0.00standard · $5.00 instant |
Switching from FrontPay to Chime MyPay?
Three things people get wrong, in order.
Cancel the membership first.
FrontPay's $9.99 renews until you email them. Cancelling doesn't erase an open advance; that still comes out on payday.
How to cancel FrontPay, step by step →Don't overlap the paydays.
Take the Chime MyPay advance on the payday after the FrontPay one has been repaid. Two auto-debits on one payday is the usual way an overdraft fee gets added to the bill.
Expect to start small.
Chime MyPay sizes the first advance from your deposit history, not the headline number. Most new users begin well under the maximum and move up after a few on-time repayments.
Over $500?
Then it's neither.
Both of these stop at or below $500 and both take the whole amount back on one payday. A bill bigger than that needs a loan: one fixed payment a month, an end date on the contract, no membership. That is what FrontPay USA connects you with, $200 to $5,000.
Illustration at a common fair-credit APR; your offer shows your rate before you sign. Representative example: $2,500 over 12 months at 35.99% APR is $251.14 a month, $3,013.71 total.
FrontPay vs Chime MyPay
questions
More comparisons on the compare hub.