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lets talk about the 10 quick easy loans like Spot Loan and its one of those things where we want to talk about Spot Loan Alternatives heres a review I want you to pay attention to so the very first uh letter I want you to really pay attention to is Chim and this is an alternative for overdrive feature so you have the chime spot me and when you when we talk about Chim chime spot me were talking about AER thats really fast and Chim doesnt offer loans but if your main concern is having to pay overdraft fees each month this own online bank may have a solution for you so Chimes spot me is actually a no fee overdraft feature that provides up to $200 so that thats actually the limit they provide up to $200 to cover overdrafts to your chime checking account but to qualify you need to make a monthly direct deposit of $200 or more into your Chim checking account and activate your Chim debit card you got to activate the debit card otherwise uh it wouldnt work and spot me only covers overd