Dave App Review: 13 Reliable Instant Apps Like Dave To Get Cash Advance

Cash Advance Apps Like Dave

With over 10 million members and counting. The Dave app is a banking app with a single goal: to provide a financial opportunity that will help its users’ collective potential. The banking software was created when three friends became dissatisfied with their banking experience, which included frequently incurring overdraft penalties and never knowing how much money they had left before payday.

Dave, an innovative, resourceful, helpful, and decent banking app give its customers a paycheck advance to cover little bills such as gas, groceries, or other small expenses. It also has a “spending account” that doesn’t impose overdraft or low-balance fees while also allowing customers to keep track of their monthly cash flow and avoid overdraft fees.

Dave has reinvented many other areas of finance including, income creation, un-bounceable checks, and more. I can say the real selling point of the dave app is that you can get paid up to two days early, build your credit in the process and Instead of interest, Dave charges a monthly subscription fee, plus the average user is said to save more by using Dave.

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So, without giving too much time away, let’s get into knowing more about this app for money lending and credit building, By providing answers to most of the FaQ regarding the Dave app.

dave app review for cash advance
dave app review

Is Dave App A Bank?

Dave is a mobile-friendly checking account that some people would regard as a viable alternative to a standard bank account. Remarkably, the account doesn’t impose overdraft fees while still allowing you to pay your bills online yet sends checks on your behalf, all for free of cost.

With the dave app You can deposit paychecks, unemployment benefits, stimulus payments, and tax returns directly into Dave Banking. Dave partnered with LevelCredit to help customers like me and you build our credit just by paying rent and utilities on time.

Is Dave App Legit?

Dave app is a legitimate banking app that provides cash advances to its members to help them avoid bank overdraft fees. Dave has a 4.6 out of 5 review score on appgroovesOpens in a new tab., an app rating platform, so you can be assured that Dave app is not only beneficial but legit enough to use them.

Is The Dave App Trustworthy?

If you’re wondering if your money is safe with Dave, look no further. If you carefully analyze the security features Dave has in place for customers, it’s acceptable to declare that yes, your money is safe with the Dave app, What this means is that they are trustworthy.

How To Use Dave App?

The qualifying requirements for using the Dave app are simple: you must have a consistent income that you direct deposit into a bank account, and you must be able to demonstrate that your bills do not consume your entire paycheck by having some extra money left over each month.

What Banks Does Dave App Accept?

The Dave app only works with their partner bank, Evolve Bank & Trust, because this bank offers Federal Deposit Insurance Corp (FDIC) insurance.

How Long Does Dave App Take To Deposit Money?

Money deposit on Dave app is instant. Although deposit could be delayed due to holidays, However Funds transferred through your debit card will generally appear in your Dave Spending Account immediately or at most within an hour.

Can I Use Dave App With Chime?

Yes, you can link your Dave app to your Chime account. There appear to be no issues for people who bank using Chime with Dave.

Can I Use Dave App With Unemployment?

Yes, you can use the Dave app with unemployment. However, In order to qualify for an advance, the system will need to see at least two recent, matching, and regularly scheduled direct deposits to be able to verify your income.

Here are the steps on how to add your income:

  • Click on the calendar icon on the right-hand corner of the home page
  • Select + Add New
  • Choose your unemployment benefits from the Deposit history list provided
  • Enter your pay schedule and click Confirm Pay Schedule

Can You Cancel Dave App Subscription?

The Dave app plan can be canceled at anytime and here is how to cancel dave app plan:

  • Log into the Dave app and head to the ‘Account’ tab.
  • Under Dave Membership click ‘Manage Membership.
  • Next, you want to Click ‘Manage Dave Membership’ located at the bottom.
  • Then select ‘Cancel my membership’ and complete the steps.

And now you have successfully just canceled the Dave app subscription.

Is Dave App Free?

Dave app is only free for the first month which is called the trial month, after which you are charged a monthly fee of $1 to use the app, The $1 fee is deducted from your linked bank account each month.

This is considerably cheap when compared to what other banks charge every month via overdraft or whatever.

Does The Dave App Really Give You Money Instantly?

It may take up to three business days to receive your money with the standard option which is free. While the express option on the other hand allows you to get your money the same day, you must pay a “small” fee, which Dave doesn’t specify on its website how much that fee is.

How Do Apps Like Dave Make Money?

Dave, founded in 2016, has grown to become one of the largest FinTech firms in North America, with over 10 million customers and counting. The platform earns money through membership fees, user donations, interchange fees, and referral payments.

Is Dave App Down?

No, the dave app is not down, if you are however facing difficulty trying to access the mobile banking app. Ensure you are connected to the internet and your connection is strong enough to power the app, Hence you can contact their standby customer service to assist you.

 Cash Advance Apps Like Dave
Dave App Review 13 Best Instant Cash Advance Apps Like Dave

Are There Apps Like Dave?

Everyone who has used the Dave app even once wonders, “Are There Other Apps Like Dave?” Yes, there are hundreds of apps like Dave available; what are apps like Dave, you may ask? In the next sections, I will lead you through a list of trustworthy money apps like Dave.

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List Of Instant Cash Advance App Like Dave

Despite its popularity and utility, the Dave app may not be ideal for everyone. For whatever reason, you may want an instant lending money app that does not require you to wait three days for processing time when you are in desperate need of money or an app that allows you to demand more than a $100 payday advance. You may also not want to have to pay monthly membership fees to qualify for an advance.

Whatever your reason(s) might be, Since there are numerous apps similar to Dave that allow you to obtain a higher amount of cash advance and credit you promptly. Your purpose for seeking other Dave app alternatives is understandable.

In this section of the post, we will both look at some of the top advanced cash apps like Dave that are eager to give you a rescue whenever you need an urgent financial boost.

1. Earnin

Earnin - instant cash advance app like dave
Earnin – instant cash advance app like dave

Earnin is a financial money advance app like dave that lets you use your next salary as collateral to get money advance which is credited to your bank on the same day. Earnin works by automatically deducting the amount you borrow from your checking account on your next payday.

The company’s business model is based on users paying voluntary “tips” to withdraw earned wages ahead of time. To use Earnin, you’ll need a steady payday, a checking account, and a smartphone, Plus it is available for salaried, hourly, or on-demand employees.


  • Doesn’t include any membership fees.
  • Instant money lending.
  • supports tipping instead of fees
  • Up to $500 borrow per pay period.
  • Does not affect credit scores.


  • Your income determines what you can lend.
  • The withdrawal limit is low.
  • Freelancers, remote workers, can not use the app.

Visit EarninOpens in a new tab.

Download App (AndroidOpens in a new tab.iPhoneOpens in a new tab.)

2. Brigit

Brigit - apps that lend you money like dave
Brigit – apps that lend you money like dave

The Brigit app is free to use apps to borrow money like dave that provides small-dollar paycheck advances of up to $250. Brigit doesn’t charge interest on the loan itself, but you will have to pay a hefty monthly membership of $9.99 if you are looking to upgrade to the Plus plan, which comes with the budgeting and account monitoring tools to help keep your finances on track.

The interesting thing about Brigit is that it not only analyzes your spending, But it will automatically advance you money if it thinks you’re in danger of overdrawing your account. Also, Brigit also offers early repayment options, as well as due date extensions.


  • Works with more than 15,000 US banks.
  • Offers paycheck advances of up to $250.
  • Do not share or sell your information with third parties.
  • Free account monitoring and access to budgeting tools.
  • Helps prevent overdraft charges.


  • $9.99/month membership plan (which is expensive).
  • Do not allow joint checking accounts.

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Download App (AndroidOpens in a new tab.iPhoneOpens in a new tab.)

3. MoneyLion

MoneyLion - money apps like dave
MoneyLion – money apps like dave

MoneyLion is a private fintech company similar to Dave app that offers lending, financial advisory, and investment services to consumers. MoneyLion offers credit-builder loans at low-interest rates, but you have to pay a membership fee, which adds to the overall cost of the loan.

Moneylion allows you to borrow up to $500 at APRs as low as 5.99 percent. The most significant advantage is that you do not need a credit check to be accepted. They also give consumers an instant $1 cashback every time they log into the MoneyLion app. Furthermore, you have the opportunity to earn cash rewards based on the amount of your investment account.

With their Instacash option, you can get up to $250 at 0% APR. Unlike other payday loan providers, MoneyLion does not require you to repay your loan as soon as possible in order to avoid interest charges.

Moneylion will disclose your payment history to all three credit bureaus as you make your monthly payments. This allows you to develop your credit score.


  • No monthly fee No overdraft or service fees.
  • Access to 55,000+ fee-free ATMs.
  • No credit score check.
  • Provide tools to help you track your savings and spending.


  • No physical locations.
  • No check-writing.

Visit MoneylionOpens in a new tab.

Download App (AndroidOpens in a new tab.iPhoneOpens in a new tab.)

4. Branch

Branch app - cash advance apps like dave
Branch app – cash advance apps like dave

Branch is one of the world’s leading personal finance apps like Dave that provides access to instant loans with no physical documentation. The app allows you to request an advance on your paycheck, which is a lower-cost alternative to cash advance apps like dave. Branch asks you to tip them instead of paying traditional interest for the advance.

You can get the max amount of $500 cash advance and it gets to arrive the same day there is a $3.99 charge for it unless you want the 3-day option which comes at no cost. There are no hidden charges. You just need to ensure that you make your loan repayment once it’s due to avoid having issues with the credit bureau.


  • Same-day availability option.
  • No interest or membership fees.
  • Up to $500 advance cash.


  • Might end up on a waitlist.
  • You only get advance based on previously worked hours.

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Download App (AndroidOpens in a new tab.iPhoneOpens in a new tab.)

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6. Chime

Chime - apps like dave without direct deposit
Chime – apps like dave without direct deposit

If you want a banking app like Dave without direct deposit,  Chime has your back all day. With security features such as two-factor authentication, TouchID, or FaceID on chime, your money is safe and secure. Users can overdraft up to $200 fee-free, and get paid up to 2 days early with direct deposit. There are no monthly fees required.

Customers are charged a loading fee of $3.50-$4.95, and they will be limited to loading their card three times in a 24-hour period with a maximum deposit of $1,000. When you make a purchase, the Chime app provides you a daily account balance reminder as well as a transaction alert.


  • Works without direct deposit.
  • provides fee-free online banking services.
  • No interest or monthly fees requirement.
  • Sends you daily acct balance notifications.


  • There is a $3.50-$4.95 loading fee.
  • There is a limit to what you can load daily.
  • Difficult to make cash deposits.

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Download App (AndroidOpens in a new tab.iPhoneOpens in a new tab.)

7. Even

Even.com loan apps similar to dave
Even mobile banking app

Even is an app similar to dave app for money, you can download that gives you early access to up to 50% of your earnings before your next paycheck. So you can organize and budget your money based on your expenditures and costs, and save money before your paycheck arrives in your bank account.

Currently, the Even app is exclusively available to employees of firms that have collaborated with Even and offer this product as a bonus to their employees. There is a non-fixed  APY of 0.125 percent, compared to the national rate of 0.06 percent. You can connect your bank account in a few simple steps, and Even does its part in terms of security by using 256-bit encryption to keep your information safe from hackers.


  • There are no fees or charges.
  • Secured with 256-bit encryption.
  • has an interesting APY of 0.125%.
  • access to up to 50% of the amount you’ve earned.


  • Not available for the general public.
  • Your employer determines how many cash advances you can take.
  • You may have to pay a monthly subscription plan.

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Download App (AndroidOpens in a new tab.iPhoneOpens in a new tab.)

8. Axos Bank

Axos Bank - money advance apps like dave
Axos Bank – money advance apps like dave

Axos Bank is a full-service online bank with checking, savings, and money market accounts, as well as certificates of deposit (CDs), loans, and investment options. Headquartered in San Diego, California. The bank has three branches in Las Vegas, Nevada;, and Columbus, Ohio.

You can earn up to 1.00% APY using the Rewards Checking of Axos Bank, which is a tiered interest rate account and it’s easy to open, with only a $50 minimum deposit required. The online institution offers rewards on checking, as well as ATM fee reimbursements and a solid APY on savings.


  • No Overdraft Fees.
  • No monthly maintenance fees.
  • No minimum balance requirements.
  • Daily interest is accumulated.


  • Average certificate of deposit rate.
  • No Physical Branches.
  • Lower Savings Rates.

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Download App (AndroidOpens in a new tab.iPhoneOpens in a new tab.)

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9. Empower

Empower - apps like dave that work with chime
Empower – apps like dave that work with chime

Empower is a personal finance app that helps you take control of your money. When you tell empower how much you want to save each week, they automatically set it aside when they notice an excessive amount of cash available.

For quick cash, Empower offers cash advances of up to $250, with same-day delivery if you have an Empower checking account. The app monitors your spending and determines when to move small amounts of money over to ensure you meet that weekly goal.

You can fund your empower account via; Direct Deposit, Bank Transfer, Mobile payment service apps, and Cash and Check Deposits. On the other hand, Empower charges an auto-recurring monthly subscription fee of $8 after the 14-day free trial concludes for first-time customers, which can be canceled any time.


  • Get up to $250 at a go.
  • same day money delivery.
  • Various funding processes.
  • automatically set aside for you when they detect you’ve got excess cash.


  • Re-curring monthly fee charge of $8.
  • Only 3 ATM reimbursements per month.
  • Low APY (0.05%), especially for a digital-only app.

Visit EmpowerOpens in a new tab.

Download App (AndroidOpens in a new tab.iPhoneOpens in a new tab.)

10. Albert App

Albert - cash apps like dave
Albert – cash apps like dave

Albert is an all-in-one financial app like dave that works with chime. This app assists you in saving money, consolidating all of your accounts into one location for a 360-degree picture of your financial life, lowering your costs, providing financial assistance, developing a tailored financial plan, and even guiding you in investing your money.

Albert can assist you with a fast cash advance of up to $100 directly from your bank account, with no interest or late penalties, and the transfer will be executed within 2-3 business days. Albert savings are maintained in FDIC-insured institutions, providing a sense of security.


  • No hidden interest or monthly service fees.
  • Works with chime.
  • Repayment is handled automatically.


  • Low APY as compared to other loan apps like dave
  • $4 monthly fee for the optional Genius subscription.
  • No joint accounts.

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Download App (AndroidOpens in a new tab.iPhoneOpens in a new tab.)

11. PayActiv

Payactiv - dave app to borrow money
Payactiv – dave app to borrow money

When it has to get cash advances, Payactiv is Undoubtedly one of the best apps like dave and earnin. PayActiv is a financial services company that partners with companies to provide employees with financial services by providing staff an “advance” on wages for which they’ve already worked, but for which they have not yet been paid.

The dave app alternative does not give out loans rather it gives employees an advance on their own earned wages for a “per transaction fee” of $5.00. Once you enroll and log in to your PayActiv account, you will see the hours you have already worked and the amount of your earned wages that are accessible.

To get an advance, You can select the amount you need and transfer it to your bank, load it on a prepaid card, get it as cash, or pay bills with it—all with a few clicks. Transfers to the Payactiv Card are instant 24/7/365. Transfers to bank accounts and other debit/prepaid cards are completed within 48hrs.


  • Allows immediate access to earned wages prior to payday.
  • no setup or recurring fees to employers.
  • Offers multiple financial services.
  • Charges a low fee for Earned Wages Access.
  • Users can access up to 50% of wages.


  • You are restricted if your company is not enrolled with Payactiv.
  • Potential program fees of up to $5 per pay period.
  • Payactiv card is required for instant funding.

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12. DailyPay

dailypay - apps like dave and albert
dailypay – apps like dave and albert

DailyPay is the app you can trust if you are in for an instant cash advance app like dave that can help you solve urgent financial needs without having to pay hefty overdraft fees or higher interest fees. With DailyPay, you can get an advance on your earnings before your next payday and save over $1,205 in overdraft fees, loan interest, and late fees.

DailyPay charges a $1.99 transfer fee per day after the money is earned, and your transfer arrives instantly no matter what day or time it is. However, if you request a transfer before 5:30 p.m. ET, you will receive your money on the next business day.

If you did not make any transfers, you will receive your entire paycheck on your normal payday. For sending leftover pay, DailyPay will never charge a transaction fee.



  • You can get your paycheck daily, no need to wait.
  • Can be used to set up different kinds of automatic transfers.
  • you can access about 50% of your paycheck as you earn it/before your actual pay day.
  • No transaction fee charges for sending of remainder pay.


  • Charges $2.99 for instant transfer.

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13. FloatMe

FloatMe - apps like dave and earnin
FloatMe – apps like dave and earnin

FloatMe is a cash advance app like Dave and Albert that allows users to borrow up to $50 between paychecks. There are no credit checks or interest charges, and you can have the money you need in as little as a few minutes. However, in order to use the FloatMe app, you must pay a subscription fee.

The instant loan app functions as an employer-sponsored program that allows employees to withdraw a portion of their earned income prior to payday. Once signed up, you pay a membership fee of $1.99 per month, but you can unsubscribe at any time if you no longer want FloatMe’s services.

The sign-up procedure is straightforward, and they partner with Bank of America, Wells Fargo, Chase, Navy Federal Credit Union, and over 9,600+ banking institutions to make the process as smooth as possible. Additionally, FloatMe uses standard 256-bit encryption to keep your data private, which makes the app very secure.


  • Helps out in emergency situations.
  • Low monthly subscription fee and no interest fee.
  • Funds credited within minutes.


  • Maximum cash advance of $50.
  • Paycheck direct deposit required.
  • Does not build a credit score.

Visit FloatMeOpens in a new tab.

Download App (AndroidOpens in a new tab.iPhoneOpens in a new tab.)

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Conclusion On Apps Like Dave To Borrow Money

The instant money apps like dave discussed in this post, are all available on the iOS App Store or the Google Play Store. Before you start using any of the apps to borrow money, be sure to look at numerous possibilities, thoroughly compare their features, and choose the one that works best for you and your needs.

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