How does Dave cash advance work?

Download the Dave app and follow these steps:

1. Link bank account: Securely connect your bank account to the Dave app.
2. Open ExtraCash™ account: Set up an ExtraCash™ account within the app.
3. Provide info: Answer basic questions (no credit check required).
4. Check your limit: See how much ExtraCash™ you qualify for, up to $500.
5. Choose amount: Select the amount you want to advance.
6. Transfer funds: Transfer the funds to your account:
   • Instantly to your Dave Checking account.
   • Or to a different debit card within an hour for a small fee.
7. Set repayment date: Agree on a settlement date to repay the amount.
8. Automatic repayment: On the settlement date, the app will automatically collect repayment.
9. Repeat if needed: Once repaid, you can request more ExtraCash™.

You’ll usually get your ExtraCash within 1–3 business days with the free standard transfer.

Need it quicker? Choose express delivery:

• Instantly to your Dave Checking account: free
• Within an hour to an external debit card: 1.50% of the amount

Out of hundreds of reviews published in June and July 2025 that we analyzed, we found 100+ recent comments mentioning funding speed. Here's what users say about it:

• Fast for most: Over 90 users rave about how quickly they received cash from Dave—often calling it "instant", "fast", or "within minutes". Many highlight that the app helped them out in a pinch when they needed money urgently.
• Delays for some: About 15 users express frustration over delays—some mention waiting days to receive funds or for repayments to process. A few note that the service has slowed compared to earlier experiences, with longer settlement times.

Overall, most users are pleased with Dave's quick funding, though a notable minority have encountered delays impacting their experience.