How does Dave cash advance work?

Download the Dave app onto your device and follow these steps:

1. Sign up: Register an account within the app.
2. Link bank account: Securely connect your bank account to Dave.
3. Open ExtraCash™: Open an ExtraCash™ account and answer basic questions to determine your eligibility.
4. Check eligibility: See how much ExtraCash™ you qualify for with no credit check.
5. Request advance: Choose the amount you'd like to borrow (up to $500).
6. Get funds: Transfer the money to your account; you can opt for instant transfer to a Dave account or transfer to a different debit card for a small fee.

You can expect to receive your cash advance from Dave within 1–3 business days with the standard transfer option. If you need the money sooner, you can opt for the express transfer, which typically delivers funds in as little as 1–5 minutes, but it can take up to an hour. The express delivery fee varies based on the amount advanced and the delivery method; for advances up to $25, the fee is $3. Additionally, there's a 1.5% fee if you transfer funds to an external debit card.

Out of hundreds of reviews published in April and May 2025 that we analyzed, we found 50+ recent comments mentioning funding speed. Here’s what users say about it:

• Fast and convenient: Many users appreciate how quickly they received cash advances—often within minutes. They mention that the app is easy to use and a lifesaver when in need of immediate funds.
• Processing delays: Some users report delays in funding and repayment processing. They note that it can take several days to receive funds or to have repayments processed, which affects their ability to access new advances.

Overall, while most users find Dave’s funding speed to be quick and reliable, a number of users experience delays that can be frustrating when urgent cash is needed.