Cash Advance Apps
How does Dave cash advance work?

How does Dave cash advance work?

By Editorial Team
Last Updated: Nov 13, 2025

Dave’s ExtraCash works like an overdraft cushion. After you join (the app charges a $5 monthly membership) and link a checking account, Dave shows an advance limit from $25 up to $500. Pick the amount you need, add an optional tip if you like, then choose how fast you want the cash: standard delivery is free, instant to a Dave Checking card is also free, and instant to another debit card costs the greater of $5 or 5% of the transfer (capped at $15). The advance lands in your account and appears as a negative ExtraCash balance. On the repayment date you select—usually your next payday—Dave automatically pulls the exact amount back with no interest, late fees, or hard credit check.

How to get a Dave cash advance: step-by-step

Download Dave on your phone and follow these steps:

  1. Sign up: Install the app and create or log in to your Dave account.
  2. Link checking: Connect your main checking account and open an ExtraCash account by answering the quick eligibility questions.
  3. See limit: After a short verification (about 5 minutes), Dave shows the ExtraCash limit you can draw—up to $500.
  4. Pick amount: On the ExtraCash screen choose how much you need and decide if you’ll leave an optional tip.
  5. Choose speed: Select free standard delivery (1–3 business days) or pay a fee for an instant transfer (up to 30 min) to your Dave Checking or debit card.
  6. Confirm: Review the details and hit confirm; the funds land in your account and your ExtraCash balance goes negative.
  7. Repay: Dave auto-withdraws the advance, any express fee and tip on the settlement date you agreed to; once the balance is back to $0 you can request another advance.

Table of contents

How to get a Dave cash advance: step-by-stepAdvance amounts, fees and repayment termsHow long does Dave cash advance take?What do Dave users say about funding speed?

Advance amounts, fees and repayment terms

Advertised advance amounts
$25 - $500
Monthly fee
$5.00
Time to get cash
1–3 business days
Expedite fee
1.5% of the transferred amount
Time to get cash with express fee
Up to 30 minutes

How long does Dave cash advance take?

Approval only takes a few minutes. After that, you pick how fast the cash leaves Dave:

  • Instant to a Dave Checking account: shows up almost right away and is free.
  • Express push-to-debit to another bank card: lands in about 30 minutes (sometimes up to an hour) for a 1.5 % fee.
  • Free standard ACH to your external bank: 1–3 business days.

What do Dave users say about funding speed?

Out of hundreds of App Store reviews posted between September and November 2025, we spotted about 60 fresh comments that talk about how fast Dave sends (or doesn’t send) money. Here’s what users say:

  • Instant funds: The majority report cash landing “within minutes,” “same night,” or otherwise almost instantly once an advance is approved.
  • Same-day fee: Several mention you can pay a small rush fee to lock in same-day delivery; without it, speed can slow down.
  • Slower now: Roughly ten longtime users say payouts or repayment clearing that used to be immediate now sit pending 2–3 business days, delaying repeat advances.
  • Transfer holds: A handful complain Dave holds incoming bank transfers for up to five business days, calling the wait a deal-breaker for “quick cash” needs.
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