By Editorial Team
Last Updated: Jun 13, 2025
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Dave is a cash advance app that lets you access up to $500 with no credit checks, interest, or late fees. Instead, they charge a monthly membership fee of up to $5.00 to use features like ExtraCash™, income opportunities, and financial management tools.
To get a cash advance with Dave, you need a bank account with at least a 60-day history and three recurring deposits. You'll also need to show consistent income and healthy spending habits. The amount you can borrow depends on your income history, spending patterns, and account balance.
Dave is based in Los Angeles and claims to have helped over 4 million members with ExtraCash™ since 2017, saving users over $2.0 billion in overdraft fees.
Yes, Dave offers cash advances up to $500 through their ExtraCash™ program if you're on their monthly membership plan, which costs up to $5. While there are no interest charges or late fees, they do have a fee - the greater of $5 or 5% of the amount you borrow. You'll need to repay the advance on your next payday, and they'll automatically deduct the funds from your account. Standard delivery is free and takes 1 to 3 business days, but if you need the money sooner, you can opt for express delivery (1 to 5 minutes) for an extra fee ranging from $3 up to $25, depending on the amount.
To qualify for a cash advance with Dave, you need to meet the following criteria:
Dave evaluates your eligibility daily based on your income, spending habits, and account history to determine your cash advance amount.
In addition to cash advances, Dave offers several other features that might help you manage your finances.
Dave provides a fee-free checking account with no monthly fees or minimum balance requirements. With the Dave Debit Mastercard®, you can access your funds easily and use it for everyday spending. If you set up direct deposit into your Dave Checking account, you can receive your paycheck up to two days early, giving you quicker access to your earnings.
If you're looking to save, the Goals account offers a variable interest rate up to 4.00% Annual Percentage Yield (APY). There are no minimum deposit or balance requirements, so you can start saving any amount that fits your budget. You can set up recurring deposits to build your savings over time or make one-time deposits whenever you choose.
Dave helps you find ways to earn extra income through the Side Hustle feature in the app. You can explore over 1,000 opportunities, including part-time roles, gig jobs, and remote work that match your skills and interests. Additionally, you can take surveys directly in the app and receive immediate payouts to your Dave Checking account, providing quick and easy ways to earn a little extra cash.
The Dave app offers budgeting tools that let you connect your bank accounts to track your income and expenses. You'll get estimates of upcoming bills and expenses, helping you plan ahead and avoid surprises. The app also provides credit insights, offering tips and information to help you monitor and improve your credit health. With personalized alerts, you'll be notified about potential insufficient funds and reminded to request an advance when needed.