Cash Advance Apps
What is Dave cash advance?

What is Dave cash advance?

By Editorial Team
Last Updated: Nov 13, 2025

Dave’s ExtraCash advance lets you borrow $25 – $500 in roughly five minutes with no interest or credit check. The money lands in a Dave Checking account instantly for free, or you can send it to another debit card in about an hour for a 1.5 % fee (standard ACH to an external bank takes 1-3 business days and is free). You pick the repayment date, and Dave auto-drafts the money back—up to two advances can be open at once, and you can “Recharge” for another advance 24 hours after the first.

Using ExtraCash requires a $5 monthly Dave membership. While there are no finance charges, you could pay a $5 or 5 % fee if the advance drives your Dave Checking balance negative and isn’t repaid quickly.

Eligibility is pretty typical: be at least 18, have a U.S. checking account that’s been active for 60 days, show at least three recurring direct deposits totaling $1,000+ per month, and keep your account mostly in the black with no outstanding Dave advances. Dave—based in Los Angeles and partnered with Evolve Bank & Trust—says the service has helped 4 million-plus members get quick cash.

Does Dave give cash advances?

Yes. Dave’s ExtraCash feature lets qualified members snag an interest-free advance of $25–$500. The $5/month membership unlocks the service; there are no mandatory tips or finance charges. Money shows up right away in a Dave Checking account at no cost, or you can send it to another bank for free in 1–3 business days (need it faster? an express debit-card transfer lands in about an hour for a 1.5 % fee). You pick the pay-back date—Dave usually targets your next payday and automatically pulls the balance then, with a hard 60-day window to clear it. Keep the account negative and Dave adds a $5 or 5 % overdraft fee, but if things go smoothly you just repay what you borrowed. Two open advances at a time are allowed, and you can “recharge” 24 hours after the first one’s funded.

Table of contents

Does Dave give cash advances?Advance amounts, fees and repayment termsDave cash advance requirementsOther features

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

Dave cash advance requirements

  1. Age & residency: Be a U.S. resident, at least 18 years old, and verify your identity with a Social Security or Tax ID number.
  2. Bank history: Link a checking account that’s been open and active for 60+ days and normally stays in the black.
  3. Regular income: Show at least three direct deposits each month that together total $1,000 or more.
  4. Dave accounts: Keep a Dave Checking account and the linked ExtraCash deposit account open.
  5. Good standing: Have no late or outstanding ExtraCash balances.
  6. Healthy habits: Maintain consistent income and responsible spending; Dave reviews your transactions every day.

Dave updates your limit daily based on these factors, and you won’t face a credit check.

Other features

On top of the ExtraCash advances, Dave offers a handful of everyday banking and earning tools you can use year-round.

Dave Checking

This mobile, FDIC-insured account gets ExtraCash advances instantly and lets you spend them right away with the Dave debit Mastercard. Direct deposits can show up up to two days early, balances earn 4.00% APY, there are no minimum-balance fees, and cash is free at more than 40,000 MoneyPass ATMs. A built-in Round-Up feature also sweeps spare change from purchases into savings automatically.

Goals savings spaces

If you want to set money aside for specific targets, you can open separate “Goals” sub-accounts. Each one also earns 4.00% APY, supports automatic or one-off transfers, and shows real-time progress so you always know how close you are to hitting each goal.

Side Hustle & Surveys

Inside the app you’ll find a marketplace with 1,000+ local, remote, gig, and part-time jobs plus quick in-app surveys. Any earnings you pick up land straight into Dave Checking, so they’re ready to use or move to savings immediately.

24/7 money-management alerts

Dave tracks spending in real time, predicts upcoming bills, flags low balances, and watches for suspicious activity. Customizable budgets and settlement-threshold reminders help you keep tabs on cash flow and avoid overdrafts before they happen.

Need a cash advance?