Is Dave App Legit?

Positive

5%

Negative

95%

Many users complain about the difficulty in canceling their subscriptions with the Dave app. They report unauthorized charges even after attempting to cancel or delete their accounts, with some mentioning recurring fees that persist despite their efforts. The process to unsubscribe seems cumbersome, with users expressing frustration over unresponsive customer service and prolonged attempts to resolve the issue. The sentiment is overwhelmingly negative, with users feeling trapped by a service they no longer wish to use.

App reviews talking about Subscription Cancellation:

"...the hardest app to unsubscribe from..."

"I’ve unlinked my bank account from this app NUMEROUS times and they are still taking my money!!!!"

"...charged 5$ a month for 2 months to tell me im not eligible for an advance..."

Positive

12%

Negative

88%

Many users complain about Dave's subscription model, describing it as deceptive and costly. A recurring theme is the unexpected $5 monthly fee, which some users claim is charged without their consent or knowledge. This fee is seen as excessive compared to other apps, and users express frustration over being charged even when they don't use the service. Some reviews describe the app as a scam, accusing it of automatically enrolling users in a subscription and making it difficult to cancel. Overall, the sentiment is overwhelmingly negative, with users feeling misled and overcharged.

App reviews talking about Subscription Model:

"...charged my account $5 without my permission..."

"...they automatically enroll you in a monthly subscription..."

"...they will steal money without ur authorization or knowledge..."

Positive

17%

Negative

83%

Many users express frustration with Dave's advertising, feeling misled by promises that don't align with their experiences. A common complaint is the app's claim of offering up to $500 in cash advances, which users say is rarely delivered, with most only receiving $25. Additionally, users report unexpected charges and mandatory bank account linking, which they feel is not transparently communicated. The sentiment is overwhelmingly negative, with accusations of false advertising and deceptive practices being frequent.

App reviews talking about Advertising Accuracy:

"...the ads made it seem I know for a fact there’s no such thing as free money but I really do wish you guys would have told us the truth up to 500 in five minutes or less is not true..."

"...false advertisement!! Read all reviews before thinking about this app..."

"...app did nothing but charge me money instead of providing the extra cash feature so all in all great app if you want the opposite of what it says it offers!"

Positive

19%

Negative

81%

Many users complain about the Dave app's stability, citing frequent login issues, error messages, and connectivity problems. A common grievance is the app's tendency to disconnect from bank accounts or fail to process transactions, leaving users frustrated. Several users report being unable to sign up or log in due to persistent error codes, while others mention that updates often introduce new bugs rather than fixing existing ones. Despite some users finding the app reliable, the overall sentiment is negative, with many expressing dissatisfaction over the app's performance and lack of timely support.

App reviews talking about App Stability:

"...app hardly ever works. Like right now, I am not able to log on..."

"...it keeps giving me error messages anytime I want to do something..."

"...I can't activate my physical card on the Dave app. When I get to the part where it says to add exp date, the screen freezes..."

Positive

28%

Negative

72%

Many users express significant concerns about the security and privacy of their personal information when using the Dave app. Several reviews mention unauthorized access to their bank accounts, with some users reporting that their information was leaked or sold to third parties, leading to unwanted communications and potential identity theft. There are also complaints about accounts being placed on hold for unclear security reasons, with users struggling to get a response from customer support. The sentiment is overwhelmingly negative, with users feeling that their personal and financial information is not adequately protected.

App reviews talking about Security & Privacy:

"...my account has been placed on hold for security reasons..."

"...my information got leaked using them..."

"...beware do not use this app this app is nothing more than a scam designed to steal money from you..."

Positive

30%

Negative

70%

Customer support is reported to be a major pain point for Dave users. Many reviews highlight slow response times, unhelpful automated replies, and a lack of real human interaction. Users express frustration over unresolved issues, such as account access problems, incorrect charges, and difficulties in updating personal information. Some mention that customer service often provides generic responses without addressing specific concerns, leaving users feeling neglected and dissatisfied. Despite a few positive mentions of helpful support, the overwhelming sentiment is negative, with many users advising others to avoid the app due to poor customer service experiences.

App reviews talking about Customer Support:

"...customer service is horrible any way with email chat and especially the phone number it gives you the run around..."

"...customer service is a joke. paid my loan back and it's been 2 weeks and I still can't get another loan..."

"...customer service is terrible! It's always unlinking my bank account and then I can't get my advance paid back..."

Positive

29%

Negative

71%

Many users express frustration with Dave's bank compatibility issues. A common complaint is the app's inability to connect or maintain connections with users' bank accounts and debit cards. Several reviews mention difficulties in updating bank information or adding new cards, often leading to disruptions in accessing funds or repaying advances. Users also report that customer service is unhelpful in resolving these issues, leaving them feeling stuck and unable to use the app effectively. The sentiment is overwhelmingly negative, with users feeling that the app's banking integration is unreliable and cumbersome.

App reviews talking about Bank Compatibility:

"...they couldn't connect with either of my personal bank accounts..."

"When did you guys stop allowing us to send cash app transfers?..."

"...it won't add on my own debit card linked direct to my checking..."

Positive

31%

Negative

69%

Many users express frustration with Dave's repayment terms, particularly the inability to choose or adjust repayment dates. This often results in automatic withdrawals before users' actual payday, causing overdrafts and financial stress. Several reviews highlight that Dave's system assumes pay dates based on past deposits, which can be inaccurate and inflexible. Users also report a lack of responsive customer service to address these issues, leaving them feeling unsupported. While some appreciate the app's quick cash advances, the rigid repayment schedule and lack of flexibility are significant drawbacks.

App reviews talking about Repayment Terms:

"...Dave pulls repayment from your account before your actual payday..."

"...doesn’t allow extensions on repayment date..."

"...you cannot change dates of payback the loan..."

Positive

34%

Negative

66%

High fees are a common complaint among Dave users, with many expressing frustration over the app's fee structure. Users report that advances are often split into smaller amounts, each incurring a separate fee, which can significantly increase the cost of borrowing. Some users mention being charged $5 for each part of a split advance, leading to double or even triple the fees for the same amount of money. Additionally, there are complaints about a $5 monthly inactivity fee and other unexpected charges. While some users appreciate the app's convenience and compare its fees favorably to overdraft charges, the sentiment is largely negative due to the perceived predatory nature of the fees.

App reviews talking about Fees & Costs:

"...they split your available cash advances, no more tipping option but flat out $5 service fee for every advance..."

"...now there's a $1 membership fee needed to even get a payday loan..."

"...they split the same advance up in 2-3 different amounts so they can charge a fee on both parts..."

Positive

35%

Negative

65%

Many users express frustration with Dave's approval process, citing issues with identity verification and inconsistent eligibility criteria. Some users report being unable to open an account or receive advances despite providing all necessary information, while others mention fluctuating loan amounts without clear explanations. The sentiment is largely negative, with users feeling misled by the app's promises and experiencing difficulties in accessing the service they expected.

App reviews talking about Approval Process:

"...they gave me so many issues trying to verify my identity..."

"...I hate the eligibility process. One week you’re eligible for full amount then time comes to pay and you need to borrow again the limit is less..."

"...I can't sign up, my phone number has been mine for 2 years & it's linked with Plaid. you need to change this method, ridiculous!"

Positive

46%

Negative

54%

Opinions are mixed when it comes to the loan amounts offered by the Dave app. Many users appreciate the app for providing quick cash advances, with some noting that their borrowing limits have increased over time as they consistently repay on time. However, a significant number of users express frustration over the fluctuating loan amounts, which seem to change unpredictably even for those with a good repayment history. Some users report that their advance limits have been reduced without explanation, leaving them in difficult financial situations. The inconsistency in loan amounts and the perceived randomness of eligibility criteria are common points of contention.

App reviews talking about Loan Amounts:

"...they fluctuate the amount of money available to you..."

"...increase your loan amount and then drop it out of nowhere..."

"...advance amounts never consistent! Even if a customer for years..."

Positive

81%

Negative

19%

Users praise Dave for its fast funding speed, often highlighting how quickly they receive cash advances, sometimes within minutes. Many find it a lifesaver in emergencies, appreciating the convenience and reliability of the service. However, a few users have experienced delays, particularly when opting for non-instant transfer methods, which can lead to frustration. Overall, the sentiment is positive, with most users satisfied with the speed and ease of accessing funds.

App reviews talking about Funding Speed:

"...money arrives virtually instantly and the repayment fee is, at least IMHO, decent..."

"Needed money fast and worked really good..."

"...you can receive funds within minutes. I would definitely recommend Dave..."

Positive

93%

Negative

7%

Users praise the Dave app for its ease of use, highlighting how straightforward and user-friendly the interface is. Many appreciate the quick and simple process of signing up and accessing cash advances, often receiving funds within minutes. The app is described as reliable and efficient, making it a go-to solution for those in need of quick cash. While a few users mention minor issues, the overall sentiment is overwhelmingly positive, with many recommending the app to others for its convenience and simplicity.

App reviews talking about Ease of Use:

"...Easy to use and did exactly as advertised!"

"Easy to use app and very helpful service."

"...quick and easy to sign up and borrow. Thanks Dave!"

Positive

97%

Negative

3%

Users praise Dave for its reliability, highlighting how it consistently provides financial support during tight situations. Many appreciate the app's ability to deliver cash advances quickly and efficiently, often describing it as a 'lifesaver' or 'clutch' when unexpected expenses arise. The sentiment is overwhelmingly positive, with users expressing gratitude for the app's dependable service and its role in helping them manage their finances more effectively. While a few users mention occasional issues with advance amounts, the overall consensus is that Dave is a trustworthy and essential tool for financial emergencies.

App reviews talking about Reliability:

"...always there when I need it..."

"Dave is always there with the funds I need when I need them..."

"...Totally reliable, quick, easy and worth every once of time!"

Positive

100%

Negative

0%

Users praise the Dave app for its role in financial education, highlighting its ability to help them build credit and manage their finances more effectively. Many appreciate the app's features that allow for automatic bill payments and savings account management, which have helped them stay on track financially. The app is also noted for its non-judgmental approach, providing users with the tools and confidence to handle their financial situations better. Overall, the sentiment is overwhelmingly positive, with users expressing gratitude for the app's support in improving their financial literacy and stability.

App reviews talking about Financial Education:

"...Dave works with you and makes it convenient for you to receive money and understand how to build credit without judgment..."

"...this overall look at my financial life helps me feel in more control of what I can spend, borrow, and save..."

"...Dave was the only one there for me when I needed it most during that difficult time. He never judged me, and taught me to give my self grace..."

How reliable is Dave?

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How much can I get from Dave?

What users say?

Scam reports

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