Is Dave App Legit?

Positive

3%

Negative

97%

Many users complain about difficulties in canceling their subscriptions with Dave, often citing unauthorized charges even after they believe their accounts have been closed. A recurring issue is the persistence of small monthly fees, such as $1 or $3, despite attempts to cancel. Users express frustration with the customer service, describing it as unresponsive or unhelpful, and some feel trapped by a service they no longer wish to use. The sentiment is overwhelmingly negative, with many feeling that the app is more focused on collecting fees than providing a quality service.

App reviews talking about Subscription Cancellation:

"...cancelled my account and still get charged..."

"...cancelled my membership and it still charged my card..."

"...still getting charged after cancelling the subscription..."

Positive

10%

Negative

90%

Many users complain about the misleading advertising of the Dave app. They report that the app promises cash advances and quick access to funds, but in reality, users often face unexpected fees, reduced cash limits, and lengthy wait times. Some users mention that the app requires a membership fee before accessing any cash advance, contradicting the advertised 'no fees' claim. Others express frustration over the app's claim of providing cash advances without credit checks, only to find out that credit checks and direct deposit setups are necessary. Overall, the sentiment is negative, with users feeling deceived by the app's promises.

App reviews talking about Advertising Accuracy:

"...only a few people qualify for the 500 cash that they keep advertising..."

"They make it seem like you will be approved for a certain amount of money but you're not..."

"...the ad say you can sign up and pay no fees and get a cash advance but you cannot unless you pay a membership fee..."

Positive

11%

Negative

89%

Many users complain about the Dave app's stability, reporting frequent crashes, login issues, and app freezes. Several users mention being unable to access their accounts, with some experiencing prolonged periods of inaccessibility. The app's performance seems to have declined over time, with users expressing frustration over unresolved technical issues and unresponsive customer support. A few users note that the app used to work well but has become unreliable, while others are stuck in loops or face errors that prevent them from completing essential tasks. Overall, the sentiment is negative, with users feeling let down by the app's instability.

App reviews talking about App Stability:

"...app just crashes and refuses to open..."

"I can't log in it keeps giving me an error message..."

"...app is extremely slow. Their AI technology is terrible..."

Positive

15%

Negative

85%

Many users express frustration with Dave's subscription model, highlighting unexpected charges and difficulties in canceling the subscription. A recurring complaint is the $3 monthly fee, which some users claim they were not adequately informed about. Several reviews mention being charged even after attempting to cancel or delete their accounts, leading to feelings of being scammed. While a few users appreciate the service for its cash advance benefits, the sentiment around the subscription model is overwhelmingly negative, with many feeling trapped by unwanted charges.

App reviews talking about Subscription Model:

"...they charge pretty high rates for instant transfer and monthly subscription..."

"...they have double charged me, and now they're just taking my money..."

"...they charge $3/mo just to have the account even if you borrow just 1 time, no thanks"

Positive

28%

Negative

72%

Many users express significant concerns about the security and privacy of the Dave app. A recurring theme is the app's access to users' bank accounts, with several reviewers feeling that their financial information is being monitored or misused. Some users report unauthorized charges and difficulties in closing accounts, leading to a sense of vulnerability and mistrust. There are also mentions of the app retaining personal information even after account closure, which adds to the privacy concerns. Overall, the sentiment is negative, with users feeling that their personal and financial data is not adequately protected.

App reviews talking about Security & Privacy:

"...the app tracks every transaction you make. You give full access to this app when you sign up..."

"...this whole app is just a big information stealing headache..."

"...DO NOT DOWNLOAD DAVE! Only five stars so people can see. I downloaded Dave just to check it out because of possibly getting an advanced loan from them..."

Positive

23%

Negative

77%

Many users express frustration with Dave's bank compatibility, citing frequent issues with linking their bank accounts or debit cards. Several reviews mention repeated attempts to connect their accounts, only to be met with error messages or disconnections. Users also report that Dave sometimes misidentifies non-paycheck deposits as regular income, leading to incorrect settlement dates. Additionally, some users are unable to change their bank information when needed, especially if there's an outstanding balance. Overall, the sentiment is negative, with many users feeling inconvenienced and unsupported by customer service.

App reviews talking about Bank Compatibility:

"...every time I try to link my bank account it says 'something went wrong, please try again later or try a different bank account'..."

"...the reconnect bank is very very annoying. I reconnected and added my debit card, verified, went to home screen and says bank connection disconnected..."

"...why does my bank account need to be relinked everyday. I shouldn't have to relink my account multiple times a week..."

Positive

49%

Negative

51%

Customer support for the Dave app receives mixed reviews. Many users express frustration with the lack of effective assistance, often citing interactions with automated responses or unhelpful agents. Common issues include difficulties in adjusting repayment dates, resolving account discrepancies, and obtaining timely responses. Some users report feeling ignored or receiving scripted replies that don't address their concerns. On the positive side, a number of users praise the app for its helpfulness and the support team for resolving issues efficiently. However, the inconsistency in customer service experiences leaves some users dissatisfied and wary.

App reviews talking about Customer Support:

"...customer service is horrible and refused to help..."

"...customer service is non existent..."

"...customer service is spectacular when you call in or chat..."

Positive

48%

Negative

52%

Opinions on Dave's fees and costs are mixed. Many users appreciate the app for its convenience and relatively low fees compared to traditional payday loans, highlighting that it provides a financial safety net without exorbitant interest rates. However, several users express frustration over the app's fee structure, particularly the practice of splitting cash advances into multiple transactions, which results in multiple fees. Some users also mention unexpected charges, such as monthly subscription fees, and difficulties in managing repayment dates, which can lead to overdraft issues. While some find the fees reasonable and the service helpful, others feel the costs are too high and the fee policies are not transparent.

App reviews talking about Fees & Costs:

"...the fees are too high, you dont get the full amount offered at first..."

"Fees are reasonable and fair..."

"...the fees are really low."

Positive

57%

Negative

43%

Many users express frustration with Dave's repayment terms, particularly the timing of repayment dates. A common complaint is that the app often schedules repayments before users' actual payday, leading to overdraft fees and financial strain. Some users wish for more flexibility in choosing repayment dates or the option to pay back in installments rather than a lump sum. Despite these issues, some users appreciate the app's convenience and the ability to access funds quickly, though they note the repayment period is often too short. Overall, while the app is helpful in emergencies, the repayment terms can be challenging for many users.

App reviews talking about Repayment Terms:

"...Dave will set up a payment plan for your extra cash and make it due before you actually get direct deposit again..."

"I wish they did more payment arrangements last few times I tried to do a payment arrangement they told me no..."

"...they request repayment two days before I get paid again..."

Positive

65%

Negative

35%

Opinions are mixed when it comes to the approval process for the Dave app. Many users appreciate the quick and easy approval, often receiving funds within minutes, even with less-than-perfect credit. However, some users face challenges, such as verification issues or inconsistent approval amounts, despite maintaining a good repayment history. While some praise the app for being a reliable financial lifeline, others express frustration over denied advances and unhelpful customer support.

App reviews talking about Approval Process:

"...Took 7 minutes to sign up and link ur bank. As long as you have consistent income they will see it and approve you."

"...I was accepted the same day with a 500 credit score and was offered up to $300..."

"...I have my direct deposit sent to this app every 2weeks a good amount and it says I am qualified for a 600 cash advance but I am very upset that when I try to get it gives me an error..."

Positive

75%

Negative

25%

Users generally appreciate the Dave app for its ability to provide quick cash advances, especially in emergencies. Many users highlight that the loan amounts increase over time with consistent, on-time repayments, which is a significant advantage for those needing financial flexibility. However, some users express frustration over the inconsistency of loan amounts, noting that their borrowing limits can fluctuate without clear reasons, even when they maintain a good repayment history. Despite these fluctuations, the overall sentiment is positive, with many users finding the app reliable and helpful in managing short-term financial needs.

App reviews talking about Loan Amounts:

"...advances were initially minimal and increased over time..."

"...the more you pay back on time they raise your ability to get $500.00..."

"...the amount you are able to borrow increases each time you borrow..."

Positive

76%

Negative

24%

Users praise Dave for its ability to save them from overdraft fees, highlighting the convenience of cash advances between paychecks. Many appreciate the app's role as a financial safety net, allowing them to cover unexpected expenses without incurring bank fees. However, some users express frustration with the timing of repayments, which sometimes occur before their actual payday, leading to unintended overdrafts. Overall, the sentiment is positive, with users valuing the app's utility despite some concerns about repayment timing.

App reviews talking about Overdraft Protection:

"...Dave has saved me so much money in overdraft fees it’s unreal..."

"...this app has seriously come in handy when ive had bills or unexpected fines come up..."

"...the $100 cash advances have saved me from overdraft fees multiple times..."

Positive

88%

Negative

12%

Users praise the Dave app for its Auto Advances feature, highlighting its reliability in providing quick cash when needed most. Many appreciate the convenience of having funds available before payday, with some noting that the app automatically deducts repayments from their next paycheck, making the process seamless. However, a few users express frustration over the timing of these deductions, which sometimes occur before their paycheck is deposited, leading to overdraft fees. Overall, the sentiment is positive, with users finding the app to be a helpful financial tool in times of need.

App reviews talking about Auto Advances:

"...it automatically takes out out of your next pay check and once you pay back you're able to get cash again!"

"Dave is right on time when you need quick help with bills..."

"...Dave app is cool I can get decent money very quickly. It WILL Automatically retrieve payment the day you get pay so be aware"

Positive

94%

Negative

6%

Users praise Dave for its effective budgeting tools, highlighting how it helps them track expenditures and manage finances. Many appreciate the app's ability to assist in saving money and setting savings goals, which is particularly beneficial during financial emergencies. The app's features, such as the option to take advances in parts, are noted for enhancing budgeting flexibility. While most reviews are positive, a few users mention the need for improved customer support and integration with other financial accounts to enhance budgeting capabilities.

App reviews talking about Budgeting Tools:

"...helps me stay on track on my bills!!!!"

"Dave is great they watch out for your spending help you put money aside..."

"...helps track my spending."

Positive

95%

Negative

5%

Users praise Dave for its quick and reliable cash advances, often highlighting how the app provides funds when needed most. Many reviews mention the speed of receiving money, with some users noting that funds are deposited within minutes. The app is appreciated for its ease of use and straightforward process, making it a go-to solution for emergencies or when money is tight. While some users mention fees, they generally consider them reasonable compared to other services. Overall, the sentiment is positive, with users expressing gratitude for the app's timely assistance.

App reviews talking about Funding Speed:

"...very quick, easy... and helpful! saved me big time when I needed it most."

"Fast. The fees are more than fair."

"...fast, reliable and easy to use. The only downside is if you don't have a consistent paycheck the amount available can go down but other than that it's been a Godsend some weeks."

Positive

97%

Negative

3%

Users praise the Dave app for its ease of use, highlighting its straightforward and user-friendly interface. Many appreciate how quickly they can access funds, often describing the process as fast and hassle-free. The app is frequently described as reliable and convenient, especially in times of financial need. Users also value the app's ability to increase borrowing limits with consistent use, which adds to its appeal. Overall, the sentiment is overwhelmingly positive, with users expressing gratitude for the app's simplicity and effectiveness in providing financial assistance.

App reviews talking about Ease of Use:

"...easy to use, helps out with unexpected expenses..."

"Easy to use and reliable."

"...easy to use and the customer support is top notch."

Positive

96%

Negative

4%

Users praise Dave for its role in financial education, highlighting its ability to help manage finances, save money, and build credit. Many appreciate the app's straightforward tools and advice that guide them towards better financial habits. The app is often described as a reliable companion during financial crunches, offering features like savings goals and credit-building opportunities. While some mention the fees, the overall sentiment is positive, with users finding value in the financial literacy and support Dave provides.

App reviews talking about Financial Education:

"...an Excellent Source For Financial Help, Goals and Literacy, Very Easy To Understand & Use..."

"...helps build my credit and when I need it, the extra cash is there..."

"...especially if you're learning to be financially responsible! 5 out of 5..."

How reliable is Dave?

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How much can I get from Dave?

What users say?

Scam reports

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