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Apps like Dave

Need a bigger cash advance or free instant transfers? Compare these other options instead.

Dave is an app that helps you budget and avoid overdraft fees by providing small cash advances, regardless of the hours you’ve worked or what company employs you. And while it has a membership fee, you only have to pay $1 a month — much lower than other cash advance apps out there.

But you’ll have to wait up to three days for standard delivery unless you pay $1.99 for an instant transfer and you can only borrow up to $500 per pay period. You also can’t extend your repayment date if you’re stretched thin.

Not sure Dave is right for you? Check out these other cash advance apps instead.

Our 5 top picks for apps like Dave

For no-fee advances


Brigit charges a $9.99 monthly membership fee, but unlike Dave, offers free instant transfers with a linked debit card. You also have the ability to extend your due date if you can't make your repayment, and there's no obligation to tip. However, you'll pay $120 a year in membership fees versus only $12 a year for Dave. But the trade-off may be worth it if you make multiple instant transfers every month.
  • Available in all states
  • Up to $250 per pay period
  • No interest charges or obligation to tip
  • Due date extensions available
  • Analyzes spending habits to avoid overdrafts
  • Pricey $9.99 monthly membership fee
  • Funding may take up to two business days
  • Stringent eligibility requirements
Loan amountUp to $250
Interest rate typeFixed
Loan TermVaries
Turnaround time1 to 3 days or same-day in some circumstances

For higher advance amounts


Earnin lets you borrow up to $100 per day or $500 per pay period — double the amount of Dave — but this depends on the hours you've already worked. The normal transfer time to your bank account is one business day or within minutes if you qualify for its Lightning Speed program. There are also no fees or tipping required to use Earnin, saving you $12 a year in fees compared to Dave.
  • Available in all states
  • Cash advances of up to $500 per pay period
  • No fees, interest or obligation to tip
  • Instant access to funds with Lightning Speed program
  • Balance Shield program helps you avoid overdraft fees
  • Advance limited to hours you've already worked
  • Must have regular work hours
  • Must upload your work schedule or enable location services
Loan amountUp to $500
Interest rate typeFixed
Loan TermVaries
Turnaround time2 to 3 days, or instant with Lightning Speed

For boosting your credit

Possible Finance Mobile Installment Loans

Possible Finance offers installment loans, which are expensive compared to apps like Dave. You'll pay from $15 to $20 per $100 borrowed, but same-day funding may be available if you have a Visa debit card. What makes Possible Finance different is that it reports your payments to the three major credit bureaus, helping to boost your credit. There are also no membership fees, but you need to weigh if paying $15 or $20 per loan is worth the benefits that Possible provides.
  • Only available in: California, Florida, Louisiana, Texas, Washington
  • Borrow up to $500
  • Same-day funding available
  • May improve credit
  • High fees
  • Must meet income requirement
  • Only available in seven states
Loan amountUp to $500
Interest rate typeFixed
Loan TermUp to 2 months
Turnaround timeAs fast as 1 business day

For frequent borrowers

Vola Finance

A Vola membership starts at $2.99 and goes up $28.99 — yes, more expensive than Dave. But but provided you maintain a minimum bank balance of $150 per month, you can borrow up to $300 per pay period — $50 more than Dave. And unlike Dave, you can change your repayment date as needed. However, Vola Finance doesn't provide much information about its membership tiers and what you get at each level.
  • Available in all states
  • Borrow up to $300
  • Tools to manage finances
  • Postpone due date up to 10 days
  • Membership starts at $2.99
  • Must have an average balance of $150+
Loan amountUp to $300
Interest rate typeFixed
Loan TermVaries
Turnaround timeAs soon as same business day

For tracking your finances


Even is a financial planning app that offers advances of up to 50% of the money you've already earned through its Instapay feature — as long as you work at a qualifying employer. Also, you can pick up your cash the same day at any US Walmart. But unlike Dave, it comes with a $8 monthly Even Plus membership fee to access to its Instapay advance feature.
  • Available in all states
  • Cash advances of up to 50% of the money you've already earned
  • No interest charges or obligation to tip
  • Same-day cash pickup available at any US Walmart
Loan amount50% of paycheck
Interest rate typeFixed
Loan TermVaries
Turnaround timeSame day

How does Dave compare?


  • Interest-free cash advances
  • Low monthly membership fee
  • Monitors your finances to help predict future expenses
  • No obligation to tip
  • Portion of proceeds go to good cause


  • Limited advance amount of $500
  • May take up to three days for standard delivery
  • No extensions available
  • Not able to change payback date
  • May be banned from app for missing payments

Alternatives to payday and installment loans

We haven’t included payday and installment loans on the list here because they’re often predatory and come with eye-watering interest rates – sometimes into the triple digits – which makes them a poor choice for most people.

Fast facts about payday loans:

  • The average $375 payday loan costs borrowers $520 in fees due to repeat borrowing.
  • The average APR on a payday loan can hit a staggering 650% in states with no protections against predatory short-term lenders.
  • The average repayment on a payday loan is $430, or about 36% of the average borrower’s gross paycheck — much higher than most borrowers can afford.
  • Most payday loan borrowers stay in debt for at least 11 months.

Cash advance apps may be a better financial alternative to high-interest payday loans. Compare more cash advance apps to find one that works with your budget to avoid taking on more costly debt.

If you don’t want to use a payday app

Cash advance apps are only one option if you need quick cash. If you need to borrow more than these apps offer or don’t have a regular paycheck, look into these less conventional alternatives:

  • Payday alternative loans. See if your federal credit union offers payday alternative loans, which are short-term loans up to $1,000. You won’t pay more than 28% APR, but with a month-long wait, they’re not ideal for short-term emergencies.
  • Auto title loans. If you own your car, auto title loans use your vehicle’s title as collateral, which makes them more competitively priced than payday loans. However, if you miss your repayments and go into default, you could lose your car.
  • Local programs and resources. Many local government agencies, nonprofits, churches and charities offer free financial services to those in need to pay for things like food or utilities. Check out our guide to local resources by state to find one near you.

See our payday loan alternatives guide to compare even more options for your borrowing needs. It covers local resources plus 11 other less conventional alternatives to consider if you’re in need of a financial boost.

Compare alternatives to cash advance apps

1 - 0 of 0
Name Product Filter Values Loan amount Turnaround time Requirements
$500 to $10,000
As soon as next business day
Depends on lender requirements, poor credit borrowers may still be able to qualify for a loan. Must live in an eligible state.
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
MoneyLion Instacash advances
$250, $300 with RoarMoney account
3 to 5 business days to external checking account, 12 to 48 hours to RoarMoney account
Bank account must have at least 60 days of activity, show recurring deposits and must have a positive balance
Fee-free, interest-free cash advances up to $250.
OppLoans Installment Loans
$500 to $4,000
1 business day
Direct deposit, Meet minimum income requirements, Live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
CashNetUSA Loan
CashNetUSA Loan
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
As soon as the next business day
Regular source of income, Verifiable bank account, US citizen, Ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
LendYou Short-term Loans
$100 to $2,500
Same business day to 1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.

Compare up to 4 providers

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2 Responses

  1. Default Gravatar
    DavidMay 3, 2019

    How do you apply?

    • Avatarfinder Customer Care
      MaiMay 4, 2019Staff

      Hi David,

      Thank you for reaching out to Finder.

      Loan application may differ from one lender to another. To apply from any of the lenders from this page, you may directly visit their website and see if they have online application so you can do it over the internet. You may also reach out to their support team to check if they have other ways on how to apply.

      Hope this helps! 😊

      Kind Regards,

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