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8 Cash Advance Apps like Dave for Fast Cash in 2026

These apps similar to Dave may become your new fave with higher cash advances and no membership fees.

Bethany Hickey's headshot

By

Bethany Hickey

Edited by

Holly Jennings

Reviewed by

Anna Serio

Updated

Fact checked

Dave is a banking app that offers cash advances, and doesn’t require minimum deposits. Dave’s $500 cash advances are high compared to many other apps, but it’s possible to find a cash advance app like Dave that offers twice that amount to select borrowers.

Depending on how much money you advance, express fees range from $3 to $25. If you don’t want to pay the instant funding fee, you’ll wait up to three business days for your cash advance.

If you’d rather have a cash advance app with stronger budgeting features or flexible repayment, these cash advance apps may be a better alternative to Dave.

Key takeaways

  • Dave’s core perk is a comparatively high cash-advance limit up to $500 with free standard delivery in up to three business days. The trade-off is instant funding fees that range roughly $3–$25.
  • It’s a banking app, so you don’t need a minimum deposit to use it. But depending on how you get funds, costs like instant fees can make small advances pricier than they look.
  • Many alternatives emphasize lower or no monthly costs and sometimes higher maximum advance amounts, so you may find a lower total cost if you don’t need Dave’s specific setup.

Watch our video breakdown of apps like Dave:

Our 8 top picks for apps like Dave

  • For budgeting features: Cleo
  • For accessing wages: EarnIn
  • For building a portfolio: Albert
  • For flexible repayment: Brigit
  • For all mobile banking needs: Cash App
  • For tracking your finances: One@work
  • For when you have an ITIN: B9
  • For short-term loans: Possible

Alternative for budgeting features

Cleo

8.2 Great

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If you love to stay on top of your finances, look no further than Cleo. This AI-powered app excels at helping you stay on top of your spending and bills with payment reminders, overdraft alerts, and a spending tracker with an optional “roast mode” to let you know when you’ve gone overboard.

In addition, Cleo's paid version offers cash advances through its app with no minimum income requirement or credit checks. As long as you have regular income coming into your bank account, you could qualify for cash advances starting at $20 to $250.

Loan Amount $20 - $250
Turnaround time 3 to 4 days or instant for a fee.
Costs $5.99 monthly membership fee to access cash advances
  • Available in all states

Alternative for accessing wages

EarnIn

9.5 Excellent

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EarnIn is a cash advance app that lets you borrow up to $1,000 of your earned wages before payday with its Cash Out feature. This borrowing limit is significantly higher than most cash advance apps, and unlike payday loans, there are no interest or financing fees to use Cash Outs.

To qualify for EarnIn Cash Outs, you need to be employed, have regular direct deposits, and earn a minimum of $320 each pay period. You can transfer $150 a day to a linked bank account or more than $150 per day to an EarnIn card. Regular transfers are available in one to three business days or in minutes for a fee with Lightning Speed.

Loan Amount Up to $1,000
Turnaround time 1–2 business days standard; minutes with Lightning Speed
Costs Free to use or within minutes with a fee as low as $3.99 per transfer
  • Not available in: Connecticut, District of Columbia

Alternative for building a portfolio

Albert Instant

8.8 Great

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Albert is a popular all-in-one money app that provides up to $1,000 to members. You don't need a subscription to use Albert Instant, it's available to any eligible Albert member subject to eligibility requirements.

Albert also offers optional subscription tiers which include extra tools like budgeting insights, automated savings, spending alerts, and other financial management features. Combined with Albert Instant, these features help users manage short-term cash gaps and stay on top of their finances.

Loan Amount $25 - $1,000
Turnaround time Within minutes
Costs No subscription required

Alternative for flexible repayments

Brigit

8.4 Great

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Brigit is one of the few apps that allows you to extend your due date if you can't make your repayment. You can extend your due date up to three times, making it a useful option if you need flexible repayment options. Standard funding takes up to three business days, or you can opt to get your money in as little as 20 minutes for a small fee.

With more than 4 million users, Brigit's standard cash advance and overdraft protection features won't cost you extra, but you have to pay a monthly membership fee ranging from $8.99 to $14.99.

Loan Amount $50 - $500
Turnaround time 1 to 3 business days or instant with a Premium subscription or for a fee.
Costs Brigit Plus: $8.99/month; Brigit Premium: $14.99/month
  • Available in all states

Alternative for all mobile banking needs

Cash App

Read review

Cash App is full of banking features, including early paycheck arrival and investing options. Its latest feature is called Borrow, which the app hasn't officially launched yet.

Currently, qualified users can borrow small loans from $20 to $500. It's still in the early stages, so it's not widely available just yet, and you'll likely need to live in an eligible state, have good credit, and be an active user.

And while Cash App is a widely-known app and highly ranked, it does have a lot of negative reviews on Trustpilot, mostly related to users accidentally sending money to a scam account or issuing refunds if money is accidentally sent to the wrong account. The Better Business Bureau has, on the other hand, given it an independent A+ rating, despite negative customer reviews.

Loan Amount $20 - $500
Turnaround time Same day
Costs 5% flat fee
  • Available in all states

Alternative for tracking your finances

ONE@Work

9.5 Excellent

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One@Work (formerly Even) is a budgeting app that offers up to 50% advances on wages you've already earned through its Instapay feature. The service is free for employees if employers have configured these benefits in the Instapay app. A small fee will apply if not. On top of this, One@Work helps you stick to a budget by alerting you about upcoming bills and how much you need for them. Your employer determines how often you can take an Instapay and how much of your net earnings you can access.

Loan Amount Not listed
Turnaround time Instapay is instant and free if your employer has configured this benefit; a small fee applies if they have not. All other delivery options are free.
Costs Free employee benefit. No membership fee. Instant fee may apply depending on employer setup, amount not listed on site.
  • Available in all states

Alternative for nonresidents

B9 pay advance app

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B9 is one of the few cash advance apps that offers an FDIC-insured cashback Visa card. Additionally, B9 doesn't charge fees or require tips when you request an advance.

But you'll have to join either their B9 Advance plan at $9.99 a month or B9 Premium plan at $19.99 a month to access cash advance benefits. Some extra benefits in the premium plan include a credit score simulator and credit reporting. B9 isn't the cheapest option out there, but it may be worth it if you need larger advances sooner.

Loan Amount $10 - $1,000
Turnaround time Instant
Costs Basic: $5.99/month. Premium: $19.99/month (or as little as $7.99/month if paid annually). Optional fees apply for instant external transfers (e.g., to Cash App or Venmo) — not included in membership price.
  • Not available in: District of Columbia

Alternative for short-term loans

Possible Finance Mobile Installment Loans

Read review

Possible Finance is another mobile app, but unlike Dave, it offers short-term installment loans — not cash advances. You can borrow up to $500, the same maximum amount as Dave, but without that monthly membership fee. Additionally, Possible reports to two of the three credit bureaus, so there's a chance to build your credit with timely payments. Dave doesn't offer any credit-building services.

However, Possible charges $15 to $20 per $100 borrowed, depending on your state, with rates reaching 200% APR in some cases. This rate makes it significantly more expensive than Dave's, even if you pay a fee for instant funding. However, the loan term can be much longer than a cash advance, with up to eight weeks to repay the loan. Most cash advance apps automatically deduct the repayment when your next paycheck clears.

Loan Amount $50 - $500
APR Varies by state; fees are $10–$25 per $100 borrowed in most states
Turnaround time As fast as 1 business day
  • Not available in: Alaska, Colorado, Connecticut, District of Columbia, Georgia, Illinois, Maine, Maryland, Massachusetts, Minnesota, New Jersey, New Mexico, New York, North Dakota, Pennsylvania, South Dakota, West Virginia, Wisconsin

How does Dave compare?

With Dave you get access to cash advances up to $500 within 5 minutes, while many apps limit advances to around $250 per pay period. The app also offers a checking account with no overdraft fees, and a feature called Side Hustle, which can help you find local jobs for extra cash.
Dave is accredited with the BBB, carrying a A+ rating, but does have poor customer reviews on the BBB profile and over 1,019 BBB customer complaints in the last three years. It also doesn’t have a Trustpilot profile, so insight is limited.

For a more detailed look, read our full Dave app review.

Pros

  • $500 cash advances per pay period
  • Checking account with no overdraft fees
  • Other features like Side Hustle

Cons

  • Not many customer reviews
  • Over 1,019 BBB complaints
  • No investing feature
Holly Jennings's headshot
Anna Serio's headshot
To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings and reviewed by Anna Serio, a member of Finder's Editorial Review Board.
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Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

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2 Responses

    David's avatar
    DavidMay 3, 2019

    How do you apply?

      Mai's avatarFinder
      MaiMay 4, 2019Finder

      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,
      Mai

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