Dave is an app that helps you avoid overdrafts by providing small cash advances, regardless of hours you’ve worked or the company you work for. And while it has a membership fee, you’ll only have to pay $1 a month — much lower than other pay advance apps out there.
However, you’ll have to wait up to three days for standard delivery, and this app doesn’t allow you to extend or change your payback date.
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 $100
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
Not sure Dave is right for you? Check out these other pay advance apps that might be able to help:
Unlike Dave, Possible Finance offers installment loans. These can be quite expensive, and Possible Finance is no exception: You'll pay anywhere from $15 to $20 per $100 borrowed. But same-day funding may be available if you have a Visa debit card. Your payments will also be reported to the three major credit bureaus, and you won't pay a membership fee to use the Possible Finance app.
Borrow up to $500
Same-day funding available
May improve credit
Must meet income requirement
Only available in seven states
Possible Finance Mobile Installment Loans
Up to 2 months
As fast as 1 business day
Rates vary by state, though you’ll likely be charged around $15 or $20 per $100 borrowed.
Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+
You'll need to pay a membership fee to get an advance from Vola Finance — and membership costs at least $4.99 per month. While many of the financial tools and account monitoring features are the same, Vola allows you to borrow more than Dave and change your repayment date as needed. However, Vola Finance has plenty of reported issues with its iOS and Android apps.
Even is a financial planning app that offers advances of up to 50% of the money you've already earned — as long as you work at a qualifying employer. You can also pick up your cash the same day at any US Walmart. But unlike Dave, it comes with a hefty $8 monthly Even Plus membership fee to have access to its Instapay advance feature.
Cash advances of up to 50% of the money you've already earned
Earnin works much like Dave, but there are no membership fees involved. You can also borrow more — up to $100 per day or $500 per pay period, depending on the hours you've already worked. And you may be able to get your advance in minutes if you qualify for its Lightning Speed program. Otherwise, it'll be deposited into your bank account the next business day. It also has a Balance Shield program that helps prevent overdraft fees.
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
Same business day to 2 business days
Optional tip of up to $14 per withdrawal
Direct deposit sent to a checking account, a regular pay schedule, a fixed work location or an online timekeeping system at work
Like Dave, Brigit requires a membership fee. But you have access to a larger cash advance — up to $250, with the option for automatic withdrawal if your bank account balance gets too low. Your account is analyzed to help predict your spending habits and prevent overdrafts. But you'll have the ability to extend your due date if you can't make your repayment, and there's no obligation to tip. However, it's pricey. Dave costs $12 a year, while Brigit costs just under $120. Its funding speed isn't that much faster than Dave, and there's a long list of eligibility criteria you'll need to meet to qualify for an advance, including making over $1,500 a month.
MoneyLion is a bank that offers pay advances to its checking account holders. You can get up to $250 per pay period automatically deposited into your checking account — beating out Dave by a few days. But like Dave, there are no fees or interest to borrow, and you won't have to worry about tipping. But it's limited to a select number of states, and you can only borrow up to 10% of your direct deposit per pay period.
Cash advances of up to $250 per pay period
No interest, fees or obligation to tip
Access to multiple services, including free credit monitoring
Must have a MoneyLion checking account
Limited to 10% of your direct deposit per pay period
Pay advance apps are generally much less expensive than payday loans — with some completely free to use. However, you won’t be able to borrow as much as you would with a payday loan, which typically comes with APRs in the triple digits. Learn more about how payday loans work with our guide.
Yes. Every pay advance app listed on this page requires borrowers to be employed and receive regular direct deposits into a checking account.
No. Pay advance apps don’t check your credit when you take out an advance, nor do they report repayments to the credit bureaus.
Kellye Guinan is a writer and editor with Finder and has years of experience in academic writing and research. Between her passion for books and her love of language, she works on creating stories and volunteering her time on worthy causes. She lives in the woods and likes to find new bug friends in between reading just a little too much nonfiction.
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