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.
EarnIn is a cash advance app that lets you borrow up to $750 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 $100 a day to a linked bank account or more than $100 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.
Not available in: Connecticut
Pros
No credit check required
No mandatory fees, interest, or tipping
Cash Out more than $100 per day with an EarnIn card
Chime's SpotMe is a no-fee overdraft service that provides up to $200 to cover overdrafts to your Chime Checking account. To qualify, you need to make a monthly direct deposit of $200 or more into your Chime checking account and activate your Chime debit card.
SpotMe only covers overdrafts caused by ATM or debit card transactions and starts with just $20 of protection. You can raise this limit with regular deposits and a solid account history, by qualifying for promotional bonuses offered by Chime or by using SpotMe Boost, a program that allows existing members to boost each other's SpotMe protection.
Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Direct deposit: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. SpotMe: Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each at least once every 34 days. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.
Pros
No fees or tipping obligation
Low monthly direct deposit requirement of $200
Get paid up to 2 days early
Cons
Overdraft limits start at $20 and max out at $200
Must use with Chime Checking account and debit card
Overdraft only covers debit card purchases and ATM withdrawals
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 $40 to $250.
Available in all states
Pros
No employment verification required
0% interest charged on cash advances
Support available with free version
Cons
Same-day transfers cost $3.99 - $9.99
Cleo Plus paid plan costs $5.99 a month
Mixed customer reviews
Loan amount
Up to $250
Loan Term
Next deposit
Turnaround time
3 to 4 days standard transfer. Same day with $3.99 to $9.99 express fee.
Loan amount
$40 - $250
Turnaround time
3 to 4 days standard transfer. Same day with $3.99 to $9.99 express fee.
Albert is a banking app that offers overdraft protection from $25 to $250. What makes Albert different is its Genius feature. Genius is a technology-driven, human-backed financial service that can build a custom investment portfolio based on your goals, but it costs $12.49 a month when billed yearly, or $14.99 a month when billed monthly.
Unlike other cash apps, Albert automatically enrolls all new borrowers in a free 30-day trial of Genius in order to use the app to get free advances. To prevent getting charged on the next renewal, you'll need to cancel Genius within the 30-day trial period.
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.
Available in all states
Pros
Auto overdraft protection
No interest or fee on cash advance
Due date extensions available
Cons
$8.99 to $14.99 monthly membership fee
Standard delivery may take up to two business days
Loan amount
$50 to $250
Loan Term
Varies
Turnaround time
2 to 3 business days or instant with a Premium subscription or for a fee.
Loan amount
$50 - $250
Turnaround time
2 to 3 business days or instant with a Premium subscription or for a fee.
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 $200. 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.
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.
Available in all states
Pros
Instant funding available through a connected bank or Walmart
Helps you stay on top of bills
Cons
Available through select employers only
Advance limited to wages you've already earned
Loan amount
Up to 50% of earned wages
Loan Term
Varies
Turnaround time
Same day for a fee or pick up at Walmart or within 1 day to bank account
Loan amount
Up to 50% of earned wages
Turnaround time
Same day for a fee or pick up at Walmart or within 1 day to bank account
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.
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 460% 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.
Available in: Alabama, California, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington
MoneyLion offers some of the highest cash advance amounts. If you stick with the free membership, you can get advances up to $500. And with the $1 monthly administrative fee for a RoarMoney account, you can increase your limit up to $1,000. By contrast, Dave's cash advances are capped at $500. You can also temporarily increase your Instacash limit when you complete actions in the MoneyLion app, participate in promotions, or participate in Peer Boosts.
In addition to the cash advances, MoneyLion has other features like Credit Builder Plus, which allows you to take out credit-building loans, and MoneyLion Crypto, where you can buy and sell crypto assets. However, MoneyLion has run into some issues with regulators and has many consumer complaints on its Better Business Bureau profile.
Available in: Alabama, Arizona, California, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Louisiana, Maryland, Michigan, Missouri, New Mexico, North Dakota, Oklahoma, South Carolina, South Dakota, Texas, Utah, Washington, Wisconsin, Wyoming
Pros
No paid membership required
Up to $1,000 advances with paid membership
No interest or required tip
Credit builder and crypto features
Cons
Pattern of negative customer complaints
Issues with regulators in 2022
Must pay $19.99 monthly fee to unlock cash advances up to $700
Loan amount
Up to $500 or $1,000 with RoarMoney account
Loan Term
Due by your next pay date
Turnaround time
Up to 5 days or instant for a fee of $0.49 to $8.99
Loan amount
$50 - $500
Turnaround time
Up to 5 days or instant for a fee of $0.49 to $8.99
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 B rating, but does have poor customer reviews on the BBB profile and over 1,384 BBB customer complaints in the last three years. It also doesn’t have a Trustpilot profile, so insight is limited.
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
Bethany's expertise
Bethany has written 401 Finder guides across topics including:
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Hope this helps! 😊
Kind Regards,
Mai
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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