You get out of bed thinking it’ll just be another day, but suddenly your car breaks down. When your power bill arrives, it is significantly more than normal. You become unwell without warning. When an old buddy visits town, you have to meet up with them for a wonderful night out. You don’t have enough cash to handle your expenses, and payday is still a long way off. This is when apps like dave enter the picture. Apps like dave provide interest-free cash loans to help you get through financial difficulties without drowning in debt.
Top 15 Apps Like Dave for Getting Cash Advances Easily 2022
However, despite Dave’s popularity and utility, it might not be right for you. You might wish to look for a firm that provides larger cash advances or personal loans. Perhaps you don’t want to have to pay a monthly fee in order to get an advance. Perhaps you don’t want to deal with Dave’s regular three-day processing period when you need money right now.
As a result, it’s vital to look into alternative, maybe better possibilities for apps like dave. We’ll look at some of the top advanced cash applications like apps like davein in this piece, which are delighted to give you a lifeline at times when you need a cash injection. apps like dave are one of the best cash advance apps.
Chime has been in the fintech industry for more than a decade, acting as an online bank account that allows you to make direct deposits, transfer money, send checks, pay bills online, and obtain a cash advance on your paycheck when you’re short on cash. While apps like dave charge a $1.99 monthly membership fee to keep your account active, plus express fees ranging from $1.99 to $5.99 for speedy cash advance processing, Chime is entirely free to use.
It has no maintenance, transaction, or minimum balance fees, and there are no hidden costs. If you need money right now, Chime may give you up to $100 until your next paycheck arrives. You can overdraw up to $200 on your account using Chime’s Spot Me service, depending on your repayment history. To get this benefit, you must have had at least $500 in direct deposits in the last 31 days.
Chime also offers a Visa debit card that grants you free access to over 38,000 Visa Plus Alliance and MoneyPass ATMs around the United States. Wherever this access isn’t available, you’ll have to pay out-of-network withdrawal costs. Another good thing about Chime is that it has automated personal savings and spending accounts, which apps like dave don’t have. When you create a Chime account with a 0.5 percent interest rate on your savings account balance, you’ll get there.
With Earnin, you can make any day payday with an advance on your pending earnings. To use the site, you can borrow up to $500 from your pending paycheck every day without having to pay high fees and interest rates. Simply log into the Earnin app, tell the firm where you work and bank, and it will compute how much time you spent on the job that day using location services or timesheets. Next, multiply the number of hours you worked by your hourly rate, and Earnin will advance the money you made that day within one to two business days, or instantaneously if you choose the Lightning Speed option.
When your paycheck is received and it’s time to pay back, Earnin will automatically deduct the same amount you borrowed from your bank account. Earnin does not charge a membership fee or even interest, unlike apps like dave. Instead, the firm takes a novel approach by asking you to leave a gratuity out of the goodness of your heart after each purchase. Depending on your preference, you can tip up to $14 per withdrawal or less. When you set up a regular tip of $1.50 or more, it even includes an overdraft protection option.
3. Axos Bank
Axos Bank is a banking service like Dave that lets customers get their paychecks faster. You automatically qualify for Direct Deposit Express when you create high-yield savings or checking account with Axos Bank. This allows you to get a cash advance on money you’ve already earned, even if the check doesn’t arrive in your account for a few days. When you set up a direct deposit for your account, you’ll be able to use this option. Axos will take care of the rest.
Axos Bank, unlike its competitor, apps like dave, does not impose a monthly service fee. It also does not charge overdraft fees or requires a minimum balance to keep your account active. The bank also provides Cashback Checking, which allows you to earn up to 1% cashback on your transactions.
Axos will also refund you for ATM fees charged by other banks in the United States. Axos Bank also offers personal money management, investment possibilities, and the ability to transfer cash, deposit checks, and pay bills on time—all of which are not available on apps like dave.
Brigit is one of the greatest cash advance applications available, similar to Dave. It works by allowing you to borrow money and then repay it when your next paycheck arrives. Brigit provides up to $250 in cash advances, but apps like dave only offer $200 if you have a Dave spending account and $100 if you don’t. In addition, Brigit lets you extend the due date of your first loan once without paying a penalty or being charged for being late.
The longer you use the program, the more extension credits you’ll earn, allowing you to defer debt payback up to three times. Brigit, like Dave, charges a membership fee, but the cost and rewards are vastly different. Dave’s subscription is $1 per month, but Brigit’s costs $9.99 per month. In the long run, you won’t have to pay transaction fees, loan interest, and other charges. The high membership fee more than pays for itself, because you won’t have to pay for these things later on.
For the most up-to-date information on subscription options and costs, see Bridgit’s pricing page. Dave doesn’t mention automatic advances, which send money to your account and avoid overdraft fees when your balance is close to zero. Brigitt does. Brigit also provides you with financial health updates, credit-building recommendations, identity theft protection, and side-hustle opportunities.
MoneyLion is a cash app that is very similar to Dave. You can use it whenever you have unexpected bills that need to be paid. Depending on how much money you consistently earn and deposit into your bank account, the service can provide you with quick loans of up to $250 every pay cycle. MoneyLion’s cash advance application process is a few days faster than Dave’s. If you have a RoarMoney account, you can get the money right away or within a few hours.
MoneyLion does not charge any fees or interest on cash advances, unlike Dave, which charges a $10.00 monthly fee to provide you with loans. Instead, MoneyLion requests that you leave an optional tip every time you receive a cash advance so that the service may continue to be interest-free and accessible to as many people as possible. MoneyLion doesn’t run credit checks before, during, or after you apply for a cash advance, so you don’t have to worry about damaging your credit or being turned down because you don’t have perfect credit. In addition to rapid loans, MoneyLion offers tools to help you manage your savings, spend, and improve your credit.
Do you need a cash advance right now but don’t want to cope with high-interest rates or late fees? Consider using Empower to get up to $250 in cash anytime you need to pay bills or cover other costs. When you request a loan on the platform, the funds will be released either free of charge to your Empower checking account or at a fixed cost of $3 to an external bank account. With Empower’s Early Paycheck Deposit function, you may even get your paycheck two days early.
You may use your Empower card to make free transactions at over 37,000 ATMs across the United States. To be eligible for cash advances from Empower, all you have to do is make regular direct deposits to your Empower bank account. Empower is also unique in that it does not conduct credit checks or levy late fees if you do not return your loans on time. Empower also offers a 10% cash back bonus on qualified purchases at hundreds of grocery shops, petrol stations, and restaurants, making it a better option than Dave.
A budgeting app that helps you adjust your spending to your income is one of the many great services Empower offers that you won’t find on Dave. You’ll also get automated savings, monthly spending reports, and intelligent financial advice.
Branch is one of the most popular cash advance apps on the market right now, just like Dave, which is also popular. Employees may use the service to have faster access to their income, keep track of payments and balances, receive regular spending reports, and get warnings about incoming obligations. There are a lot of benefits for businesses that have a lot of people who aren’t already banked or don’t have a bank account.
It gives customers a free digital account as well as a debit card to use for transactions. Depending on how many hours you work and how much you earn, Branch allows you to withdraw up to $500 in advance every pay cycle and $150 per day. The hitch is that your company will need to create a branch account as well. Although Branch and Dave are similar in terms of quick payments and customer happiness, Branch does not charge a membership fee and is completely free to use. The Branch also includes other useful tools to help you manage your work-life balance, such as the ability to track your earnings, interact with coworkers, and even transfer shifts at work.
If you’re looking for an app like Dave that can help you deal with urgent financial problems when you don’t have enough money and don’t want to pay a lot of money in overdraft fees, DailyPay is one of the best options. You can get a cash advance on your wages before your next payday with DailyPay and save $1,205 in overdraft fees, interest on loans, and late fees. Your earnings for the day will be added to your DailyPay account as soon as you clock in for a shift. You can put your money in your bank account whenever you want, and DailyPay will take the money from your paycheck when it comes time.
The app charges a $1.99 transfer fee on each withdrawal to deposit your cash advance the next business day, which is comparable to Dave’s price. You can also pay $2.99 for an immediate transfer. You may also use DailyPay to set up several types of automated transfers, such as transferring a specific percentage or amount from your salary or cash advance to your savings account.
is available to help you deal with life’s shocks by offering you access to cash in minutes, whether you need to fill your gas tank, pay a bill, reward yourself for a good time, or purchase groceries. By advancing money from your overdue salary, the firm puts its own distinctive spin on cash loans. You must work for a qualified employer to be eligible to borrow money from Even. Depending on your wage history, they will then provide you with a cash advance of up to 50% of your next paycheck.
Even if, like Dave, the program does not charge interest or taxes when you use it to get a cash advance. Even so, like its competitor, it charges a monthly subscription fee in order to withdraw money from the site.
All of Even’s features, including access to a variety of valuable financial planning tools to help you better manage your money, are available for $2 each week. Also, getting a cash advance on even is significantly faster than getting one on Dave because the process just takes one business day. If you need the money right now, you may go to a Walmart MoneyCenter near you and get it right away.
Varo is a sophisticated digital banking service that allows you to get cash advances before your next salary comes, so you don’t have to deal with regular bank delays. You’ll be able to withdraw any amount you choose from your earned pay ahead of time after you set up a direct deposit into your Varo account. Varo’s pay advancements are also interest-free, just like Dave’s. There are no transfer fees, international transaction fees, or minimum balance requirements.
Similarly, your Varo account comes with a zero-liability debit card, which means you won’t be held liable for any illegal charges. Your Varo card grants you free access to over 55,000 Allpoint® ATMs located throughout the United States. This is significantly more than the 32,000-strong network of MoneyPass ATMs that a Dave card allows you to use. Varo also has a “card locking” feature, like Dave’s “freeze” feature, that lets you stop your card from being used if it’s lost or stolen, all through the Varo app.
PayActiv was created to assist companies in providing early access to their employees’ paychecks. Even if your company does not have a PayActiv account, you are still entitled to use the service. In this case, you’ll need to apply for a PayActiv card to get a pay advance from your wages up to two days before they’re due. You may examine the number of hours you’ve worked and your current earnings through the PayActiv app once you’ve registered. The specified amount can then be transferred to your bank account, PayActiv card, third-party card, or picked up in cash at a Walmart store.
You’ll have to pay a $1.99 processing charge if you use a third-party card or pick up your money in person. PayActive, like Dave, doesn’t impose interest on cash loans; instead, the amount taken out is removed from your next paycheck. PayActiv subscribers may also take advantage of financial advice, savings tools, and discounts on a variety of prescription medications and department stores.
Floatme is a personal finance app like Dave that lets you quickly ask for and get money whenever you need it. Floatme is a service for millennials that lets people get cash loans of up to $50 without paying overdraft fees. To be eligible for advances, you must pay $1.99 a month to use the platform. This is a lot cheaper than Dave’s $1 membership fee. Floatme offers a 30-day trial period, so you may try out the service before completely committing. Another thing that Floatme and Dave have in common is that they both refuse to pay interest.
This means you will not be charged interest on any cash advance you get from Floate. Furthermore, the organization does not conduct credit checks before granting you a loan. There are other ways to use Floatme besides getting cash loans. You can use it to keep track of and see how much you spend each month.
13. SoFi Money
SoFi Money is the next app on our list of the top cash advance apps like Dave. SoFi Money gives you early access to your paycheck before it is scheduled to be deposited into your account. This app, like Dave, does not levy fees for overdrafts or low balances. It even covers inadvertent overdrafts of up to $50 for free, so you don’t have to pay a fee. Unlike Dave, though, SoFi Money offers no monthly fees. If you have a SoFi Money card, you may use it to withdraw cash from over 55,000 ATMs around the country without paying a charge.
Another advantage of using SoFi Money is that you can earn 0.25 percent APY on your savings, which is nearly six times the national average. To be eligible for this rate, you must make a monthly direct deposit of at least $500 into your SoFi Money account. Check deposits, bill payments, person-to-person transfers, FDIC insurance, and more are all included in this cash management service. When you use your SoFi Money account to make payments, you may earn up to 15% cashback.
FlexWage is a similar app to Dave that allows employees to access their earned money before payday to take care of their financial obligations. You can request a cash advance from your income using its OnDemand Pay service. In contrast to Dave, who controls the amount of cash advance you’re qualified for, FlexWage delegates this authority to your company. Your advance limit and how often you can seek an advance are determined by your company.
FlexWage is also handy for monitoring transfer history, analyzing account balances, and transferring money across banks. Users can also get reloadable charge cards that work like paper checks. It does, however, provide you with rapid access to your money on payday, unlike a regular check.
The card may be used at any Allpoint ATM, any business that takes Visa or even to transmit money to a bank account for free. Creating a budget, integrating and monitoring all of your financial accounts in one location, learning about essential financial subjects, and meeting with a financial wellness coach are just a few of the other things you can do with FlexWage.
Instead of providing you with a cash advance as Dave does, Affirm provides you with a virtual credit card filled with the amount you requested that you may use to make purchases and pay payments. It also helps you figure out how much you’ll have to pay back based on how much you spend and when you work. All you have to do now is choose the one that best suits your needs and begin enjoying your cash advance.
You can buy anything from anywhere with the Affirm app. Simply put the purchase amount into the app, and it will handle the rest. Then, to make the repayment procedure as smooth as possible, you may set up a monthly payment plan. In terms of simplicity and quickness, Affirm outperforms Dave. It completes your transactions in minutes, so you don’t have to wait days for your transactions to be finished.
Many applications, such as apps like dave, provide financial aid in the form of cash advances when you’re in need. You just need to go through their options and choose the one that best suits your demands. Despite the fact that this list shows the best apps like dave cash advance services available today, we’d have to give the edge to MoneyLion if we had to.
It provides advances of up to $250, with the possibility of receiving more if you sign up for other services. MoneyLion has no monthly fees, maintenance fees, or transfer costs, and it is also interest-free. On top of that, it offers enticing cashback benefits on select transactions.