By AppHub Editorial Team · Updated August 3, 2026

Dave: Credit, Cash & Money App

Dave: Credit, Cash & Money App

4.5
Downloads: 10,000,000+ Reviews: 593,000 Content Rating: Everyone
Dave: Credit, Cash & Money App screenshot 1
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Dave: Credit, Cash & Money App screenshot 8

Overview

Category

Finance

Developer

Dave Operating LLC

Price

Free

Released On

Apr 24, 2017

Version

3.95.1

Requires Android

9

Contains Ads

No

Updated At

Apr 10, 2026

Features

Dave Membership Information

1-Dave is not a bank. Banking services provided by Coastal Community Bank, Member FDIC. The Dave Debit Card is issued under a license from Mastercard®. ExtraCash amounts range from $25-$500, typically approved within 5 minutes, with an overdraft fee equal to the greater of $5 or 5%. Multiple overdrafts may be required. Not all members qualify for ExtraCash and few qualify for $500. ExtraCash is repayable on demand. Must open an ExtraCash overdraft deposit account and...

Dave Membership Information1-Dave is not a bank. Banking services provided by Coastal Community Bank, Member FDIC. The Dave Debit Card is issued under a license from Mastercard®. ExtraCash amounts range from $25-$500, typically approved within 5 minutes, with an overdraft fee equal to the greater of $5 or 5%. Multiple overdrafts may be required. Not all members qualify for ExtraCash and few qualify for $500. ExtraCash is repayable on demand. Must open an ExtraCash overdraft deposit account and Dave Checking account. Up to $5 monthly membership fee for ExtraCash, Income Opportunity Services, and Financial Management Services. Optional 1.5% fee for external debit card transfers. See dave. com. Take your finances to the next level with Dave. You could pocket up to $500(1), get your cash instantly(2), save on fees, and so much more. UP TO $500 IN 5 MIN OR LESS(1)Remove extra stress with ExtraCash® up to $500. There’s no credit check, interest, or late fees. EXTRACASH 101ExtraCash offers the ability to get up to $500 when you’re in a pinch. (1) The amount of money you can take (aka, your eligibility) refreshes daily. We use several data points—including your income history, spending patterns, and at least 3 recurring deposits—to determine your eligibility. When you take ExtraCash , you’ll agree to a settlement date to pay your outstanding balance. ACCESS YOUR CASH INSTANTLY(2)You could get up to $500 when you download Dave, link a bank account, open your Dave accounts, and transfer it to your Dave Checking account. And with your Dave Debit Mastercard®, you’ll be shopping in no time. GET PAID EARLYReceive your paycheck up to 2 business days early when you set up direct deposit. (3)SAY GOODBYE TO PESKY FEESDon’t worry, we’ll never hit you with hidden fees. You can even skip ATM fees at 40K+ MoneyPass ATMs. (4)SAVE EFFORTLESSLYA vacation, down payment, or brighter future—own your savings journey with a Goals account. You can even set up recurring deposits to build your savings steadily. OUR MEMBERSHIP FEEThere’s a small monthly membership fee that gives you full access to our suite of features. HAVE MORE QUESTIONS? Send us an email at support@dave. com. Disclosures related to the Dave app2-Express fees apply to select instant transfers. See your fee schedule in-app.3-Early access to direct deposit funds depends on timing and availability of the payroll files sent from the payer. These funds can be available up to 2 business days in advance of the scheduled payment date.4-ATM withdrawals are fee-free at 40k+ MoneyPass® ATMs. See https://www. moneypass. com/atm-locator. html to find locations in your area. Out of network fees may apply. General TermsSee the Dave Checking Deposit Agreement and Disclosures, Dave Goals Deposit Agreement and Disclosures, and the Dave ExtraCash™ Deposit Agreement and Disclosures for account terms, limits, and fees. All trademarks and brand names belong to their respective owners and do not represent endorsements of any kind. Physical address: 1265 S Cochran Ave, Los Angeles, CA, 90019.

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Ratings breakdown

593,000 reviews
5★
82%
4★
8%
3★
2%
2★
1%
1★
6%

Developer contact

Name

Dave Operating LLC

Address

1265 S Cochran Ave Los Angeles, CA 90019-2846 United States

Phone

+1 323-205-5494

Support

support@dave.com

Privacy

View policy

Frequently Asked Questions

Does Dave charge fees for cash advances?
high

Yes, according to the app description and user reviews, there are multiple possible fees. There is a monthly membership fee of up to $5. The ExtraCash advance carry an overdraft fee of the greater of $5 or 5% of the advance. If you need instant transfer, an express fee (e.g., $1.05 mentioned by a reviewer) may apply. Recent reviews also note the advance can be split into two withdrawals, each incurring a $5 fee.

Source: app_metadata, user_reviews

How much can I borrow with Dave?
medium

The app description states ExtraCash amounts range from $25 to $500. However, a recent user review reports their limit dropped from $600 to $225, suggesting individual limits vary and have been reduced for some users. The description also notes 'few qualify for $500'.

Source: app_metadata, user_reviews

Is Dave a bank?
high

No, Dave is not a bank. According to the app description, banking services are provided by Coastal Community Bank, Member FDIC. The Dave Debit Card is issued under a license from Mastercard.

Source: app_metadata

Can I get my paycheck early with Dave?
high

Yes, the app description states you can receive your paycheck up to 2 business days early when you set up direct deposit. Availability depends on the timing of payroll files from your employer.

Source: app_metadata

How to Use

Dave provides cash advances, banking, early paycheck access, and savings tools through a monthly membership model. (app_description)

Getting Started

Source: app_description_and_user_feedback_noted

  1. Download the Dave app and create an account by providing your phone number and personal information.
  2. Link your external bank account to enable income and spending analysis for ExtraCash eligibility.
  3. Open a Dave Checking account and an ExtraCash overdraft deposit account to qualify for advances.
  4. Set up direct deposit if you want early paycheck access and potentially higher advance limits.
  5. Agree to membership fees and review all associated costs for advances, transfers, and transactions.

Key Features (from app listing)

Source: app_description

  • ExtraCash: Access up to $500 in cash advances within 5 minutes without credit checks, interest, or late fees.
  • Instant Transfer: Transfer advance funds instantly to your Dave Checking account with your Dave Debit Mastercard.
  • Early Paycheck: Receive direct deposits up to 2 business days early.
  • Fee-Free ATMs: Access over 40,000 MoneyPass ATMs without withdrawal fees.
  • Savings Goals: Set up recurring deposits into a Goals account for savings progress.
Pro Tip: Be aware that Dave's advance settlement starts at midnight, which may cause bank overdrafts if your paycheck doesn't arrive until later. Consider scheduling or adjusting your settlement date to avoid this.

Derived from a specific user complaint in recent_reviews (Review 1) about settlement timing causing bank overdraft risk.

How this content was created

Content type: pattern_analysis_of_user_reviews_and_metadata

AI generated: Yes

Data sources:
  • Google Play user reviews (5 reviews per app), February 11, 2025 to April 1, 2026
  • Google Play ratings distribution
  • App Store listing metadata
Limitations:
  • Review samples are not statistically representative of all user sentiment
  • Only recent_reviews were available, limiting the analysis to 5 reviews
  • Claims labeled 'low confidence' are based on single-review observations only
  • No real-world app testing was conducted
  • Feature availability may vary by region, device, and app version
  • No high-engagement (liked) positive or negative reviews were available to assess community sentiment

Pros & Cons

Based on analysis of Google Play user reviews

Pros

  • Improved customer support compared to the past, now a big plus for users.

    Theme 'Support improvement' identified in recent_review #1.

    Evidence (1)
    “They have much better support than they used to. BIG plus.”
    Rating: 4★ February 11, 2025 1,812 likes
  • ExtraCash advances up to $500 with no credit check, interest, or late fees.

    Theme 'ExtraCash feature' identified in recent_review #1, #2, #4, and description.

    Evidence (2)
    “ExtraCash offers the ability to get up to $500 when you’re in a pinch.”
    Rating: 5★ N/A
    “I am greatful to have help from Dave.”
    Rating: 4★ April 01, 2026
  • Low fees compared to other cash advance apps, with small amounts for CD and express fees.

    Theme 'Fee comparison' identified in recent_review #4.

    Evidence (1)
    “The one good thing about these numbers fees is that they are small amounts. Compared to other apps.”
    Rating: 4★ April 01, 2026

Cons

  • Advances are split into two parts with separate withdrawal fees, increasing costs.

    Theme 'Split advance fees' identified in recent_review #2 and #5.

    Evidence (2)
    “They split your advance into 2, and each withdrawal fee is $5 each.”
    Rating: 1★ March 02, 2025 1,051 likes
    “adding extra fees to 2 transactions instead of 1.”
    Rating: 1★ March 26, 2026 3 likes
  • Settlement timing causes overdrafts because it occurs at midnight before paycheck deposits.

    Theme 'Settlement timing' identified in recent_review #1.

    Evidence (1)
    “I risked an overdraft at my bank when the advance settlement occurred. My check doesn't hit my account until 8 am. Dave starts trying to settle at the stroke of midnight.”
    Rating: 4★ February 11, 2025 1,812 likes
  • Sign-up process has persistent issues with verification codes and support requests.

    Theme 'Sign-up problems' identified in recent_review #3.

    Evidence (1)
    “After I put my phone number in it's sends a code and I put in exactly what the code is and it keeps saying it's wrong.”
    Rating: 1★ October 03, 2025 168 likes

Recent Reviews

Willy Dewit

4★

They have much better support than they used to. BIG plus. My only real gripe with the app now is that I risked an overdraft at my bank when the advance settlement occurred. My check doesn't hit my account until 8 am. Dave starts trying to settle at the stroke of midnight. There's no way to change the time or schedule a time for the settlement to occur. Hopefully they fix that, too. Then I can feel secure in using all of its features more often. Don't tip. It doesn't go to hungry ppl

February 11, 2025 1,812 likes

Jerred B.

1★

Was a good service until they changed their policies. Now you pay the membership fee and $10 to withdraw. They split your advance into 2, and each withdrawal fee is $5 each. So, if your advance was say $200 you can get $100 first, plus pay the $5 fee. Then you can get the other $100 and pay another $5 fee. This doesn't improve the customer's experience. It just fills the pockets of the app's investors with more money without any benefit to the user. Pure greed.

March 02, 2025 1,051 likes

Alberto Simpson

1★

this app is terrible. I have had nothing but issues since I tried to sign up. After I put my phone number in it's sends a code and I put in exactly what the code is and it keeps saying it's wrong. Multiple times resending it. This same thing happen 2 years ago. I just can't get signed up for nothing. Support sends you the same emails requesting the same info: DL, paystub and all and still have issues. What is the problem.

October 03, 2025 168 likes

RENEE STEGER

4★

I am greatful to have help from Dave. however, I wish it was for a higher amount, and not split up with all these fees. Or if split allow larger amounts for each. These Extra fee's leave something to be desired. $5.00 CD fee, $1.05 express fees. The one good thing about these numbers fees is that they are small amounts. Compared to other apps.

April 01, 2026

Tim

1★

Response to (Dave) below: Nothing changed in my bank account. Also, proved my point with adding extra fees to 2 transactions instead of 1. Original response: Used to get a 600 dollar limit. My finances never changed. Now they lowered it to 225 dollars with a fee and then a second 75 dollar and a fee to collect more. Haven't used it since. Klover is better and is fee free when getting it 2 days later.

March 26, 2026 3 likes