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Dave may be a familiar name in the cash advance app world, but it’s not the only option for those seeking a little financial cushion before payday. Various alternative apps offer similar services, often with additional features to promote overall financial well-being.
These Dave alternatives not only provide cash advances to bridge the gap between paychecks, but they can also offer tools for budgeting, spending insights, and even investment options. Exploring these diverse platforms can help you find the perfect fit for your financial needs and goals.
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- KashKick is a popular online platform that reward users for engaging in activities like answering surveys and playing games.
- Freecash is an online platform that allows users to earn rewards by completing various tasks. These tasks can range from answering surveys and testing apps to playing games.
20 Apps like Dave
Here are the best apps like Dave that you can use to get small cash advances with low or no fees:
1. Cleo
Cleo
From building credit to escaping your overdraft, Cleo makes the money thing easy. There's a lot of shady apps that lend you money out there, Cleo not one of them. Get up to a $250 with no interest or credit checks.
Cleo stands out as an AI-powered personal finance app that offers a helping hand for those needing a cash boost before payday or facing unforeseen expenses. Cleo can provide up to $250 with no credit checks or interest charges, although first-time users may have a lower limit of $100.
Standard cash advances typically take 3-4 days to process, but Cleo also offers a same-day express option for an additional fee. It’s important to note that these cash advances are exclusively available to subscribers of Cleo Plus or Cleo Builder, which entail a monthly fee ranging from $5.99 to $14.99.
To qualify for a Cleo cash advance, simply link your bank account, initiate a chat within the app, and follow the steps to verify your identity and set up your desired payment and repayment schedule.
The benefits of Cleo include flexible repayment terms, no interest or hidden fees, and access to valuable personal finance tools with a subscription. However, the requirement for a paid subscription and the initial cap on advances for new users may be potential drawbacks to consider.
2. Chime
Chime
Get up to $500 of your pay before payday. Chime offers hassle-free online banking with quick and intuitive apps that allow you to manage all your accounts in one place. Best of all, there are no fees to worry about.
Chime stands out by offering a unique cash advance service that allows users to overdraw up to $200 on debit card purchases and cash withdrawals. This is made possible through their SpotMe program, which operates as a fee-free line of credit rather than a traditional cash advance.
Most users begin with a modest $20 credit limit, which can gradually increase to $200 with consistent positive account activity. In the event of exceeding your available funds, Chime automatically covers the overdraft, reducing your available SpotMe limit accordingly. Repayment is then conveniently deducted from your next direct deposit.
To qualify for Chime’s SpotMe, you must have received at least $200 in direct deposits within the past 30 days and possess an active Chime Visa debit card.
The advantages of Chime’s SpotMe include the absence of overdraft fees, monthly service fees, or penalties. Additionally, Chime users can enjoy early access to their paychecks. However, it’s important to note that this advanced feature is exclusive to Chime account holders with a Chime Visa debit card, and the initial credit limits may be relatively low for new users.
3. Varo
Varo offers a cash advance feature that allows users to borrow up to $500 with no additional tips or interest charges. Instead, a flat fee is applied based on the amount borrowed, and repayment is automatically scheduled for the next payday.
To qualify for a Varo cash advance, you must have an active Varo checking account for at least 30 days and have received a minimum of $800 in direct deposits during that period. Repayment is hassle-free, as Varo automatically deducts the borrowed amount plus the fee from your account within 30 days.
One notable advantage of Varo is that cash advances of $20 or less incur no fees. Additionally, users can benefit from early access to their direct deposit paychecks and enjoy a range of online banking features. However, the relatively low cash advance limit and the fees associated with larger advances may be considered potential drawbacks for some users.
4. Empower
Empower provides its members with a convenient cash advance option of up to $250, without requiring a credit check or imposing any fees. Similar to other cash advance apps, the standard transfer typically takes a few days, but users can expedite the process for an instant transfer by paying an additional fee. The funds can be conveniently deposited into an external bank account or onto the user’s Empower card.
To qualify for an Empower cash advance, a few key factors are considered. These include a history of consistent direct deposits from your employer, a positive bank account history, and a demonstrated pattern of regular direct deposits over an extended period.
One notable advantage of Empower is the ability to consolidate and track all your finances within a single platform. Moreover, users can access their funds early, helping to avoid overdrafts without incurring any fees. Empower also facilitates automatic savings, making it easier to set aside money for future goals.
However, it’s important to note that Empower does come with a relatively high monthly membership fee. The cash advance limit is also capped at $250, which may be a constraint for those needing a larger sum.
5. Albert
Albert is a well-known cash advance app offering up to $250 advances without charging interest or fees. Like Dave, users can access up to three cash advances per pay period, with a total limit of $250.
With Albert, as with most apps, the initial advance amount may be lower, gradually increasing with a positive repayment history. Repayment is typically scheduled for your next payday, but if circumstances arise, Albert offers flexibility in working out an extension plan.
Several criteria need to be met to qualify for an Albert cash advance. These include having an active checking account for at least 60 days, demonstrating a history of direct deposits into that account, providing proof of stable income from the same employer for at least 60 days, and ensuring sufficient funds remain in your account 24 hours after each payday.
Albert boasts several advantages, including no monthly service fees and the option to receive your direct deposit funds early. Additionally, the potential to advance up to $250 can significantly benefit users. However, it’s important to consider that Albert does not support joint accounts, and most of its features require a monthly subscription fee of $14.99. Furthermore, the APY offered on savings accounts through Albert is relatively low.
6. Axos
Axos differentiates itself by offering a unique service called “Direct Deposit Express,” which provides users with early access to their paychecks, rather than traditional cash advances or loans.
Unlike many banks that withhold funds until deposits are fully clear, Axos grants immediate access to your paycheck as soon as they receive notification of the deposit from your employer. This typically means receiving your funds a few days before your scheduled payday. Once the funds clear, Axos retains them, effectively covering the amount they advanced to you earlier.
One of the main advantages of Axos is the ability to access your paycheck sooner than usual. Additionally, they offer an increased APY on account balances for completing simple tasks, and no monthly fees are associated with the account.
However, it’s important to note that Axos doesn’t provide a cash advance option if you are short on funds before payday. You must also make a $50 minimum deposit to open an account and set up direct deposit to be eligible for early paycheck access.
7. Earnin
Earnin operates under the principle that earned wages should be accessible as you earn them. With this in mind, they provide users with early access to up to $100 per day, with a maximum of $750 per pay period.
To use Earnin’s service, you’ll need to download their app and verify your income and employment details. Earnin then tracks your working hours to determine the amount of money you can access early. A key requirement is having your income deposited directly into your bank account.
When you request funds through the Earnin app, the money is simply deposited into your bank account, similar to a regular paycheck, but sooner than your official payday. Earnin automatically deducts the advanced amount when your payday arrives, eliminating the need for separate payments or interest charges.
While most transfers with Earnin take a few days, a “Lightning Speed” option is available for a small fee if you need faster access to your funds.
Earnin’s primary benefit is accessing your earnings as you earn them, without any fees or interest. The app also offers a feature to notify you when your account balance is low, helping you avoid overdrafts. However, keep in mind that to use Earnin, you must have direct deposit set up and grant the app access to your checking account. Additionally, accessing your earned funds early may lead to overspending habits if not managed carefully.
8. Payactiv
Payactiv is an app that allows you to access your earned income before your scheduled payday. However, this service is only available if your employer participates in the Payactiv program.
If your employer does offer Payactiv, you gain the flexibility to access your earnings as you work. The app allows you to transfer funds to your bank account, debit card, or even withdraw cash directly.
With employer participation, Payactiv tracks your hours worked and calculates the portion of your earnings you can access daily. You can set up automatic transfers conveniently or only transfer funds when needed. Payactiv seamlessly deducts the advanced amount from your paycheck on payday, ensuring a smooth and hassle-free experience.
The main advantage of Payactiv is the ability to access your pay as you earn it, without incurring any fees or penalties. The app also offers a range of additional features designed to enhance financial well-being. However, the primary limitation is that you cannot access your earned funds unless your employer has enrolled in the Payactiv program.
Additionally, the ease of early access may lead to overspending habits if not managed carefully. It’s also worth noting that some users have found the app’s interface less intuitive than that of similar platforms.
9. MoneyLion
MoneyLion shares similarities with Dave in its cash advance offering, but stands out by potentially providing members with higher limits, reaching up to $500. However, MoneyLion extends beyond just cash advances, functioning as a comprehensive personal finance app to empower users to take control of their financial journey and achieve their goals.
To access a cash advance with MoneyLion, you must receive your paycheck through direct deposit and link your bank account to the app. For those who opt to open a MoneyLion RoarMoney Account, the potential for cash advances increases significantly, with limits as high as $1,000.
Standard cash advance transfers typically take a few business days to process, but MoneyLion offers an expedited “Turbo Fee” option for those seeking immediate access to funds.
To qualify for a MoneyLion cash advance, you need to meet certain criteria. This includes having an active checking account for at least 60 days, receiving regular direct deposits from your employer, and maintaining a positive account balance without overdrafts.
MoneyLion’s key advantages include convenient access to cash advances between paydays and a feature-rich app that provides various tools for managing personal finances.
Additionally, many users may be attracted to the potential for significantly higher cash advance limits with a MoneyLion RoarMoney account. However, to access those higher limits, you must have a MoneyLion bank account, and cash advances may take longer to process compared to other similar apps.
10. DailyPay
DailyPay sets itself apart from Dave by offering access to 100% of your earned income, making it a potential solution for those facing significant financial emergencies that require more than a $500 advance.
DailyPay provides a service known as “earned wage access,” allowing employees to access their funds as earned rather than waiting for a traditional payday. However, like Payactiv, DailyPay is only available if your employer participates in the program.
With DailyPay, employees can access their earned funds from the very first day of work. These funds can be transferred to any bank account or debit card, with the option of instant transfers for a fee or standard next-business-day transfers.
DailyPay integrates with your company’s timekeeping system to accurately track your hours worked and calculate your available earnings. After each shift, the app provides an updated overview of your earnings and the amount available for early transfer. You can conveniently transfer funds anytime, 24/7, to wherever you need them.
Key benefits of DailyPay include access to 100% of your earned income (minus taxes and liabilities), the ability to set up automatic savings goals, and the app’s clear display of your earnings and available funds at any time.
However, it’s important to be aware that accessing earned funds early can potentially lead to overspending habits if not managed carefully. Additionally, DailyPay is only accessible if your employer offers it, and some users have reported difficulties in reaching customer service for assistance.
11. Brigit
Brigit is a cash advance app that provides similar services to Dave. It offers both cash advances (called Instant Cash) and personal finance tools designed to help users manage their finances. Brigit subscribers can access up to $250 in advances, although initial limits may be lower until a reliable repayment history is established.
Repayment of Brigit cash advances typically coincides with the user’s next payday. However, if needed, users can request an extension. Cash advance deposits usually take a few business days, with an expedited “instant transfer” option available for a small fee.
Unlike Dave, Brigit requires a monthly subscription fee of $9.99 to access its Instant Cash feature.
To qualify for Brigit Instant Cash, users must have an active checking account with a positive balance for at least two months and demonstrate a consistent history of at least three direct deposits from their employer.
One of Brigit’s main advantages is the absence of interest or fees on cash advances. Users can also set up automatic advances to proactively avoid overdrafts. Additionally, Brigit is compatible with over 6,000 banks, providing widespread accessibility. However, the monthly subscription fee may be a deterrent for some, and an external bank account is necessary to receive cash advances.
12. One@Work
Formerly known as Even, the One@Work app offers another option for accessing your earned income before payday. Eligible employees can utilize Instapay to receive up to 50% of their earned wages in advance.
One@Work collaborates with leading employers nationwide to provide this early access benefit. The app lets you easily view your earned income and select the desired amount to receive early. Repayment is conveniently handled on your next payday.
The primary advantage of One@Work is the ability to access earned funds ahead of schedule without incurring interest or fees. Additionally, it boasts compatibility with thousands of employers and banks, making it widely accessible. However, it’s important to exercise caution, as early access to funds may encourage overspending if not managed responsibly. Furthermore, this service is only available if your employer participates in the One@Work program.
13. Klover
Klover is a mobile app that provides quick financial assistance through instant cash advances of up to $200. This platform caters to individuals seeking to address short-term financial needs efficiently and conveniently.
With a user-friendly mobile interface, Klover offers a straightforward application process. Users can access the app through the Google Play Store and the Apple App Store, which has garnered positive ratings and numerous downloads.
The primary benefit of Klover lies in its ability to offer instant cash advances for emergencies. Users can quickly receive funds to cover unexpected expenses or bridge the gap until their next paycheck. However, it’s important to be aware that the loan amount is limited to $200, and eligibility for cash advances depends on meeting specific requirements set by Klover.
14. Possible
Possible is a user-friendly mobile app offering cash advances up to $500. It is designed to help individuals easily manage unforeseen expenses and cater to those seeking quick and convenient financial assistance when unexpected situations arise.
The app boasts a simple application process, enabling users to apply for a cash advance directly from their mobile devices. While it has received mixed reviews in the Google Play Store, it holds a higher rating in the Apple App Store, reflecting varying user experiences.
The primary benefit of Possible lies in its ability to provide cash advances of up to $500, making it a suitable option for those requiring a moderate amount of financial support. However, it’s important to be aware that the borrowing limit is capped at this amount, and repayment is typically expected by your next paycheck. This can be a drawback for those seeking more flexible repayment terms or a larger loan amount.
15. FloatMe
FloatMe is a user-friendly app offering cash advances up to $50. It caters to those in need of quick financial assistance for unexpected expenses. Like Dave, it addresses immediate financial challenges with a simple and accessible solution.
With positive reviews on both the Google Play Store and Apple App Store, FloatMe has garnered a reputation for its straightforward process and user-friendly interface. These features make it easy for users to promptly apply for and receive cash advances.
The main advantage of FloatMe lies in its provision of small cash advances, ideal for covering minor financial gaps or unexpected costs. However, it’s important to be aware that the borrowing amount is limited to $50, which may not be sufficient for larger financial needs. Additionally, users must repay the advanced amount according to the agreed-upon terms, so responsible borrowing is crucial to avoid any financial strain.
16. Grid
Grid is a versatile app that provides cash advances up to $200 and offers access to tax refunds, catering to various financial needs. It aims to empower users by providing timely financial assistance and simplifying financial management through its user-friendly interface.
While the app enjoys a moderate rating in the Google Play Store, it boasts a higher rating in the Apple App Store, suggesting differing user experiences across platforms. With over 500,000 downloads, Grid has attracted a substantial user base.
The key benefits of Grid lie in its dual functionality. Firstly, it offers access to cash advances of up to $200, ideal for covering unexpected expenses or emergencies. Secondly, it allows users to conveniently receive their tax refunds directly through the app, simplifying the refund process.
However, it’s important to be aware of certain limitations. The $200 cash advance limit may not be sufficient for those facing larger financial challenges. Additionally, as with any form of borrowing, responsible budgeting and timely repayment are crucial to avoid accumulating debt and maintaining financial stability.
17. Vola Finance
Vola Finance is a user-friendly mobile app that provides cash advances of up to $300 without the burden of interest or hidden fees. It focuses on delivering transparent and straightforward financial solutions to users facing immediate financial challenges.
The app enjoys a moderate rating in the Google Play Store, indicating mixed user experiences, while boasting a higher rating in the Apple App Store. Regardless, it has garnered over 100,000 downloads, demonstrating a significant user base.
Vola Finance’s key advantage is its ability to offer cash advances up to $300 with no additional interest charges. The app emphasizes transparency by clearly outlining any applicable fees upfront. However, the borrowing limit is capped at $300, which might be a constraint for those needing a larger sum. Additionally, certain eligibility criteria may need to be met to access the cash advance feature.
18. SoLo Funds
SoLo Funds is a community-based platform that fosters financial support and collaboration among its members. It offers a distinct approach to lending and borrowing, emphasizing fair terms and transparent processes. By prioritizing a more human-centered approach, SoLo Funds aims to create a supportive financial ecosystem for its community.
Available on both the Google Play Store and Apple App Store, SoLo Funds has garnered positive ratings and a significant number of downloads. This indicates a growing interest in its community-based financial services.
One of SoLo Funds’ main advantages is its supportive community, where members can help each other by lending and borrowing funds. The platform also emphasizes fair terms and transparent processes, ensuring that users understand the terms of their transactions.
However, it’s important to note that SoLo Funds offers a limited range of services compared to traditional banking institutions. Additionally, users may need to register separately for certain additional services offered by the platform. Despite these limitations, SoLo Funds provides a valuable alternative for individuals seeking a more community-oriented approach to financial assistance.
19. Cash App
Cash App is a versatile financial services platform that offers a range of benefits, including convenient money transfers, investment opportunities in stocks and Bitcoin, and discounts on everyday purchases. It aims to provide a faster and more streamlined banking experience, eliminating many fees associated with traditional banking institutions.
Cash App has received overwhelmingly positive reviews on both the Google Play Store and Apple App Store, boasting millions of downloads and a large user base. This reflects its popularity and widespread adoption as a convenient financial tool.
The primary advantages of Cash App include its user-friendly interface, making it easy for users to navigate and utilize its various features. Additionally, it offers several money-saving features, such as discounts and cashback rewards.
However, it’s important to note that Cash App’s functionalities are more limited than other financial apps. While it excels in peer-to-peer payments and basic investment options, it may not offer the comprehensive suite of features found in dedicated banking or investment apps. Furthermore, engaging in trading activities through Cash App carries inherent risks, as with any investment platform.
20. Branch
Branch is a mobile app that allows users to conveniently access cash advances up to 50% of their pay. It simplifies the process by eliminating credit checks and intricate procedures, providing a quick and easy solution for those needing funds.
Branch has garnered positive reviews on both the Google Play Store and Apple App Store and boasted a significant number of downloads. This indicates its popularity among users seeking convenient access to cash advances.
One of the main advantages of Branch is its user-friendly interface, making it easy for individuals to navigate and utilize its features. The app also offers convenient cash advances, providing quick financial assistance when needed.
However, it’s important to note that Branch cash advances are limited to a percentage of your pay, which may not be sufficient for those requiring larger amounts. Additionally, certain restrictions or eligibility criteria for accessing the service might apply, so it’s advisable to check the app’s terms and conditions for detailed information.
The Dave App
The Dave app stands out as a cash advance app that offers unique personal finance features to help users manage their finances effectively. Unlike many other apps in this space, Dave provides the potential for cash advances up to $500, though the exact limit depends on individual qualifying factors and may fluctuate.
A $1 monthly membership fee is required to use Dave, even when you may not actively utilize the app. To request a cash advance, simply sign up with Dave and submit your request through the app.
You’ll need to meet certain criteria to qualify for a Dave cash advance. These include having an active checking account for at least 60 days, demonstrating a history of at least two recurring direct deposits from your employer, and maintaining a positive balance in your account.
In addition to these factors, Dave assesses your spending patterns within your linked account, the remaining time until your next payday, and your monthly direct deposit amount. Notably, Dave doesn’t perform a credit check for cash advances, so your credit score remains unaffected.
Once approved, you can send your funds directly to an external bank account free of charge or an external prepaid debit card for a small fee. Alternatively, opening a Dave Spending account (through Evolve Bank & Trust) grants you immediate access to the funds. Repayment is conveniently handled through an automatic withdrawal on your next payday.
How to sign up for Dave
While you can initially register for the Dave app online, you must download the mobile app to request a cash advance. The cash advance feature is exclusively accessible through the app.
Frequently asked questions
Here are the most frequently asked questions about similar apps like Dave:
How do you apply for apps like Dave that provide funds?
Applying for cash advance apps like Dave is typically a straightforward process. You’ll usually be asked to provide information to verify your identity and then securely link your external bank account to the app. This enables the cash advance app to assess your financial stability and ensure you have a regular income to repay the advance on your next payday.
It’s important to note that you may not qualify for a cash advance if you have a history of negative balances or a newly opened bank account. These apps typically require a demonstrable track record of responsible financial management to ensure the timely repayment of advances.
How quickly do you get an advance using apps like Dave?
The speed at which you receive a cash advance from apps like Dave can vary. The standard transfer time for a free cash advance typically takes a few business days to process.
However, if you’re facing an urgent situation and need access to funds quickly, most apps offer an expedited transfer option for a small fee, usually $5 or less. This lets you receive your cash advance within minutes, providing a much faster solution than the standard processing time.
What is the biggest cash advance you can make with apps like Dave?
While most cash advance apps generally cap advances around $200, some platforms offer the potential for higher amounts, ranging from $500 to $1,000. However, it’s important to understand that these larger advances are not typically available right away.
Most apps require users to demonstrate a consistent track record of successfully repaying smaller advances before unlocking access to larger amounts. This approach helps ensure responsible borrowing and minimizes the risk of financial strain for both the user and the app provider.