# Dave: Credit, Cash & Money App — Get Paid Early, No Hidden Fees

> Financial app offering cash advances, early pay, savings, and fee avoidance. (iPhone/iPad app by Dave, Inc.)

- Source: https://appshunter.io/ios/app/dave-credit-cash-and-money-app/id1193801909 (this page in markdown: same URL + `.md`)
- Developer: [Dave, Inc](https://appshunter.io/developer/1193801908)
- Category: Finance
- Price: Free
- Rating: 4.80/5 from 888,111 App Store ratings · 4,981 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.5 · 190 MB
- Languages: American English
- Released: 2017-04-20
- Data updated: 2026-09-04
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/dave-credit-cash-and-money-app/id1193801909/reviews.md

## What is Dave?

Take your finances to the next level with Dave. You could pocket up to $500¹ with ExtraCash® and so much more.

Dave Membership Information
¹Dave 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 authorized 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.

UP TO $500 IN 5 MIN OR LESS¹
Remove extra stress with ExtraCash® up to $500. There’s no credit check, interest, or late fees. 

EXTRACASH 101
ExtraCash offers the ability to get between $25-500 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 INSTANTLY²
You could get up to $500 when you download Dave, link a bank account, choose your amount, and transfer it to your Dave Checking account. And with your Dave Debit Mastercard®, you’ll get instant cash.

GET PAID EARLY
Receive your paycheck in advance, up to 2 business days early when you set up direct deposit.³

SAY GOODBYE TO PESKY FEES
Don’t worry, we’ll never hit you with hidden fees. You can even skip ATM fees at 40K+ MoneyPass ATMs.⁴ Enjoy the freedom to get money with no interest, no credit check, and no late fees. Dave provides a better path to your money than a traditional payday loan or cash advance.

OUR MEMBERSHIP FEE
There’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 app:
²Express fees apply to select instant transfers. See your fee schedule in-app.
³Early 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.
⁴ATM 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 Terms
See the Dave Checking Deposit Agreement and Disclosures and the Dave ExtraCash™ Deposit Agreement and Disclosures for account terms 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.

Dave is not affiliated with payday loan, instant cash advance, or other money apps to access paycheck early with an instant payday, such as Albert, Brigit, CashApp, Chime SpotMe, Cleo, Earnin, Empower, FloatMe, Instacash, Kikoff, Klover, or MoneyLion.

## Key features

- Up to $500 cash advance
- No credit check or interest on advances
- Get paid up to 2 days early
- Avoid ATM and hidden fees
- Effortless savings accounts
- Financial management tools

## Chart rankings

- #25 in Top Free · Finance (US App Store)

## What do users think of Dave?

Overall sentiment: neutral

**Pros**

- 🚀 Quick and easy to use
- 💰 Helpful for financial emergencies
- 👍 Convenient and user-friendly
- 🌳 Donates to charity with tips
- ⚖️ No interest or fees (besides optional tip)

**Cons**

- 🤔 Inconsistent advance limits
- 🕰️ Slow to update payment information
- 🤑 Tricky to avoid extra fees
- 🔒 Concerns about security and identity verification
- 🤯 Frustrating customer support experiences

**Commonly reported bugs**

- Incorrect advance amounts shown
- Delays in fund transfers and deposits
- Accounts being locked or closed unexpectedly

**Most requested features**

- More flexible repayment options
- Ability to reschedule repayment dates
- Improved syncing with bank accounts
- Clearer communication of policies and fees

## Recent user reviews (10 of 4,981)

All indexed reviews: https://appshunter.io/ios/app/dave-credit-cash-and-money-app/id1193801909/reviews.md

### 1/5 — App is down

*2026-09-01, version 4.10.0*

It keeps loading for a few minutes and then just says something went wrong and tells me to refresh.

### 1/5 — Fix the app

*2026-09-01, version 4.10.0*

Please fix the bugs on this app. Can’t get advance

### 4/5 — Chris r

*2026-09-01, version 4.9.1*

Great great I love Dave

### 5/5 — ❤️

*2026-09-01, version 4.10.0*

Awesome

### 1/5 — Locked out of my account

*2026-09-01, version 4.10.0*

If you like being locked out of your account after using the app a few times and the customer service not doing anything to help you gain your account back than this is the app for you. I’ve been locked out of my account for 2 months now and everything I try reaching out to customer service they are no help, very aggravating

### 2/5 — Eh

*2026-09-01, version 4.10.0*

Does what it’s suppose to do, But they put you in inconvenient situations too often. If you are late ONE WEEK with repaying despite consistently playing for month on in THEY WILL drop what you want to advance. They gave me $150 to advance and being late one week dropped it to $50. Little things like that WILL happen, and the fees is a different complaint of its own.

### 5/5 — Awesome Babk

*2026-09-01, version 4.9.1*

Dave is the best. They’re not just a loan company, they’re able to help with all areas of your finances. Be patient and make sure you settle when it’s time. Settling early is an option. I believe it helps your credit and borrowing power.
Thank you Dave.

### 1/5 — Not good

*2026-09-01, version 4.10.0*

Changed my advance amount after paying on time three times.  Now I get less money.

### 5/5 — Greatest

*2026-09-01, version 4.10.0*

This was super easy to get an advance. Just connect your bank account and your end. After a few on time payments your amount will go up. Helped me when I needed it the most.

### 5/5 — Dave

*2026-09-01, version 4.9.1*

The customer service is top notch! Dave is easy to use and feed for an advance are very small compared to others ! Will not take out money if it’s not there !

## Frequently asked questions about Dave

### What does the Dave app do?

The Dave app provides financial services including cash advances up to $500, early access to paychecks, fee-free ATM withdrawals, and savings accounts. It aims to help users manage their money better and avoid common financial stresses.

### How does the ExtraCash feature work?

ExtraCash allows eligible members to borrow up to $500 with no credit check, interest, or late fees. Eligibility is determined by income history, spending patterns, and recurring deposits. The borrowed amount is repayable on demand.

### Is there a cost to use Dave?

Yes, there is a small monthly membership fee that grants full access to the app's features, including ExtraCash, Income Opportunity Services, and Financial Management Services. Optional fees may apply for external debit card transfers.

### Can I get paid early with Dave?

Yes, you can receive your paycheck up to two business days early by setting up direct deposit into your Dave account. This feature depends on the timing and availability of payroll files from your employer.

### Who is the Dave app for?

The app is designed for individuals who want to improve their financial management, gain easier access to funds when needed, avoid overdraft and ATM fees, and build savings for future goals.

## Version history (last 5 releases)

### 4.10.0 — 2026-08-29

What’s a bear use to squash bugs? A constant, rigorous quality assurance process with multiple rounds of testing and review.

We’re constantly updating the app to improve your experience and create the features you’re looking for. Remember to update the app to ensure you’re using the latest version.
As always, if you run into any issues, please visit https://support.dave.com/

### 4.9.1 — 2026-08-23

This app is for bears and humans only. No bugs allowed. That means you, accidental double-space in the onboarding flow. You’re out of here.

We’re constantly updating the app to improve your experience and create the features you’re looking for. Remember to update the app to ensure you’re using the latest version.
As always, if you run into any issues, please visit https://support.dave.com/

### 4.9.0 — 2026-08-15

Bears love nature and that usually includes bugs. Not me though. I can’t stand them. So this release, I tracked a few down and kicked them out.

We’re constantly updating the app to improve your experience and create the features you’re looking for. Remember to update the app to ensure you’re using the latest version.
As always, if you run into any issues, please visit https://support.dave.com/

### 4.8.0 — 2026-08-09

What’s black, white and great at getting rid of bugs? The panda I recently hired to QA my app. You’re doing great, buddy!

We’re constantly updating the app to improve your experience and create the features you’re looking for. Remember to update the app to ensure you’re using the latest version.
As always, if you run into any issues, please visit https://support.dave.com/

### 4.7.0 — 2026-08-03

This app is for bears and humans only. No bugs allowed. That means you, accidental double-space in the onboarding flow. You’re out of here.

We’re constantly updating the app to improve your experience and create the features you’re looking for. Remember to update the app to ensure you’re using the latest version.
As always, if you run into any issues, please visit https://support.dave.com/

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-04.*