Dave ExtraCash Review: Cash Advances Up to $500
Dave ExtraCash isn't available on Finder right now.
- Max. Amount
- $500
- Turnaround time
- Up to 3 business days to an external debt card, instantly to a Dave checking or instant to an external bank account for an optional fee.
Our verdict
Get budget-friendly funds with no credit check, but you'll pay a monthly subscription.
Dave’s ExtraCash feature can help you get by when you’re running low on funds. With no interest or late fees, Dave cash advances are a reasonable option. Instant transfers to your Dave account are free, but it charges an optional 1.5% express free for instant transfers to an external debit card. Otherwise, you can wait up to three days to get your money for free. And, you won't need to worry about credit checks, since eligibility is based on banking activity and other factors.
Best for: Small loans to cover budget shortfalls, but watch out for additional fees.
Pros
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No credit check required
-
No interest or late fees
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Membership fee is low
Cons
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Limited advance amount of $500 maximum
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Repayment due quickly, typically on your next payday
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Can automatically pull funds from your linked accounts when your ExtraCash balance drops below a set threshold, set at $0 to begin with.
Is Dave legit?
Yes, Dave is a legitimate banking app that offers cash advances with no credit checks or interest. Dave protects users through industry-standard encryption, FDIC insurance and 24/7 fraud monitoring.
How Dave compares to other lenders
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The Finder Score crunches 3+ types of short-term loans across 65+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you're comparing the best short-term loans for all credit types, you can see how each short-term loan stacks up against other short-term loans with the same borrower type, rate type and repayment type.
What makes Dave shine?
Dave stands out for its cash advances up to $500 with no interest or late fees. You need to sign up for a membership, but Dave charges far less per month than other cash advance apps that work on a similar model. It also charges a simple 5% fee structure including a $5 minimum and $15 cap. There aren’t any additional fees to instantly transfer funds to a Dave checking account, though instant transfers to an external debit card run you an optional 1.5% express fee.
Dave offers extra features in addition to cash advances, including budgeting tools, automatic savings, spending alerts and side hustle opportunities. The app also offers an option to build credit by reporting rent payments through its partnership with LevelCredit.
Where Dave falls short
The biggest place Dave falls short is living up to its advertising. The company claims that users can borrow $500 in under five minutes, but advance amounts are based on banking activity and few users qualify for the full amount. And, without paying a small fee or a having a dave checking account, you’ll have to wait up to three business days for funding to arrive.
Additionaly some users claim they had difficulty canceling their membership.
Dave app details
| Product Name | Dave ExtraCash |
| Max. Amount | $500 |
| Loan Term | Varies (usually repaid on your next payday) |
| Turnaround Time | Up to 3 business days to an external debt card, instantly to a Dave checking or instant to an external bank account for an optional fee. |
| Costs | Monthly membership fee 5% fee structure including a $5 minimum and $15 cap |
| Requirements | Be 18 years of age or older Be a US resident Have a social security number Link an external bank account Have at least two direct deposit paychecks to your bank account from your employer Have extra money in your bank account |
Dave contact information
| Phone number | 844-857-3283 |
| Customer service hours | Monday – Sunday : 4 a.m. to 6 p.m. PT |
| support@dave.com | |
| Live chat | Monday to Saturday: 6 a.m. to 4 p.m. PT |
| X (formerly Twitter) | @DaveBanking |
| @TheDaveApp |
How to qualify for Dave cash advance
While Dave doesn’t check your credit score, there are a few basic requirements that you need to meet, including:
- Be at least 18 years old
- Be a US resident
- Have a Social Security number
- Have an active US bank account
- Have at least 60 days of banking history
- Show proof of consistent income
- Have a bank balance above zero
How to apply
If you’d like to apply for a cash advance through Dave, simply follow the steps below:
- Download the Dave app and sign up. Install the app from the App Store or Google Play, create an account and provide the required personal information.
- Link your bank account. Enter your banking information, then connect your bank account to the Dave app.
- Open an ExtraCash account and check eligibility. Within the app, open an ExtraCash account. Dave will determine your eligibility and available advance amount, this renews daily.
- Request and receive funds. Choose the size of your cash advance and a transfer method to receive the funds. You can get them instantly for free if you’re transferring to a Dave account, within an hour for a fee if you’re transferring to a different debit card, or within one to three business days at no extra cost.
Dave reviews and complaints
| BBB accredited | Yes |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 1.13 out of 5 stars, based on 394 customer reviews |
| BBB customer complaints | 1,250 customer complaints |
| App Store Score | 4.8 out of 5 stars, based on 722,100 customer reviews |
| Google Play Score | 4.4 out of 5 stars, based on 548,000 customer reviews |
| Customer reviews verified as of | 25 April 2025 |
The vast majority of ratings on Google Play and the App Store are either four or five stars. Customers praise the app, saying it has helped them manage their finances and improve their credit scores. There are some complaints mixed in, primarily focused on low cash advance amounts, extra fees charged on cash advances and difficulty canceling their membership.
Reviews on the Better Business Bureau (BBB) paint an entirely different picture. While there are some complimentary comments, most BBB reviews are negative. Customers routinely complain about Dave debiting more than what was owed and continuing to charge membership fees after cancellation. Additional complaints include issues connecting Dave to their bank, not receiving money and poor customer service.
What do people on Reddit say?
There are a couple of posts complaining about the changing cash advance amounts offered by Dave. In response, commenters explained that the amount Dave is willing to lend depends on your banking history. Many agree that optional tips should be avoided, with one commenter pointing out that asking for tips to “feed the hungry” seems ironic since cash advances are often used by people in financial need.
Frequently asked questions
How much does Dave charge for an instant cash advance?
Dave allows instant transfers for free if you’re transferring to a Dave account, within an hour for an optional 1.5% fee if you’re transferring to an external debit card, or within one to three business days at no extra cost.
Can I really borrow $500 from Dave with no credit check?
It’s true that Dave offers cash advances with no credit check required, but the amount you can get is based on your banking activity. If you have a low balance and limited income, it’s unlikely you’ll qualify for the full $500 amount, especially if this is your first time getting a cash advance from Dave.
How do I stop Dave from taking money from my bank account?
To stop Dave from charging your bank account, cancel your membership through the app or by contacting their customer service department. Simply deleting the app from your phone won’t work. If Dave continues to charge for your membership after you’ve canceled it, ask your bank to revoke authorization for Dave and stop payment on any future transactions.
Your reviews
Christi Finder
Contributor
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nikkiangco
March 11, 2020
Hi Barbaraa,
Thanks for your comment and I hope you are well. As it says on the information above:
Yes, you can cancel your Dave membership. You’ll have to do more than just delete the app from your phone. To deactivate your profile, follow these steps:
Open the Dave app and click the icon in the bottom right corner.
Click Account.
Scroll down and click Dave membership.
Click Cancel Dave Membership.
Select the reason why you want to cancel and click Delete.
If you want to reactivate your account, there will be a two-month cool-off period before you can get another advance.
Hope this helps and feel free to reach out to us again for further assistance.
Best,
Nikki
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Nunya
July 02, 2019
I have been trying for 5 days to update my debit card number, it’s the same bank. I keep reading to click on account/profile and edit the card there.. THERE IS NO INFO THERE!!! When I click on the account button there is only a picture of me that’s it!! This is frustrating and the customer service sucks I’ve sent multiple emails
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fayemanuel Finder
July 03, 2019
Hello Nunya,
Thank you for contacting Finder.
If you’re updating your card information, here are the steps to update your debit card:
– From your Dave Profile, click on your current debit card
– Click the debit card again
– Click I got a new debit card
If you want to change your bank account.
– Go to the profile section of the app
– Look at your Account Information
– Click on your bank under “Connected Account & Debit Card”
– There, you’ll see an option to “Change” bank
– Select your new bank and enter your new login information
Hope this helps.
Regards,
Faye
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Connie
June 29, 2019
Haven’t receive my advance is 5days. How do I cancel so I won’t get charge on payday for money I didn’t receive
Bella Finder
June 30, 2019
Hi Connie,
Thanks for your inquiry.
To cancel and deactivate your profile, follow these steps:
1. Open the Dave app and click the icon in the bottom right corner.
Click Account.
2. Scroll down and click Dave membership.
3. Click Cancel Dave Membership.
4. Select the reason why you want to cancel and click Delete.
5. If you want to reactivate your account, there will be a two-month cool-off period before you can get another advance
I hope this helps.
Kind regards,
Bella
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Nicole
May 26, 2019
I was able to get an advance and I paid it back on my payday. Then went back to apply for another advance, and they said I have less than 60 days of transaction history.
Jhez Finder
May 26, 2019
Hello Nicole,
Thank you for your comment.
Dave needs to have 60 days of transactional history in the checking account that you’re requesting the advance to be deposited into, when requesting an advance.
If you’re seeing this message, it likely means that your bank has not sent Dave 60 days of transactional history or your bank account is less than 60 days old.
They will have to wait until your bank sends them information.
Regards,
Jhezelyn
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Kaitlyn
May 01, 2019
I typed in my last name wrong and did not realize it before I verified it. How do I change it?
Jhez Finder
May 01, 2019
Hello Kaitlyn,
Thank you for your comment.
If you’re updating the last name entered for the card information, here are the steps to change your bank:
– Go to the profile section of the app
– Look at your Account Information
– Click on your bank under “Connected Account & Debit Card”
– There, you’ll see an option to “Change” bank
– Select your new bank and enter your new login information
Hope this helps.
Regards,
Jhezelyn
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Barbara
March 11, 2020
How can I cancel my membership for this?