Looking for other apps like Dave? Dave is a popular cash advance app. It is advisable to research to find a cash advance app that suits your needs. If you are looking for a small cash advance, there are many options.
I found many cash advance apps that offer great cash advances, as well as other personal finance features to help you stay on track. The features include budgeting tools, debt repayment plans, and more.
11 Apps Like Dave
Here are the top apps like Dave that you can use to get small cash advances with low or no fees:
1. Albert
Albert is another popular cash advance app offering up to $250 in cash advances. You can get up to three cash advances per pay period, but the total cannot exceed $250. You don’t have to worry about missing a payment because payments are automatically deducted from your paycheck.
Albert has a cash advance feature. When you’re in a pinch, Albert’s cash advance feature is an easy way to bridge the gap between paychecks.
To qualify for Albert’s cash advance feature:
- Have an active checking account for at least 60 days
- Prove you have direct deposit in the active checking account
- Provide proof of a stable income for at least the last 60 days from the same employer
- Prove you have funds in your account 24 hours after payday
Albert is free and like most apps, you will start with a lower amount and work your way up with a positive repayment history. Albert will never require you to pay any hidden fees or interest, as it is committed to providing a secure and transparent experience for its users. If you have trouble, you can work out a plan for an extension. The repayment process doesn’t require any additional paperwork.
Pros:
- No monthly service fees
- Early access to direct deposit funds
- Can advance up to $250
Cons:
- No joint accounts allowed
- Most features require an $8 monthly subscription
- APY on savings accounts is low
2. Chime
Chime is a cash advance service that offers up to $200 on debit card purchases and cash withdrawals. SpotMe does not charge overdraft fees, but it is not a cash advance. The SpotMe program helps customers manage their finances more effectively, so they don’t have to worry about having to pay overdraft fees. You can still get a line of credit when you use your Chime card. You can use your line of credit to make purchases from your Chime account instead of using a card.
Users with a positive history can work up to $200 with a lower credit limit. The user can apply for higher credit limits once they reach $200. Chime will reduce your available line if you exceed your bank account limit. Chime will take the payment from your next paycheck to repay the loan. You can get the money you need quickly because the process is simple.
To qualify for Chime’s cash advance feature:
- Have direct deposits of at least $200 in the last 30 days
- Have an active Chime Visa debit card
Pros:
- No fees for overdrafts, monthly service fees, or penalty fees
- Early access to your paycheck
- Can access up to $200 if needed
Cons:
- Cash advances are only allowed with a Chime bank account and Visa debit card
- Initial limits are low
3. Varo
Varo doesn’t require tips or interest on cash advances of up to $100. Varo’s cash advances are a great way to get quick access to the funds you need without having to worry about extra costs. You pay a flat fee based on the advance amount and repay it on your next paycheck.
To qualify for Varo’s cash advance feature:
- Have an active Varo checking account for the last 30 days
- Received at least $1,000 in direct deposits in the last 30 days
- Have an active Varo debit card
Varo will withdraw the funds if you don’t repay your advance on time.
Pros:
- Cash advances of $20 or less have no fees
- Early access to your direct deposit paycheck
- Access to many online banking features
Cons:
- The cash advance limit is low
- The fees compared to the cash advance limits are high
4. Axos
Axos isn’t a cash advance app like Dave because they don’t offer loans or cash advances. Direct Deposit Express is a service that gives access to your paycheck a few days early. Those who need access to their funds quickly can use this service.
Most banks make you wait until the deposit clears before you can access your paycheck, but Axos gives you early access. You don’t have to wait for the money to become available if you access your paycheck immediately. When your employer deposits your check, Axos will give you immediate access to the funds, which is a few days before your due date. Many workers need this early access to funds to stay afloat until their next paycheck arrives.
When the funds clear, Axos advanced you the funds before they cleared. The advanced funds are deducted from the original amount.
Pros:
- Early access to your paycheck without worrying about cash advances
- Increase your APY on account balances with simple tasks like direct deposit or using your Axos Visa debit card
- No monthly fees
Cons:
- There isn’t a cash advance option if you come up short before payday
- You need $50 to open an account
- You must set up direct deposit with Axos for early paycheck access
Pros:
- You can get access to your earned income as you make it
- There aren’t any fees or interest
- You’ll know when your bank account is low to avoid overdrafts
Cons:
- You must have direct deposit set up
- You must provide Earnin with access to your checking account
- It can be a bad habit to access earned funds early
To use Earnin, you must download the app on iOS or Google Play.
6. Payactiv
Another app that advances earned income to you is Payactiv. Up to 50% of your wages can be accessed in advance with no fees or interest. If your employer subscribes to it, this app will work. If your employer doesn’t currently subscribe to the app, you may want to suggest that they do so in order to take advantage of its features.
You will have access to funds as you earn them if your employer uses Payactiv. You can withdraw cash or transfer funds to a bank. You can use the funds to make purchases online or pay bills.
If your employer offers Payactiv, you will be able to transfer your earnings from one day to the next. You have the power to access your money when you need it, thanks to Payactiv, which allows you to transfer up to 50 percent of your wages before your next paycheck. Automatic transfers can be set up. If you access funds early on your payday, Payactiv will keep the portion advanced to you. Financial education and access to discounts are provided by Payactiv.
Pros:
- Access your pay as you earn it
- No fees or penalties
- Offers many other standout features even if your employer doesn’t subscribe
Cons:
- You can’t access earned funds without your employer signing up
- This could lead to bad habits of spending money before payday
- The site isn’t very user-friendly
If your employer signed up for Payactiv, click here to enroll with your employee ID; if not, click here to get started.
7. MoneyLion
Some MoneyLion members have cash advance limits as high as $500. MoneyLion has budgeting tools that members can use to better manage their finances. MoneyLion is a personal finance app that helps members get control of their finances and reach their goals. MoneyLion provides a wide range of services, such as budgeting tools, credit monitoring and more, to ensure members have all the resources they need to succeed.
MoneyLion will give you a cash advance if you link your bank account and direct deposit your paycheck. You can apply for a cash advance and get your funds in as little as 24 hours. If you open a You may be able to get cash advances as high as $1,000. You can start building your credit score with a MoneyLion RoarMoney Account.
To qualify for MoneyLion’s cash advance feature:
- You’ve had an active checking account for 60 days
- You receive regular direct deposits from your employer
- Your account has not been negative
You can pay a small fee to get instant access to most transfers. The cost of the expedited transfer is covered by the Turbo Fee.
Pros:
- Offers easy access to cash advances between paydays
- The robust app offers many personal finance features
- Offers the option to get much higher cash advances with a MoneyLion bank account
Cons:
- You need a MoneyLion bank account for higher cash advances
- Cash advances take longer than most apps
8. DailyPay
DailyPay gives access to 100% of earned income. DailyPay is a financial tool that allows employees to access earned income on-demand, allowing them to receive their pay when they need it. This is a good option for someone who needs more than $500 to cover an emergency. The loan options should only be used as a last resort in emergency situations, and not for frivolous spending.
DailyPay gives employees access to their funds as they earn them instead of waiting for a paycheck. This allows employees to better manage their finances, save money on overdraft fees, and cover unexpected expenses without having to resort to high-interest payday loans. DailyPay is only available if your employer offers it.
Employees can access their funds on their first day with DailyPay. Employees can use their hard-earned money to cover unforeseen costs or plan for the future. You can send the funds to any account or card for a fee, or wait until the next business day to receive them. All of your transactions can be tracked in real-time to make sure the funds have been received.
DailyPay integrates with your company’s timekeeping system so they know how much you’ve worked. You can access your hard-earned wages even before you get paid.
The DailyPay app tells you your earnings after each shift. You can transfer your earnings early or wait until the next day. You can send funds wherever you need them.
Pros:
- Provides access to 100% of earned funds minus taxes and other liabilities
- You can set up automatic savings
- The user-friendly app tells you how much you’ve earned and can access 24/7
Cons:
- It can be a bad habit to access earned funds early, leaving you without money to cover your bills
- You’re only eligible if your employer offers DailyPay
- Customer service is hard to reach
9. Brigit
Dave is an app that offers cash advances and personal finance tools to keep you on track. The initial limits are usually lower if you don’t repay your advances on time. Your limit may increase as you continue to make on-time payments.
Between paydays, brit cash advances are available. The cash advance service can be used to manage short-term financial needs.
To qualify for Brigit’s cash advance feature:
- Have an active checking account for the last two months
- Prove you have at least three consistent direct deposits from your employer
- Your checking account must have a positive balance
If you need more time, you can request it. Many lenders will work with you to find a payment plan that works with your budget. You can pay a small fee for an instant transfer if your deposit takes a couple of days. Depending on your bank, the exact processing time can vary.
There is a monthly fee for access to Instant Cash and other features. You can get up to $250 instantly deposited into your account with Instant Cash.
Pros:
- No interest or fees on cash advances
- Can set up automatic advances to avoid overdrafts
- Works with over 6,000 banks
Cons:
- The monthly fee is high
- An external bank account is required to get cash advances
To sign up for Brigit, download the app on iOS or Google Play and link your external checking account to get started.
10. Even
Another app pays your income early. It’s easy to access your money when you need it, so you can stay in control of your finances. Employees who are eligible can get up to 50% of their income early. The funds can be used immediately and can help bridge the gap between days.
Even works with the country’s top employers to give you early access to your income. You can get paid sooner if this is the case. The amount you need from your earned income is displayed by the app and you can repay it. It’s easier to save money in an instant savings account with the app.
Pros:
- Offers early access to earned funds
- Doesn’t charge interest or fees
- Works with thousands of employers and banks
Cons:
- Accessing funds early can lead to bad spending habits
- Even isn’t transparent about their monthly fee
- Only works if your employer signs up for it
Download the Even app on iOS or Google Play to get started.
11. Empower
You don’t need a credit check to get a $250 cash advance from Empower. It’s easy to get the cash you need when you need it. The transfer takes a few days, but you can pay a fee to get an instant transfer. A percentage of the amount being transferred is the fee for an instant transfer.
To qualify for Empower’s cash advance feature:
- Consistent direct deposits from your employer
- A positive bank account history
- A long history of direct deposits
Your Empower card can be used to send the funds. Domestic and international bank accounts can be used to make transfers from your Empower account.
Pros:
- Track all your finances in one place
- You can get early access to funds to avoid overdrafts. Requesting early access to funds can help you save money in the long run.
- Makes it easy to save money automatically
Cons:
- High monthly cost
- Only allows cash advances up to $250
What Is a Cash Advance App, And How Do They Work?
Cash advance apps cover you in times of need. You can usually be found for between $20 and $200 before your next paycheck. When you can’t afford your current expenses, they’re best used for emergencies. Credit cards should be used with care and manageable payments should be made in a timely manner.
You have to qualify for the cash advance first. You will usually get the cash advance within 1-2 business days after you meet the qualifications. They don’t do credit checks. The process of renting can be simpler for people with a low or bad credit score.
If you want to repay the advance, you need consistent direct deposits and positive balances in your checking account. Your bank account information is an important factor in determining if you can receive a cash advance, so make sure your banking details are up to date.
The Dave App
The Dave app has personal finance features that will help you keep track of your finances. Unlike other cash advance apps, you can qualify for up to $500 in cash advances, but the limit may change frequently. If you apply quickly, you can find out if you qualify and the amount available to you.
The Dave app has a $1 membership fee that you have to pay year-round even if you don’t use it. The Dave app has a number of useful features, such as cash advances and budgeting tools, that make it worth the small fee.
Simply sign up with Dave and request the cash advance. The cash advance will be deposited into your account once your request is approved. To qualify, you must meet the following:
- Have a checking account that’s at least 60 days old
- Have at least two recurring direct deposits in your account from your employer
- Your account must have a positive balance
Dave will look at your spending history in your linked account, the time until your next paycheck, and how much you receive via direct deposit monthly.
Dave doesn’t check your credit for cash advances, so it doesn’t affect your credit score
For a small fee, you can send the funds directly to an external bank account. Dave also offers the option to open a Dave Spending account (through Evolve Bank & Trust) for immediate access to the funds.
You will be able to pay back the funds on your next paycheck. If you don’t have enough funds in your account on that day, there will be additional fees.
How to Sign Up
To sign up for the Dave app, you can register online. When you need a cash advance, you must download the app to request it.
Frequently Asked Questions
It’s possible to get through tough times by using apps like Dave. You don’t have to worry about a long wait for your money with Dave because you can access the cash you need quickly and easily. You don’t need cash advance apps if you find other ways to manage your finances. You can build up an emergency fund by setting aside a portion of each paycheck.
How do you apply for apps like Dave that provide funds?
To apply for Dave, you have to answer questions about your identity and link your bank account. You will be able to access the service once you linked your bank account and answered the questions. If you have a negative balance in your bank account, you may be ineligible for a cash advance because you won’t be able to repay it on your next paycheck. You should be aware of the interest rate associated with the cash advance and ensure that it is manageable in relation to your income.
What is the biggest cash advance you can make with apps like Dave?
Cash advances of $500 to $1,000 are allowed in some cash advance apps. The amount you can advance depends on your credit history. This isn’t going to be right off the bat. It may take some trial and error to find the right approach. You have to prove you can repay smaller advances before you can enable anything larger.
How quickly do you get a cash advance using a cash advance app?
If you want your cash advance for free, the transfer can take a few days. It is important to remember that different banks have different processing times. It is possible to pay a small fee for an instant transfer if you are in a bind. Check with your bank or financial institution to find out the fee associated with an instant transfer.
Are cash advance apps safe?
If you do your research, cash advance apps can be safe. Ensure that your data is secure, check the app’s reviews, and contact customer service if you have any questions. Ensure they use bank-level security, don’t store your bank account information, and use sites like Plaid to access your bank account information. Check the privacy policy of any financial site you use to make sure they don’t share your information with third-party companies.
Are payday lenders and cash advance apps the same?
Cash advance apps are different. Cash advance apps typically have shorter repayment periods and higher loan amounts. Cash advance apps offer low cash advances for small fees, while payday loans have high interest rates. Payday loans can lead to a cycle of high-interest debt, so they should be used with caution. Short-term loans can be hard to repay because of the high interest. It is recommended to look into long-term loans, which have lower interest rates and more manageable repayment terms, as an alternative to a short-term loan.
