What App Will Give You A Loan Without Money Yet

Dave helps improve your financial health with our breakthrough financial tools. Think of us as your financial companion, your banking buddy. We're here to help, not surprise you with fees.

It's easy to sign up and start balancing your budget. Get a cash advance up to $250 (1) to cover daily expenses, search for local side hustles, and access our easy-to-use automatic budgeting tool right from the app.

If you set up your Direct Deposit with Dave, you can get paid up to two days early (2), and build your credit (3) in the process. All without having to worry about overdraft fees.

Fun fact → Dave has saved its customers nearly $200 million in overdraft fees. Not bad, right?

 Here's why millions of members use Dave…

GET UP TO $250 (1)
We'll help you to avoid those pesky charges with cash advances up to $250 for qualified users. No interest, no credit checks.

Easy communication between our bank and yours helps you access money when you need it most.

GET PAID 2 DAYS EARLY (2)
Get your paycheck up to two days earlier. You can deposit paychecks, unemployment benefits, stimulus payments, and tax returns directly into Dave Banking.

BUILD CREDIT (3)
We partnered with our friends at LevelCredit to help you build your credit just by paying rent and utilities on time.

Dave Banking members get this $100 per year service for no charge. Really, it's totally free.

NO HIDDEN FEES
We're not here to surprise you with fees. Dave Banking guarantees no hidden fees, no minimum balance fees, and no overdraft fees. Plus, you get access to over 30,000 fee-free ATMs with MoneyPass.

BUDGET
Intuitive budgeting tools and predictive alerts? We've got you covered. All you need to do is open the app and do your thing.

Our simple planning tool helps you organize upcoming and recurring expenses—such as rent, utilities, and even trips to your favorite restaurants and local shops.

FIND A SIDE HUSTLE
We're also here to help you find ways to earn extra money. You can apply for dozens of side jobs, right from the app—just sort by work-from-home and remote work opportunities to find jobs that fit your lifestyle.

For more information please visit Dave.com.

(1) $250 Cash Advances: Eligibility criteria applies, see Dave.com/terms for more details.

(2) Early Payday: Early access to direct deposit funds depends on the timing and availability of the payroll files sent from your employer. These funds can be made available up to 2 days in advance.

(3) Credit Building: Available after two qualifying direct deposits that total at least $1,000 in a month (combined). Other eligibility requirements may apply. Free one-year subscription to Level Credit. Enrollment required.

What's New

Nov 22, 2021

Version 2.59.0

Humans constantly ask me how I made such a great app. And my secret is simple. I've got the best QA team in the business to help me spot and squash bugs.

If you run into any issues, please go to https://support.dave.com/ to get some help.

Ratings and Reviews

4.8 out of 5

518.6K Ratings

Updated Great app, allowed time to pay!

So far, this app has proven to be reliable. I've started a new job and my second paycheck was still 5 days away when I realized that my bills would barely be out of reach. I saw an ad on tv for Dave and thought it might be a good fit for me. When asking for an advance, I saw that it could take up to 8 hours to transfer, which inclined me to do it sooner than later just in case I would find myself needing the money and not having the time to wait. Next, Dave told me I could pay it back on my next payday, but when choosing an option they only allowed me to select one of the next 2 days. Dave could tell from my transaction history that my next payday wouldn't be for another 4 days and I had a hard time finding out what penalties I would accrue for being late. But, my phone battery was dying, and internet would be shut off if I hadn't gone through with it, so I picked the latest possible day and moved on. Without knowing my outcome of this experience, I'd have to say that so far the app has been straightforward, honest, and very handy for personal bookkeeping. I would just like to know more about my payback options and how I can avoid making a bigger hole than I started with, or else I would give 5 stars.

**update**
I was not charged an extra penalty for taking a little longer to pay back my advance. This was my only concern, but now I feel like Dave has shaken my concerns and fulfills my expectations. Would recommend

Truly Awesome

I found Dave via Facebook and read a lot of comments from people making fun of the service, making it sound like people who need it don't manage their money very well. I was curious to see what it was about and why others feel the need to make fun of people who use it, so I downloaded the app (not expecting to use it, but to just see what it was). As circumstances presented themselves, being a single mom with zero help from the other parent, and trying to provide for my kids (I work full time and go to school full time so I can put myself in a better place, but until then things are pretty tight) - I found myself facing an overdrawn check fee (I wrote a check to register my daughter for school and had something else clear my checking account that wasn't supposed to go through, which means I didn't have enough funds for the check I wrote). I remembered I'd installed the Dave app a couple of weeks ago and within a few minutes, I was approved for a small loan and because I paid the extra $4.99 expedite fee, the money was deposited into my bank account within the hour. Dave only charges a $1.00 fee to loan you the money plus any tip you're willing to donate, but is not required. When your paycheck is due to deposit, Dave takes the loan and fee back out of your bank account and that's all there is to it! It's very easy and painless and definitely worth the $1.00 fee to not have to pay an overdraft/insufficient funds fee to your bank.

Hi krzylkafox, we're so glad to hear about your experience! Happy to have helped you out of a tight spot. Thanks for the awesome review!

Review

I very much appreciate your help, the only thing I have a problem with is that you ask when do I get paid and I put monthly. I guess Social Security, disability on the first, SS on the third. But yet what I do asked for a loan you do two weeks, which puts me sometimes overdraft. But, this time I had two different things to come on my account that shouldn't have I wasn't expecting.
I have a 92-year-old art who wanted me to visit, and her daughter that has cancer and there's no hope for recovery. I think God for allowing me to come. I flew I didn't know now you have to pay two chicken suitcases. So $60 I had not planned to spend. I knew I was on a tight budget, I make sure my phone went and met another bill paid, but I order something and it was supposed to be in free charge me $50. So I'm trying to get home and I need at least $100. I think you for 25 dollars. It's not enough but it helps so you see you is no he did not help me much. And the fact that in the past because you did two weeks and I was desperate for that long it cost $72 to be taken out of my account overdrafted so have you help me no and that is happened more than once. You say one thing and do something else when I first started I said but after that 2X bar I have to find other ways to try to make up when I can't get it from you I would doubt but thank you anyway for what you've done I know you don't have to.

App Privacy

The developer, Dave, Inc, indicated that the app's privacy practices may include handling of data as described below. For more information, see the developer's privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

Financial Info
Location
Contact Info
User Content
Identifiers
Usage Data
Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Information

Seller

Dave, Inc

Size

122.9 MB

Category

Finance

Compatibility

iPhone: Requires iOS 12.0 or later.

iPad: Requires iPadOS 12.0 or later.

iPod touch: Requires iOS 12.0 or later.

Languages

English, Spanish

Age Rating

Copyright

Price

Free

Developer Website
App Support
Privacy Policy

Supports

Wallet

Get all of your passes, tickets, cards, and more in one place.
Family Sharing

With Family Sharing set up, up to six family members can use this app.

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