12 Best Apps Like Dave to Get Cash Advance Easily in 2024: Is There Anything Better?

Dave can let you borrow up to $500 for only a $1/month. Its a great deal. But do you have better options? Read on to learn more.

Dave is a reliable cash advance app when you need to borrow up to $500. But what if you need more than that?.

You never know when you can use an extra buck. And sometimes, you need it right away.

Fees apply to use Lightning Speed. Lightning Speed may not be available to all Community Members. Transfers may take up to thirty minutes, actual transfer speeds will depend on your bank connection. EarnIn services may not be available in all states. Restrictions and/or third party fees may apply, see Cash Out User Agreement at EarnIn. com/TOS for details.

Its a good thing there are other cash advance apps like Dave. So if youre ever cash strapped, all hope is not lost.

When should you use Dave?

You can pull Dave out of your pocket during emergencies. It takes 1-3 days to transfer your advance into your bank account via ACH. But you can opt for the express delivery option to transfer immediately for a fee.

If you struggle with spending, however, you may want to keep Dave out of your phone. Its convenience can make it easy to get trapped into a debt cycle.

• No interest, credit checks, or late fees
• No lengthy application process or waiting period
• Sign up in minutes

13 Best Apps like Dave

Here are 13 good Dave alternatives for when your cash runs low. They each have their own perks too.

Lets start with an app for the employed.

credit earnin

Up to $750 per pay period Balance shield feature No monthly fees, no interest, no credit checks

Requires your bank details Asks for your timesheet Only for employed people

Loan amount: Up to $100 per day; Up to $750 per pay periodProcessing time: 1-3 business days, or in minutes for a feeRepayment date: On or after your payday

Why we like it: Need a bit more than Daves $500 maximum? Earnin steps in to bridge that gap. Depending on your earnings, you can cash out up to $750 per pay period. But theres a daily cap of $100 per day.

With Earnin Cash Out, you get access to your pay before payday through seamless transfer to your linked bank account. Need funds in a flash? Their Lightning Speed transfer gets you your money instantly.

There are no credit checks, interest, or mandatory fees. Plus – no late fees, so theres no risk of dinging your credit if you miss a repayment.

And its free to use. Just an optional tip if you like what they do (but theres zero obligation).

Earnin Requirements: Heres what you need to use Earnin Cash Out:[1]

• To track your hourly earnings, you can use a PDF timesheet, an electronic timekeeping system, or a permanent work location.
• Checking account with more than 50% of your direct deposit
• Regular pay schedule

Other Features: Earnins Balance Shield feature acts as a safety net. Earnin can automatically transfer $100 of your earnings to keep you afloat if your checking account balance drops.

• You can access money you’ve already earned up to $750 per pay period.
• No mandatory fees
• No credit check

No credit check No late fees and no interest Earn points for more cash

Lower loan amount than other apps Need consistent pay schedule

Loan amount: Up to $200Processing time: 1-3 days; or within 24 hours for a fee ($2. 99 to $8. 49)[2]Repayment date: Automatically based on your next payday.

Why we like it:Klover is quick and easy to get started, and theres no monthly fee. Even though your paycheck isn’t due for another two weeks, you can receive a cash advance of up to $200 as soon as you’re approved.

Not only that, but Klover offers additional ways for you to win money! You can earn points by completing tasks such as watching advertisements, completing surveys, and scanning receipts. And then cash out your points for a bigger advance.

Or you can use points to enter the daily sweepstakes. Everyday, Klover awards a $100 winner and five $20 winners. Who knows, you just might get lucky.

Klover Requirements: Heres what you need to use Klover Balance Boost:[3]

• within the previous 60 days, at least three direct deposits were made to your primary checking account.
• The checking account needs to be active and in good standing for the previous ninety days.

All your deposits must come from the same employer. And you need to be paid on a weekly or bi-weekly pay schedule, 7 or 14 days apart.

Other Features: The Klover app also has helpful tools to level up your money game. You can create budgets and savings goals and track your credit score. Get spending insights so you see where you can cut back.

• Sign up quickly by providing your name, email address, and phone number.
• Establish a connection between your bank and account so we know where to send your money.
• Access your money: Apply for a $200 maximum Klover advance without a credit check.

This next app provides more than a cash advance. It also helps you build and protect your credit. Read on.

CREDIT hellobrigit

Flexible repayment date No credit checks or interest Free finance tools Credit builder feature

High subscription fee Lower cash advance amount

Loan amount: Up to $250Processing time: 1-3 business days; w/in 20 mins. for a feeRepayment date: Flexible repayment date.

Why we like it: Compared to Daves $1 monthly fee, Brigit charges $9. 99 – $14. 99 a month. [4] But you get more features that could be worth the fee.

Brigits cash advance feature is called Instant Cash. There are no credit checks or interest fees. And you can choose when to repay, which can help you budget according to your own terms.

It also offers peace of mind with credit monitoring and up to $1 million in identity theft reimbursement.

Premium members get access to the Credit Builder. This lets you build credit by saving as little as $1/month. Payments are recorded with the credit bureaus, and at the conclusion, you receive a small savings nest egg.

Brigit Requirements: To get Brigit Instant Cash, you need:[5]

• An active checking account for a minimum of sixty days
• More than $0 in your balance
• 3 recurring deposits on your account from the same source

Other Features: The Brigit app helps you find side gigs to make extra cash. You can also get offers and discounts from Brigits partners.

However, if you only need a little assistance with budgeting, the app offers free features to assist you in keeping tabs on your earnings, expenses, and bills.

• No interest, late fees, or tipping
• No credit check
• Just $9.99/mo. Cancel anytime

This next app offers many features. Its particularly useful if you want to get into investing.

Free cash advance feature No credit checks and interest Many finance tools

Needs bank account access Regular delivery to an external account takes a longer time

Loan amount: Up to $500Processing time: 2-5 business days; w/in minutes for a feeRepayment date: Next payday

Why we like it: Known for having multiple features, MoneyLion can be your all-in-one finance app. MoneyLions Instacash is free and gets you up to $500 cash advance.

Regular delivery to an external bank account takes 2-5 business days. But you can get your money quickly for a fee. Just opt for Turbo delivery.

There are also finance tools you can use to manage your money better. This makes MoneyLion a great app for making better financial decisions.

MoneyLion Requirements: To access their no-interest and no-credit-check service, heres what you need:[7]

• An account that has at least two months of activity
• A positive balance on the account
• A history of recurring income deposits in the account

Other Features: Crypto Auto Invest helps you start your crypto portfolio, specifically Bitcoin and Ethereum. This feature costs $19. 99. [8].

On the other hand, Managed Investing is a beginner-friendly investing feature. Through it, MoneyLion can help you kick-start the right investments.

Need a faster processing time with no fees? This next app provides just that.

1-day processing time 14-day free trial Debit card with cashback deals

Lower cash advance amount Costly $8 subscription fee

Loan amount: Up to $250Processing time: 1 business day; w/in 1 hr. for a feeRepayment date: Next payday

Why we like it:Empower Cash Advance lets you take a $250 cash advance with a 1-day standard delivery. Its good for emergencies.

However, this fast processing time comes at a cost. Their subscription fee costs $8/month. [9] But there is a 14-day free trial you can use before you commit.

There are also no interest, late fees, and credit checks.

Other Features: The Empower Card is a debit card you can get with no overdraft fees. It has up to 10% cashback offers. [10] And you can get instant cash advance delivery for free.

Speaking of overdraft fees, do you need spotting features? You can go for Chime instead.

credit chime

Immediate spotting No credit checks No monthly fees

$200 qualifying deposit Needs a separate Chime debit card

Loan amount: Spot $20 to $200Processing time: ImmediatelyRepayment date: On your next deposit or payday

Why we like it: SpotMe is Chimes debit card feature that can spot you up to $200. With no need for a credit check or minimum balance, you can automatically avoid overdraft fees.

And compared to Dave, Chime doesnt charge monthly fees. But you would need a separate debit card to receive the cash spot.

Because spotting is immediate, its convenient for urgent needs.

Chime Requirements: Heres what you need for Chime SpotMe:[12]

• An activated Chime Visa Debit Card
• A deposit account that is connected to Chime
• A $200 minimum qualifying deposit must be made 34 days prior to requesting an overdraft spot.
• You should be at least 18 years old or older

Other Features: With a Chime Checking Account, you get no overdraft or monthly fees. And it can get you your wages 2 days before your payday. Chime is fee-free at over 60,000 ATMs in establishments like CVS, Walgreens, and 7-Eleven and has no foreign transaction fees.

Next, lets talk about a cash advance app that can help you avoid impulsive buying.

Instant cash advance Choose your repayment date No interest

Fixed fee for cash advance above $20 Separate debit card Requires a qualifying deposit

Loan amount: Up to $250Processing time: InstantlyRepayment date: Choose your own (within 15 to 30 days)

Why we like it:Varo Advance is an interest-free $250 cash advance app. But unlike Dave, Varo doesnt charge a monthly subscription fee.

Instead, theres a fee for every cash advance above $20. So its definitely on the pricier side. Heres how much it can cost you:

Loan Amount	Varo Fee
$20	Free
$50	$4
$75	$5
$100	$6
$150	$9
$200	$12
$250	$15

The fee per cash advance can help you control your spending, however. Is paying $15 for a $250 cash advance worth the impulsive buy? It can make you think twice.

Varo Requirements: If you want to take Varos deal, heres what youll need:[13]

• a Varo Bank debit card with a positive balance that has been in use for at least thirty days
• a qualifying direct deposit of at least $1,000 to your Varo Bank Account

Additional Features: You can use Varos banking services with no monthly maintenance or overdraft fees when you have a Varo Bank Account.

But what if your needs exceed these loan amounts? The following applications might be able to help.

Up to 50% of your pay Cash Pick-up at Walmart 1-day processing time

Only accessible if your employer is partnered with Even

The loan amount can be up to 100% of your salary. Processing time is one business day, with no additional fees. Repayment is due on or after your pay day.

Why we like it: With Even, the cash advance amount depends on your pay. You can access up to half of it before payday. So if you make $1,000 per payday, you can get up to $500 with Even.

And its employer-sponsored. That means your company will handle everything you need to get the account ready.

You can claim your cash advance through your bank. Or you can pick it up at a Walmart MoneyCenter. If youre a Walmart employee, your salary is available on Even for free.

Additional Features: The app has budgeting tools that can significantly increase the value of your cash advance.

Up to 50% of your pay Your employer handles your app requirements Convenient digital wallet

Employer sets the maximum loan amount Standard bank delivery takes 3 days

The loan amount can be up to 100% of your payback amount. Processing time takes three business days (bank account). Repayment date is the following payday.

Why we like it: Similar to Even, you can take up to half of your pay in advance using Branch. Their cash advance feature is called Earned Wage Access. And its also employer-sponsored, so you dont have to worry about the requirements.

That said, the cash advance you can take would depend on your employer. You can withdraw the amount from your bank account. But if you need the money instantly, you can get it through the Branch digital wallet.

There are also built-in cashback rewards for all digital wallet users. You can use it for gas, food, and more.

Other Features: Branch has a CashFlow feature which gives you information about your spending. It can help you create budgets too.

This next app offers more than cash advance and finance tools. Check it out.

No credit check Instant spotting Doesnt charge interest

Requires a Genius subscription to access Instant overdrafts

Loan amount: Up to $250 spotProcessing time: InstantlyRepayment date: Automatic upon Albert Cash account fund deposit

Why we like it: With Albert’s comprehensive financial tool, you can receive your paycheck up to two days early and be protected against up to $250 in overdraft fees.

Youll just have to repay your last overdraft to take another. You wont be charged interest or late fees. There will also be no credit checks needed.

Keep in mind that you can receive the spot instantly.

Albert Requirements: Heres what youll need for Albert Instant:[16]

• An active bank account linked to an Albert Cash account
• Has activated Smart Money feature on the app
• Has turned on overdraft coverage in app settings
• An Albert Cash account and Genius account in good standing

Other Features: Albert Cash is Alberts debit card feature. You can access your paycheck 2 days earlier with it.

Next, we have another employer-sponsored app with many financial tools.

Employer manages the requirements Walmart Cash Pickup option Finance counseling features

Employer determines maximum loan amount Charges per debit/payroll card/cash pickup transfer

Loan amount: up to 2050% of your pay. Processing time: 2–3 business days. Instantaneous for a fee. Repayment date: on your next paycheck.

Why we like it:PayActivs cash advance feature is called Earned Wage Access. It can get you up to 50% of your pay per pay period. But because it is employer-sponsored, your employer determines the maximum loan amount.

You can get your money instantly for less than $3. You can access it through your debit or payroll card. But you can also pick up the cash at Walmart. [17].

Through an ACH bank transfer, you can obtain your money without having to pay the fee. Youll just have to wait 1-3 business days for it.

Other Features: Practical tools are also accessible on PayActiv. They are useful for improving your finances, spending, and savings. You can even use the app to pay your bills.

Theres also a Financial Counseling feature that gives you access to a certified credit counselor. Its useful for those looking for professional help in building their credit, managing debt, etc.

This next app can give you the highest loan amount on this list. It can get you your whole pay in advance.

Up to 100% of your pay Fast processing time No pre-existing bank account needed

Employer needed Charges a fee for bank account, payroll, and debit card transfers

Loan amount: up to $1,000 per day; up to 10% of your pay [19] Processing time: instantaneous or up to one business day [20] Repayment date: automatically deducted from your pay

Why we like it:DailyPays On-Demand Pay can get you up to 100% of your earned pay. You read that right. Using DailyPays reloadable card, you can get all of your earned pay before payday.

Its great for you when you need more than the $500 Dave offers. They have a quick processing time, too. But they do charge a fee for bank account, payroll, and debit card transfers.

Instant delivery costs $2. 99 per transfer. Next business day transfers cost $1. 99. You can also make up to 5 transfers per day. Keep in mind that DailyPay is employer-sponsored. So its only available if your employer is partnered with DailyPay.

Other Features: You can use your DailyPay card in any store that takes Visa debit cards. Theres no need for a pre-existing bank account.

There are also saving tools that can help you save portions of your money. You can use it for emergencies or future expenses. For your first three pay periods with DailyPay, your available balance starts at 50% of your gross pay.

This next app can help you manage your payments better. You wont need to worry about paying off your loan in one go.

Gets you a loan even with bad credit Pay in installments No interest or late fees

Needs access to financial history Could take up to 5 days $250 limit for California users

Loan amount: Up to $500; Up to $250 (in California)Processing time: 1-2 days (ACH); around 1 hr. (debit card)Repayment date: 4 equal payments w/in 2 months (8 weeks)[22].

Why we like it:Possible Loan lets you take an interest-free loan of up to $500, even with bad credit. And compared to all apps on the list, Possible takes repayment in installments.

Theres a 29-day grace period which could provide some leeway for you. There are also no late fees.

Instant Possible transfer to your debit card takes around an hour. While ACH transactions take an average of 1-2 days. Although, the maximum processing time could be up to 5 days. Unfortunately, if you reside in California, you can only get up to $250.

Possible Loan Requirements: Heres what youll need to get a Possible loan:[23]

• Social Security number
• Valid state-issued ID or drivers license
• A minimum monthly income deposit of $750, a positive account balance, and a three-month transaction history are required for a checking or savings account.

After reading about these apps similar to Dave, let’s review what Dave actually has to offer. That way, you can make a better comparison.

Dave can get you from $25 to $500 in advance. It also doesnt charge an ATM fee to access your money at over 37,000 MoneyPass ATMs.

Compared to banks and lenders, Dave doesnt charge interest or late fees. There are no credit checks needed. And you can repay on your next payday.

Its convenience is definitely one of the reasons why its rated 4. 8 out of 5 stars on the App Store.

• No interest, credit checks, or late fees
• No lengthy application process or waiting period
• Sign up in minutes

Best Cash Advance Apps Like Dave | Best Apps like Dave to Get Cash Advances Easily