Dave cash advance. Count every ExtraCash fee.

Every example uses 14 days, another bank, $0 tip, one advance per month and no qualifying Varo deposits. Required membership is allocated to this one advance. Total payback includes that membership even when it is billed separately.

Instant examples use an external account. MoneyLion standard delivery still requires MoneyLion Spend. The provider sets the actual repayment date. The 14-day period is a comparison assumption. These are general fee illustrations, with state exceptions and personal limits still to check.

Unpublished charges stay unknown. An amount above the modeled limit stays unavailable; it is not treated as a free advance. Equivalent APR annualizes the cost for comparison and is not the provider's advertised or legal APR.

How Dave works

1. Download the Dave app, open an ExtraCash account (a deposit account at Dave's partner bank) and connect your existing bank account through Plaid; you must also open a Dave Checking account and pay the Dave membership (up to $5/month).
2. Dave's CashAI model reviews the connected account (balance, recurring deposits, spending, account age, and your history with Dave) and sets an ExtraCash limit of $25 to $500; the limit is re-evaluated daily and 'few qualify for $500'.
3. You take the limit in up to 2 ExtraCash transfers (overdrafts of the ExtraCash account). Each transfer carries a mandatory overdraft fee of 5% or $5, whichever is greater; sending it to an external debit card within an hour costs an extra 1.5%. There are no tips.
4. On the settlement date (set around your next payday or the nearest Friday) Dave pulls the full balance from your connected account. The one-time authorization cannot be revoked.
5. If the account is short, Dave takes partial amounts until the balance is settled. There are no late fees, no interest and no credit reporting, but you cannot take new ExtraCash while a balance is outstanding, and an ExtraCash account that stays negative for 60 days is closed.

Who can use it?

Age 18+, US citizen or lawful permanent resident with SSN/ITIN and a US address. Must open an ExtraCash account and a Dave Checking account and keep a linked Dave Checking or external bank account (Dave does not support PayPal, Cash App, credit cards, most prepaid cards or shared accounts). No fixed direct deposit or minimum income rule is published: eligibility is set 'in our sole discretion' from the connected account's recurring deposits and transaction history; on-time past settlements, a positive balance and recurring deposits are listed as positive factors. No credit check.

Where it is available

All 50 states, DC and several US territories per the ExtraCash agreement (US citizens or permanent residents, 18+). No excluded state is published. Dave's Q2 2026 10-Q reports inquiries from the Connecticut and Maryland banking regulators about licensing, and DFPI has told Dave it intends to supervise it under California's CCFPL.

Repayment and failed payments

When and how repayment happens

Automatic 'Balance Settlement' from the linked account(s) on the settlement date, which is set around the next expected deposit or the first/second Friday after the overdraft. The negative balance is legally 'payable immediately upon demand' and can be paid early in the app. Settlement authorization is a single-payment authorization and cannot be revoked.

What happens if a payment fails?

No late fees or interest; Dave says late settlements do not 'affect your credit'. Dave retries with smaller partial transfers until settled. No new ExtraCash while a balance is outstanding. ExtraCash account is closed if negative for 60+ calendar days; the bank reserves a right of setoff against other Dave accounts. Debt collection or sale of the debt is not addressed in the agreement text we read. A $5/month inactivity fee applies after 12 months with no activity.

Who operates it, and which bank is involved?

Operator

Dave Operating LLC (NMLS ID 2675197), a subsidiary of Dave Inc. (Nasdaq: DAVE, Los Angeles). The FTC/DOJ case names Dave, Inc. and CEO Jason Wilk.

Advance provider and bank partner

ExtraCash and Dave Checking accounts are bank accounts: historically Evolve Bank & Trust (Member FDIC; ExtraCash agreement last updated 2026-02-26). Since 2026-06-01 Coastal Community Bank (Member FDIC) originates and holds new ExtraCash receivables under an amended program agreement (Dave guarantees them and buys back those unpaid after 60 days), and Dave is migrating ExtraCash, Checking and Goals accounts from Evolve to Coastal (Coastal ExtraCash agreement effective 2026-07-01).

Is Dave legit?

The operator and product terms are documented on this page. That does not establish that an advance is suitable for you or resolve allegations in a lawsuit. The legal record below was checked Sep 29, 2026.

A complaint records allegations, not a finding of liability. Settlements, entered orders, pending cases and supervisory agreements are labelled separately. Research coverage may be incomplete; dates and outcomes are limited to the cited records.

Both comparisons use $100, 14 days, another bank, $0 tip, one advance per month and no qualifying Varo deposits. Each group keeps its stated delivery speed. Bank support and approval must be checked with each provider.

MoneyLion standard delivery requires MoneyLion Spend, and Current standard delivery requires a Current Account. Those routes are not free transfers to the selected bank. Separate account discounts and membership-waiver routes are excluded from this shortlist.

Apps like Dave: all 11 alternatives in the $100 standard example.

For another amount, use the scenario links in the cost table or the full calculator. If you need longer to repay, compare credit union Payday Alternative Loans.

Sources and review dates

Pricing snapshot: Sep 29, 2026. Product terms and legal record: Sep 29, 2026. These dates describe the reviewed sources; confirm current terms with the provider.

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