CASH ADVANCE MATH / DAVE VS EARNIN
Dave vs EarnIn. Put every fee side by side.
Compare the published terms, then see the modeled cost at four amounts. A daily limit or missing fee stays visible in the comparison.
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Start with the fee structure
In the default $100 standard-delivery example, Dave costs $10.00 and EarnIn costs $0.00. Dave combines a mandatory advance fee with membership. EarnIn's general standard route has neither charge when you leave the optional tip at $0.
A higher pay-period limit does not mean you can receive it in one transfer. EarnIn's general daily maximum is $150, so $200 and $250 requests stay unranked below.
| What to compare | Dave ExtraCash | EarnIn Cash Out |
|---|---|---|
| Maximum advance | Up to $500; few qualify for the maximum. | Up to $150 per day and $1,000 per pay period. New York: $100 per day. New members may start lower. |
| Monthly membership | Required, up to $5. The model uses $5 for one advance per month. | $0 membership. |
| Mandatory advance fee | 5% of the advance, with a $5 minimum, even with free delivery. | No mandatory advance fee in the general model. State exceptions apply. |
| Instant delivery fee | An additional 1.5% to an external debit card. Free instant delivery to Dave Checking; advance fee and membership remain. | General Lightning Speed table: $3.99 at $75 or less; $5.99 at $75.01 to $150; $8.99 above $150. The published higher tier does not override the daily limit. See the state exceptions below. |
| Standard delivery | Free ACH to external bank, 2-3 business days (help center also says 'within 3 business days'). Instant to Dave Checking is also free. | Free ($0), usually 1-2 business days. |
| Credit check | No, according to the provider. | No, according to the provider. |
| Repayment | Automatic settlement from connected bank account on a date set around the next payday or nearest Friday; partial settlements if funds are short. ExtraCash is repayable on demand. No late fees or interest. | Automatic debit from linked bank account on payday for the amount transferred plus any tips/fees. Debit can be rescheduled by contacting support at least one business day before. |
The cost of $50, $100, $200 and $250
Every example uses 14 days, another bank, $0 tip, one advance per month and no qualifying Varo deposits. Total payback includes Dave's allocated membership, even if billed separately. The 14 days are a comparison assumption, not a promise of the provider's debit date.
These are general fee illustrations, subject to eligibility and state exceptions. A published limit is not an approval guarantee. EarnIn amounts above $150 are unavailable as a single advance in this model; they are not priced by splitting the request.
Standard delivery
| Amount received | Dave ExtraCash | EarnIn Cash Out |
|---|---|---|
| $50 |
|
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| $100 |
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| $200 |
| Not ranked. Up to $150 per day in the general program. This amount needs transfers on different days, so it is not ranked as one advance. New York has a lower daily cap. |
| $250 |
| Not ranked. Up to $150 per day in the general program. This amount needs transfers on different days, so it is not ranked as one advance. New York has a lower daily cap. |
Instant delivery to an external account
| Amount received | Dave ExtraCash | EarnIn Cash Out |
|---|---|---|
| $50 |
|
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| $100 |
|
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| $200 |
| Not ranked. Up to $150 per day in the general program. This amount needs transfers on different days, so it is not ranked as one advance. New York has a lower daily cap. |
| $250 |
| Not ranked. Up to $150 per day in the general program. This amount needs transfers on different days, so it is not ranked as one advance. New York has a lower daily cap. |
Dave Checking has free instant delivery to that account. The instant examples above use an external debit card, so they include the additional 1.5% delivery fee. The advance fee and membership apply in either case.
Compare these inputs in the calculatorWhat EarnIn actually costs
EarnIn Cash Out has $0 membership and no mandatory advance fee in the general model. Standard delivery is free ($0), usually 1-2 business days. Optional tips default to $0 here.
Limits: up to $150 per day and $1,000 per pay period. New members may start lower. New York's daily maximum is $100. EarnIn is not available in Connecticut.
Lightning Speed fees to an external bank
| Transfer amount | General fee |
|---|---|
| $75 or less | $3.99 |
| $75.01 to $150 | $5.99 |
| Greater than $150 | $8.99, published tier only |
The published fee table includes a tier above $150. That does not override the general daily limit: this comparison does not calculate a single $200 or $250 EarnIn advance.
State exceptions and other EarnIn routes
Indiana and Florida: 5% of the transfer, with a $3.99 minimum.
New York: $3.99 up to $100; the published table lists $5.99 above $100, but the daily maximum is $100.
Colorado and Wisconsin: no tips; fixed fees of $4.99 for $10 to $75, $6.99 for $76 to $150, and $9.99 for $150.01 to $200. The general comparison does not substitute these state fees or assume a higher daily limit.
EarnIn Card: $2.99 cash transfers with qualifying direct deposit, or $5.99 without. The separate Cash Out Link overdraft product adds a $1.99 service fee per transfer. Neither route is used in these examples.
Follow the sources
Dave: ExtraCash fee schedule . EarnIn: Cash Out fee schedule . Product details come from public provider sources checked Sep 29, 2026; fees can change.
Confirm your approved amount, state-specific charges and repayment date in the provider's app before relying on a comparison. Unknown charges are never replaced with zero.
Keep comparing
All 12 cash advance app profiles cover fees, repayment and account requirements. Use the full cost calculator for another amount or delivery speed.
If you need more time to repay, read about credit union Payday Alternative Loans. They use different terms and eligibility requirements.