Dave: Credit, Cash & Money App icon
Dave App Review: Analyzing the Financial Management Platform

by Dave, Inc

4.8
IOSFinance
Dave provides cash advances up to $500, banking services, and overdraft protection through Evolve Bank & Trust. The app targets users needing short-term liquidity between paychecks with relatively low fees compared to payday lenders.

Detailed Review

Dave positions itself as a financial wellness platform offering cash advances, banking services, and overdraft protection through its partnership with Evolve Bank & Trust. The app serves as an alternative to traditional payday loans, providing users with short-term liquidity solutions between paychecks. Banking services are FDIC-insured through partner institutions, with the Dave Debit Card issued through Mastercard's licensing program. The core functionality centers on ExtraCash advances ranging from $25 to $500, typically processed within five minutes of approval. The overdraft fee structure charges the greater of $5 or 5% of the advance amount, substantially lower than conventional payday loan alternatives. The platform incorporates automated savings features, side hustle job matching, and credit-building tools alongside its primary cash advance service. Membership includes budgeting tools and alerts for upcoming bills, creating a comprehensive financial management ecosystem. User experience reflects a streamlined interface designed for urgent financial needs. The application process emphasizes speed and accessibility, with most users reporting fund availability within minutes of approval. The mobile-first design prioritizes simplicity, featuring clear repayment terms, automated withdrawal options, and transparent fee structures. Real-world usage patterns indicate most users access the service for emergency expenses or timing gaps between income payments. User feedback consistently highlights the app's effectiveness in addressing short-term financial shortfalls. Multiple reviewers including jauxucjdbwhzysucid (September 6, 2025) note the app 'saved me in many sticky situations,' while Oz3113 (September 6, 2025) praises its utility 'when something comes up or money gets tight.' Some users like KayyWizzly (September 6, 2025) express concern about the $15 service fee, though still acknowledge preference over alternative lending options. The platform demonstrates strongest utility for users with predictable income experiencing temporary cash flow challenges. Limitations include eligibility requirements that restrict maximum advance amounts for many users, and fee structures that accumulate with frequent use. While not suitable for long-term financial solutions, the app provides valuable stopgap protection against overdraft fees and emergency expenses when used responsibly within its intended use case parameters.

Key Features

  • ExtraCash advances from $25-$500 provide immediate liquidity for emergency expenses between paychecks
  • Overdraft protection with fees capped at 5% offers cheaper alternative to traditional payday loans
  • FDIC-insured banking services through Evolve Bank & Trust provide secure transaction processing
  • Automated savings tools help users build emergency funds and improve financial resilience
  • Side hustle job matching connects users with gig economy opportunities for additional income
  • Bill tracking and alert system notifies users of upcoming payments to avoid missed deadlines

Why Users Love It

Rapid cash advance processing
Lower fees than alternatives

Perfect for: Users needing short-term liquidity between paychecks

Screenshots

Dave: Credit, Cash & Money App screenshot 1Dave: Credit, Cash & Money App screenshot 2Dave: Credit, Cash & Money App screenshot 3Dave: Credit, Cash & Money App screenshot 4Dave: Credit, Cash & Money App screenshot 5Dave: Credit, Cash & Money App screenshot 6

Ranking History

Track Dave: Credit, Cash & Money App's performance in Finance over the last 30 days

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Top 15
Below 15

Current Rank

#36

+8 from last week

Best Rank

#32

All-time high

Average Rank

#38

30-day average

User Reviews

Jamie 408
Sep 7, 2025

Thank you for all the help awesome helping thank you Dave Great app Thank you for all the help awesome helping thank you Dave

kat_kobain
Sep 4, 2025

I woke in nyc and only get paid 17.80 an hour as a residential aide. It’s a thankless job but I don’t do it for the thank yous. I love my job and love being able to be there for women in their time of need. That being said there are times where I’m the one that needs help. I get paid every two weeks and you can only imagine the expenses living in the city. Dave has been there for me when I need it the most so thanks Dave. You come in handy very often and I noticed my credit has been getting better also after paying off my loans every two weeks. I don’t know if it’s a coincidence but I hope it is the app helping me. After I lost my son I went into a deep depression and i lost almost everything including my 700 credit. For someone getting back on their feet like me this app is great. I hope anyone going through a rough time things get better for you soon. Take care guys. Out of all these apps Dave is the best; saves me every paycheck I woke in nyc and only get paid 17.80 an hour as a residential aide. It’s a thankless job but I don’t do it for the thank yous. I love my job and love being able to be there for women in their time of need. That being said there are times where I’m the one that needs help. I get paid every two weeks and you can only imagine the expenses living in the city. Dave has been there for me when I need it the most so thanks Dave. You come in handy very often and I noticed my credit has been getting better also after paying off my loans every two weeks. I don’t know if it’s a coincidence but I hope it is the app helping me. After I lost my son I went into a deep depression and i lost almost everything including my 700 credit. For someone getting back on their feet like me this app is great. I hope anyone going through a rough time things get better for you soon. Take care guys.

..$(:
Sep 4, 2025

I love this app!! It’s quick and easy to use. It’s very handy in a pinch. No hassle to get started and approved! Awesome App I love this app!! It’s quick and easy to use. It’s very handy in a pinch. No hassle to get started and approved!

lcampos40
Sep 4, 2025

This app is so easy to use and helped me a lot ! The best This app is so easy to use and helped me a lot !

so overjoyed
Sep 4, 2025

Dave has helped me out of a lot of jams. I couldn’t use the card to rent a car , but it’s ok. I had more fun taking the train. Thanks Dave. Great! Dave has helped me out of a lot of jams. I couldn’t use the card to rent a car , but it’s ok. I had more fun taking the train. Thanks Dave.

App Details

Developer

Dave, Inc

Platform

ios

Rating

4.8

Last Updated

10/7/2025