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Need a quick cash advance but looking for alternatives to Dave? You're in the right place.
12 Best Apps Like Dave for Quick Cash Advances [2024 Guide]
This comprehensive guide explores the 12 best apps like Dave that offer cash advances, banking services, and budgeting tools. Before turning to payday loans or credit card advances, check out these more affordable options that can help you avoid overdraft fees and manage your finances better.
1. Earnin
Maximum advance: Up to $500 per pay period
Fees: Optional tips
Time to receive funds: Same day with Lightning Speed, 1-2 business days standard
Earnin stands out as one of the most popular Dave alternatives, offering cash advances based on your hours worked. The app allows you to access your earned wages before payday without any mandatory fees. You'll need to provide your employment information and banking details to qualify.
2. Brigit
Maximum advance: Up to $250
Fees: $9.99 monthly membership
Time to receive funds: Same day
Brigit offers automatic overdraft protection and financial monitoring tools. The app analyzes your spending patterns and automatically sends cash advances when your balance is at risk of going negative. While it has a monthly fee, the predictive technology and automatic deposits make it worth considering.
3. Albert
Maximum advance: Up to $250
Fees: Optional tips, $4.99/month for Albert Genius
Time to receive funds: 2-3 business days, instant with Albert Genius
Albert combines cash advances with automated savings features and investment options. The app provides personalized financial advice and helps you build better money habits while offering a safety net when needed.
4. MoneyLion
Maximum advance: Up to $250
Fees: $7.99/month for Instacash
Time to receive funds: Same day with turbo delivery ($3.99 fee), 12-48 hours standard
MoneyLion offers a complete financial toolkit including banking, investing, credit building, and cash advances. Their Credit Builder Plus membership provides access to credit-builder loans alongside cash advances.
5. Chime SpotMe
Maximum advance: Up to $200
Fees: None
Time to receive funds: Instant
While technically an overdraft protection service rather than a cash advance, Chime's SpotMe feature lets eligible members overdraw their accounts up to $200 with no fees. You'll need to receive direct deposits of $500+ monthly to qualify.
6. GO2bank
Maximum advance: Up to $200
Fees: $5 monthly fee (waived with eligible direct deposit)
Time to receive funds: Instant
GO2bank offers overdraft protection up to $200 with no fees when you receive direct deposits. The app also includes early paycheck access and high-yield savings features.
7. Cleo
Maximum advance: Up to $100
Fees: $5.99/month for Cleo Plus
Time to receive funds: Same day
Cleo combines AI-powered budgeting with cash advances. The app's conversational interface helps track spending and provides financial insights while offering small advances when needed.
8. Empower
Maximum advance: Up to $250
Fees: $8/month after 14-day free trial
Time to receive funds: Same day
Empower provides cash advances alongside automated savings tools and personalized recommendations. The app also offers cashback rewards and helps track bills.
9. Current
Maximum advance: Up to $200
Fees: Optional premium membership $4.99/month
Time to receive funds: Instant with premium
Current offers overdraft protection up to $200 with their premium membership, alongside early direct deposit and cash back rewards. The app includes robust budgeting tools and teen banking options.
10. FloatMe
Maximum advance: Up to $50
Fees: $1.99/month membership
Time to receive funds: Same day
FloatMe focuses on smaller advances to help avoid overdraft fees. While the advance amount is lower than competitors, the monthly fee is also significantly less.
11. Possible Finance
Maximum advance: Up to $500
Fees: Varies by state
Time to receive funds: Same day
Possible Finance differentiates itself by reporting payments to credit bureaus, helping users build credit while accessing quick cash. They offer installment loans rather than traditional advances.
12. Klover
Maximum advance: Up to $100
Fees: Optional expedited funding fees
Time to receive funds: 1-3 business days standard, same day with expedited option
Klover uses a points-based system where users can earn higher advance limits through app activity and shopping at partner retailers. The basic service is free with optional premium features.
How These Apps Compare to Traditional Options
Before turning to payday loans or credit card cash advances, consider that these apps typically offer:
- Lower fees (usually $5-10 or optional tips vs. 400% APR for payday loans)
- No credit checks
- Quick access to funds (often same day)
- Additional financial tools and resources
For more ways to access quick cash, check out our guide on how to make $100 a day. If you're interested in longer-term solutions, explore our article on best cashback apps to earn money on your everyday purchases.
Frequently Asked Questions About Cash Advance Apps
Are cash advance apps safe to use?
Yes, reputable cash advance apps are generally safe to use. They employ bank-level encryption and security measures to protect your data. However, it's important to download apps only from official sources and read terms and conditions carefully.
How much can you typically borrow from cash advance apps?
Most cash advance apps offer between $100 and $500 per pay period, depending on your income and repayment history. New users often start with lower limits that increase over time with regular repayment.
Do cash advance apps affect your credit score?
Most cash advance apps don't perform credit checks or report to credit bureaus, so using them won't affect your credit score. However, if you fail to repay an advance, some apps may report this to collections, which could impact your credit.
What are the requirements for using cash advance apps?
Common requirements include: a regular source of income, an active checking account, direct deposit setup, and a smartphone. Most apps require you to be at least 18 years old and have a steady paycheck or benefits payments.
