Dave Review
ExtraCash advances up to $500 with a flat 5% fee and no interest. Independent Dave review: 4.1/5 for cash advance. Best for Small same-day cash advances.
By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 29, 2026.
Our verdict
A 5% fee on every ExtraCash advance, with a $5 minimum, is what Dave charges for cash with no interest and no credit check. Instant funding is free only into a Dave Checking account, and instant transfers to an outside debit card cost 1.5% of the amount. The full $500 needs direct deposit history, which keeps the grade from going higher.
Skip it if you have no direct deposit history, or if you need a phone line for support.
About Dave
ExtraCash advances up to $500 with a flat 5% fee and no interest. Dave is offered by Dave Inc. Our editorial rating is 4.1 out of 5.
Best for: Small same-day cash advances.
Editorial grade: B+ (composite score 82/100).
Highlights
- ExtraCash advances up to $500 with no interest (5% advance fee, $5 minimum)
- No credit check, no late fees, no mandatory tips
- Dave Checking account, FDIC insured up to $250K through Coastal Community Bank or another partner bank
- Side Hustle marketplace surfaces gig income opportunities
What we like
- Membership up to $5/month; 5% fee per ExtraCash advance ($5 minimum)
- Instant ExtraCash transfers to a Dave Checking account are free
- Built-in budgeting and paycheck prediction tools
- Side Hustle integrations with DoorDash, Uber, Instacart
Where it falls short
- 1.5% Express fee for instant transfer to an external debit card
- The $5 minimum fee is 20% of a $25 advance
- $500 cap requires direct deposit history to unlock
Fees, minimums, and rates
Monthly fee: Up to $5/month + 5% per advance ($5 minimum). Minimum to open: $0. Rates and fees last checked on September 29, 2026.
How we reviewed it
This is a desk review: we have not opened an account with Dave Inc.. It is built from Dave Inc.'s published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Cash Advance shortlist. Our money-app reviews weight cost (25%), accuracy and reliability (25%), data security (20%), usefulness (20%), and customer support (10%). The rubric is the same for every brand.
Similar products to compare
Read our full editorial methodology for how we review products.