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Are you looking for cash advance apps like Dave? This app allows you to take an advance of up to $500 for only $1 per month, which sounds like a great deal.

According to Statista, the United States leads the cash advance market, with a projected transaction value of $26.7 billion by 2024. This means investing in mobile app development services can be great.

statistics showing growth in transaction value of the cash advance market

While recent news reveals that the overdraft fees in the U.S. reached an average of $33.58 per transaction in 2024, it is crucial to have a quick, reliable solution that saves you from the cycle of debt.

Fortunately, there are various apps similar to Dave in the USA that provide a lifeline during financial constraints. This blog outlines some great options for those who need a small cash advance to get through their next payday.

20 Best-Picked Cash Advance Apps Like Dave

infographic showing 20 apps like dave

Did you know that the use of cash advance apps has surged by about 45% in 2024? Here, we’ve enlisted the top 20 cash advance apps like Dave for you:

1. EarnIn

earnin app logo

 

Google Play Store Rating: 4.6/5

Apple Store Rating: 4.7/5

EarnIn is a free cash advance app that allows users to quickly access their earned wages without incurring high fees or interest rates. With this app, you can easily get paid for the hours you’ve worked without waiting for payday.

Pros and Cons

Pros Cons
Access up to $750 per day period Requires personal information like bank details
User-friendly balance shield feature Employment is mandatory
Free from monthly fees, interest, and credit checks Dependence on consistent income

Details and Terms

  • Loan Amount: Up to $100 per day / Up to $750 per day period
  • Processing Time: 1-3 business days
  • Repayment Date: The borrowed amount will automatically deducted from your next paycheck

Eligibility Criteria

Here’s what you need to be eligible for these money apps like Dave:

  • Stable employment is required where you work on a fixed schedule.
  • You need a consistent pay schedule (weekly, bi-weekly, semi-monthly, or monthly)
  • Your paychecks must be received via direct deposit into a checking account.

Application Process

  1. Download the App: Get access from iOS and Android
  2. Create an Account: Sign up using your personal details
  3. Link Bank Account: Connect your checking account where your paycheck is deposited
  4. Verification: Verify your employment details and earnings
  5. Set Up Direct Deposit: Make sure your paycheck is deposited into the linked account

Other Features

If you’re wondering what makes EarnIn stand out, we’ve discovered some of the popular feature’s apps like Dave and EarnIn entail:

Balance Shield

It alerts you when your bank balance is insufficient and can provide a small cash advance to avoid overdraft fees.

Cash Back Rewards

This feature allows you to earn cash back on purchases at participating retailers.

Health Aid

It provides users access to low-cost health services through the app.

Financial Insights

This tool provides users with insights into their spending habits and financial health.

Tip System

It is a great saving tool that turns your savings from passive income into something active and social. For more socialization opportunities, look out for apps like Wizz, which is a social networking platform.

EarnIn

google-play app-store
Price Free
Downloads 5M+
Requires Android 7.0 or up, iOS 14.0 or up
Size 37 MB Android, 168 MB iOS

2. MoneyLion

moneylion app logo

Google Play Store Rating: 5.0/5

Apple Store Rating: 4.7/5

MoneyLion is a widely known financial platform that covers more than paycheck advance services, including personal finance solutions. It delivers convenient access to quick funds for your financial needs. For more money-handling platforms, you can check out various apps like Venmo, which make money transfers easier.

Pros and Cons

Pros Cons
Offer personal loans, credit monitoring, investment accounts, and digital banking service Some features require paid membership, such as Credit Builder Plus
Get cash advances with no interest or credit check Interest rates on personal loans can be high
Invest in diversified portfolios with no minimum balance requirements Features like Instacash may not be available to all users

Details and Terms

  • Cash Advances: Up to $500
  • Personal Loans: Up to $50,000
  • Processing Time: 1-3 business days for personal loans and 24 hours for cash advances
  • Repayment Date: The amount will automatically deduct from your linked bank account on the next payday.

Eligibility Criteria

Here are the following requirements for cash advances:

  • Must be a resident of the United States
  • Need an active bank account to link with the app
  • Proof of regular income is required
  • Requirement of credit check for personal loans

Application Process

  1. Download the App: Access the app from both Google Play and Apple Store
  2. Create an Account: Sign up by adding your personal information
  3. Link Bank Account: Connect your bank account to verify income and facilitate transactions
  4. Select Services: Choose your desired services, including personal loans, credit builder loans, or cash advances
  5. Verification: Complete the identity verification process by filling out personal finance applications

Other Features

MoneyLion offers numerous features that deliver you a seamless loan-acquiring experience:

RoarMoney Account

It is a digital banking platform with early direct deposit, no hidden fees, and a virtual debit card.

Managed Investment Accounts

This feature entails a diverse range of portfolios with automatic rebalancing and no minimum balance.

Financial Tracking Tools

It provides various features like budgeting software, spending insights, and personalized financial advice.

Rewards and Cashback

This allows users to earn cashback on purchases made with the RoarMoney debit card.

Mobile Banking

This feature provides online banking services to help existing customers access their banking accounts.

MoneyLion

google-play app-store
Price Free
Downloads 5M+
Requires Android 6.0 or up, iOS 12.4 or up
Size 324 MB Android, 251 MB iOS

3. Brigit

brigit app logo

Google Play Store Rating: 4.7/5

Apple Store Rating: 4.8/5

Brigit is a popular platform that allows you to extend your payback deadline if you’re unable to pay. With over 4 million users, the Brigit platform allows free cash advance and overdraft protection functions.

Pros and Cons

Pros Cons
Extension of due date up to three times Need to pay a monthly membership charge from $8.99 to $14.99
Partnered with over 6,000 banks Requires external bank account to get cash advances
Set up automatic advances to avoid overdrafts

Details and Terms

  • Loan Amount: Up to $250
  • Processing Time: 1-3 business days
  • Repayment Date: You can get access to flexible repayment options

Eligibility Criteria

To be eligible for cash advance apps like Dave and Brigit, you need to have the following requirements:

  • A checking account that has been active for about 60 days
  • A balance of more than $0
  • Recurring deposits on your account for up to 3 from the same source

Application Process

  • Download the App: Access the app by downloading from the Apple Store or Google Play Store
  • Create an Account: Sign up by entering your email address and create a password
  • Set Up Your Profile: Enter your personal details like name, date of birth and contact information
  • Link Your Bank Account: Connect your primary checking account to Brigit
  • Request Advance: Request for a cash advance once you’re qualified

Other Features

Brigit is a widely known cash advance app that entails features like:

Financial Insights

This feature provides insights into your spending habits and suggests tips to improve financial health.

Saving Feature

It allows users to save money by setting aside small amounts on a regular basis.

Credit Monitoring

This feature is eligible for premium users who can access credit monitoring services to track their credit score.

Personalized Alerts

This tool delivers customizable alerts for upcoming bills, low balances, and spending trends.

Referral program

It is a reward system that allows users to earn by referring friends and family to the app.

Brigit

google-play app-store
Price Free
Downloads 5M+
Requires Android 6.0 or up, iOS 12.4 or up
Size 83 MB Android, 97 MB iOS

4. Klover

klover app logo

Google Play Store Rating: 4.6/5

Apple Store Rating: 4.7/5

Klover is a popular financial platform that offers small cash advances in exchange for users’ data, which is then shared with its advertising and business partners. The app provides advances based on the user’s bank account activity, but users can also get them by taking surveys, uploading receipts, and connecting retail accounts.

Pros and Cons

Pros Cons
No interest or hidden fees are included Must have a steady income to qualify
Access cash advances without any credit check Maximum cash advance may not be sufficient for all users’ needs
Provide fast access to cash advances Data sharing is found intrusive to some users

Details and Terms

  • Loan Amount: Up to $100 cash advances
  • Processing Time: Few minutes after approval
  • Repayment Date: The amount is automatically deducted from your linked bank account, usually your next payday.

Eligibility Criteria

You need to fulfill the following requirements to be eligible for the cash advances:

  • Must have a steady source of income with regular direct deposits
  • An active checking account that shows regular banking activity
  • Need a history of positive balances and sufficient account activity

Application Process

  • Download the App: Get your app from Google Play or Apple Store
  • Create an Account: Sign up by providing your bank account and debit card information
  • Find Eligibility: If you’re eligible for cash advances, the app will show the advance limit
  • Provide Optional Tip or Fee: While going through the process, you will get a request to provide an optional tip or pay a fee
  • Request Advances: If you decline the fee, you’ll receive the funds within three business days

Other Features

The Klover app has a wide range of features, which are as follows:

Budgeting Tools

This feature helps users manage their finances by setting up personalized budgets, tracking expenses, and monitoring spending habits.

Spending Insights

The app entails detailed spending insights that help users analyze their financial behavior and identify potential saving opportunities.

Rewards Program

It offers a reward program where users can earn points by connecting their bank accounts, referring friends, or setting up direct deposits.

Financial Education

Klover provides many educational resources, including articles, tips, and guides on budgeting, saving, and credit management. If you want to share loan insights online, there are well-known apps like TikTok that can help you reach a wider audience.

Chatbots Integration

These AI-powered chatbots offer instant assistance and support related to using the app’s features and provide financial advice.

Klover

google-play app-store
Price Free
Downloads 1M+
Requires Android 7.0 or up, iOS 16.0 or up
Size 161 MB Android, 143 MB iOS

5. Empower

empower app logo

Google Play Store Rating: 4.7/5

Apple Store Rating: 4.8/5

Empower is a great cash advance platform for users like gig workers and freelancers. Although the app provides smaller loans than others, it funds them more quickly. The platform reports payments for credit lines to Equifax and TransUnion, which could help borrowers build credit.

Pros and Cons

Pros Cons
Get a refund in case of an overdraft fee Monthly membership costs around $8
Access loan without any credit check Loan amount may be insufficient for users with larger financial needs
Offer cash advances without interest Recurring payments are required to avoid overdraft fees

Details and Terms

  • Loan Amount: Up to $250 cash advances
  • Processing Time: 24 hours
  • Repayment Date: The amount is typically due on the user’s next payday.

Eligibility Criteria

To qualify for a cash advance, you need to follow the given criteria:

  • Requires an active bank account that is linked to the app
  • Regular source of income
  • Must be 18 years old or older

Application Process

  • Download the App: Get the Empower app from the Apple Store or Google Play
  • Create an Account: Sign up by providing personal information and linking your bank account
  • Request a Cash Advance: After setting up, you can request a cash advance through the app
  • Receive Funds: A cash advance is deposited directly into the user’s linked account

Other Features

Empower offers a wide range of features to help users manage their finances. Here are the most common ones below:

AutoSave

This feature analyzes users’ spending patterns and automatically sets aside small amounts of money into a separate savings account.

Credit Score Monitoring

The app has a tracking feature that provides free access to users’ credit scores and offers insights into factors influencing their scores.

Smart Recommendations

The app entails AI tools that suggest actionable tips and strategies to improve their financial situation.

Empower Card

It is a debit card linked to the user’s Empower account, allowing users to easily access their funds and earn cashback rewards on everyday purchases.

Instant Notifications

This feature alerts for various events, including large transactions, low balances, bill due dates, and unusual account activity.

Empower

google-play app-store
Price Free
Downloads 1M+
Requires Android 6.0 or up, iOS 15.0 or up
Size 79 MB Android, 75 MB iOS

6. Albert

albert app logo

Google Play Store Rating: 4.2/5

Apple Store Rating: 4.6/5

Albert is an all-in-one money management and cash advance app that helps you budget, save, and invest. The app offers a cash account, recurring savings, a personalized investment portfolio, and budgeting tools.

Pros and Cons

Pros Cons
A diverse range of investing themes and portfolios Membership fee is costly compared to others
Supports fractional share investing Cash advances take time to qualify
Genius feature supports automated savings Low APY for Albert Cash accounts

Details and Terms

  • Loan Amount: Up to $250 cash advances
  • Processing Time: 24 hours
  • Repayment Date: Albert automatically withdraws the repayment amount on the agreed-upon date.

Eligibility Criteria

Albert requires some of the mandatory factors, which are as follows:

  • An active bank account without a negative balance and at least two months old
  • Extensive transaction history
  • Receiving consistent direct deposits from the same source with funds

Application Process

  • Register: Sign up for your account by adding detailed personal information
  • Connect Your Bank Account: Link your account to determine the cash advance eligibility
  • Sign Up for Genius: Get a Genius membership to access Albert’s Instant Cash Advance feature
  • Set Up Direct Deposits:  Turn on the “Smart Money Transfers” to receive a cash advance
  • Request for Cash Advance: Confirm the requested amount and wait for funds to be deposited within 2-3 business days

Other Features

Apps like Dave and Albert entail various features, which are as follows:

Genius

It is a subscription service that offers personalized financial advice, delivering insights into their financial habits.

Budgeting and Spending Tracking

The app helps users track their spending and set budgets, providing insights into their financial habits.

Saving Goals

It allows users to set specific savings goals, which helps them achieve their goals.

Subscription Monitoring

This feature tracks recurring subscriptions and alerts users about upcoming charges, helping them avoid unwanted expenses.

Bill Negotiation

It offers a bill negotiation solution in which Albert negotiates on behalf of users to lower their bills, such as for cable, internet, and phone services.

Albert

google-play app-store
Price Free
Downloads 5M+
Requires Android 7.0 and up, iOS 13.4 or up
Size 135 MB Android, 134 MB iOS

7. Varo Bank

varo bank app logo

Google Play Store Rating: 4.7/5

Apple Store Rating: 4.9/5

Varo Bank is an online instant cash advance app that helps consumers save and grow their credit scores. It is an excellent choice for anyone looking to simplify their finances or learn to save and manage money.

Pros and Cons

Pros Cons
No minimum balance is required to open an account Cash deposits can only be made through third-party retailers
No monthly maintenance fees or minimum deposit required Neither a money market account nor certificates of deposit are available
A savings account offers a competitive APY

Details and Terms

  • Loan Amount: Up to $250 minimum, gradually up to $500
  • Processing Time: 1-2 business days
  • Repayment Date: The app automatically deducts the cash advance amount from your account when the next deposit is made.

Eligibility Criteria

To become eligible for the loan, here are the following requirements you need to consider:

  • Be at least 18 years old and a resident of the United States
  • Have a Varo account in good standing
  • History of regular direct deposits into the Varo account

Application Process

  • Download the App: Download the Varo Bank from the desired app store
  • Create an Account: Confirm your name and address along with adding your employment details
  • Fund Your Account: Input funds in your account through direct deposit or external bank transfer
  • Request Advance: Go to the Varo Advance section and select the desired loan amount

Other Features

Looking for new cash advance apps solution? Varo Bank provides an all-inclusive digital banking experience with user-friendly features, including:

Fee-Free Banking

This feature allows you to access cash advance solutions without monthly maintenance fees, overdraft fees, or minimum balance requirements.

Overdraft Protection

It is best for users who can overdraw their accounts up to $50 without incurring fees.

Varo Advance

The app allows you to obtain cash advances of up to $100 to manage unexpected expenses without high interest rates.

Security

Varo Bank entails robust security measures, including biometric login options and advanced encryption.

Customer Support

The app has 24/7 customer support that helps you resolve any queries or issues you may have.

Varo Bank

google-play app-store
Price Free
Downloads 5M+
Requires Android 9.0 and up, iOS 15.0 or up
Size 285 MB Android, 299 MB iOS

8. One@Work

one at work app logo

Google Play Store Rating: 4.7/5

Apple Store Rating: 4.9/5

One@Work is one of the leading cash apps like Dave that helps you track your earnings per pay period. With this platform, you can request up to 50% of your net earnings and get money instantly.

Pros and Cons

Pros Cons
Flexible cash advances to manage finances Limited cash advances based on user’s income and employer’s policies
No interest charges are applied to cash advances Availability is restricted to One@Work partnered employees
Get perks like 5% APY on eligible savings

Details and Terms

  • Loan Amount: Depends on the user’s income and employer agreement
  • Processing Time: 24 hours
  • Repayment Date: It automatically deducts from the user’s next paycheck

Eligibility Criteria

To reach out for a cash advance, you need to fulfill the following requirements:

  • Must be 18 years of age or older
  • Must be employed by a company that has partnered with One@Work
  • Steady income and regular pay schedule

Application Process

  • Download One@Work: Access the app available on both Google Play Store and Apple Store
  • Sign Up: Create an account by adding your personal information
  • Verification: Get your employment verified with a partner employer
  • Link Payroll: Connect the app to your payroll system to enable streamlined disbursement
  • Choosing Cash Advance: Select the desired amount and submit your request

Other Features

One@Work provides a wide range of features that provide easy access to cash advances:

Budgeting Tools

The app provides easy-to-use budgeting tools to help users manage their finances.

Savings Programs

One@Work offers savings programs that enable users to save money and foster financial resilience.

Education Resources

If you’re looking to improve financial literacy and wellness, this feature provides easy-to-understand learning resources.

Customizable Alerts

You can set up personalized notifications for budget limits, saving goals, and spending patterns.

Employer Contributions

This feature provides matching contributions or additional incentives to employers who are using the app’s savings features.

One@Work

google-play app-store
Price Free
Downloads 1M+
Requires Android 5.0 and up, iOS 13.4 or up
Size 56 MB Android, 88 MB iOS

9. Possible

possible app logo

Google Play Store Rating: 4.0/5

Apple Store Rating: 4.8/5

Possible is one of the highly preferred cash advance apps for unexpected financial constraints. It caters to those with limited borrowing options due to poor credit scores.

Pros and Cons

Pros Cons
Low minimum loan amount starting from $50 Higher interest rates, ranging from 54.51% to 240.52%
On-time payments are reported to credit bureaus Low maximum loan amounts up to $500
Quick approval and funding process Requires to pay a flat fee between $15 to $20 for every $100 borrowed

Details and Terms

  • Loan Amount: Up to $500
  • Processing Time: May take minutes to a few hours
  • Repayment Date: The timeline is set according to the terms agreed upon during the application process

Eligibility Criteria

To qualify for the loan, you need to consider the following requirements:

  • Must have a valid checking account
  • Steady source of income or employment
  • Reside in a state where the app operates

Application Process

  • Download the App: Go to Google Play or Apple Store to download the app
  • Sign Up: Provide personal information and other details to create an account
  • Connect Bank Account: Go to the loan section and select the desired loan amount
  • Review Loan Offer: Read out the loan terms and conditions to understand the policies
  • Sign Off the Agreement: Submit your acceptance and receive your loan within one day

Other Features

Possible is a well-known cash advance app that offers a wide range of features:

Credit Building

This feature creates a positive payment history for credit bureaus, helping users build and improve their credit scores.

Payment Reminders

The app sends reminders for upcoming payments to help users stay on track and avoid late fees.

Refinancing Options

It provides a range of refinancing options for those who need additional time to repay their loans.

Credit Score Tracking

This feature allows you to monitor your credit score directly within the app and get in-depth insights related to your finances.

Instant Bank Verification

The possible app lets you quickly and securely link your bank account using instant verification methods.

Possible

google-play app-store
Price Free
Downloads 1M+
Requires Android 11 and up, iOS 15.0 or up
Size 43 MB Android, 58 MB iOS

10. Branch

branch app logo

Google Play Store Rating: 4.4/5

Branch is a leading personal finance app that offers instant loans like Dave without the hassle of physical documentation. It also offers various solutions, such as tips, wages, mileage reimbursement, and more.

Pros and Cons

Pros Cons
Cash advances of up to 50% of your paycheck Loan benefit is only applicable to those associated with the Branch
Get loans and advances without any credit checks Funds may take three days to reach
Many features are free of charge Sign up process may be complex for many users

Details and Terms

  • Loan Amount: Depends on the user’s earned wages and policies
  • Processing Time: Usually takes a few minutes
  • Repayment Date: The advances are deducted automatically from the user’s next paycheck

Eligibility Criteria

To qualify for the Branch app’s features, users must consider the following:

  • Association with the brand company
  • Have a steady income from their employer
  • Must meet the tenure and employment status criteria

Application Process

  • Download the App: Visit the Google Play and Apple Store to download the app
  • Sign Up: Open the app and sign up for a new account
  • Profile Setup: Fill in your details, including personal information and employment status
  • Link Your Account: Provide your bank account details for transactions
  • Review and Approve: Review the policies and sign the agreement to receive the amount

Other Features

Branch is a popular cash advance platform known for its features, which are as follows:

Shift Scheduling

This feature allows employees to view and manage their work schedules within the app.

Expense Tracking

It is a great tool to track spending and manage expenses in order to better understand and control finances.

Savings Goals

This allows users to set and track saving goals to encourage better financial habits.

Overtime Requests

Branch app has the ability to submit and manage requests for overtime work directly through the app.

Team Messaging

If you’re opting for communication tools, it is a great idea for employees to stay connected with their team.

Branch

google-play app-store
Price Free
Downloads 1M+
Requires Android 8.0 and up, iOS 15.0 or up
Size 46 MB Android, 88 MB iOS

11. DailyPay

dailypay app logo

Google Play Store Rating: 4.7/5

Apple Store Rating: 4.8/5

DailyPay is an industry-leading fintech platform that aims to provide quick and hassle-free financial solutions. It offers the option to access 100% of your earned income early.

Pros and Cons

Pros Cons
Get access to earned wages instantly Charges fee for each transaction
No credit checks are required to earn wages Early amount access may be limited
Transparent fee structure with no hidden charges

Details and Terms

  • Loan Amount: A portion of your earned wages, up to 100% of net earnings
  • Processing Time: Immediately
  • Repayment Date: Deducts automatically from the user’s next paycheck

Eligibility Criteria

If you’re looking for an instant cash advance, you must cover the following requirements:

  • Be employed by a company that has partnered with DailyPay
  • Have a steady and regular income
  • Must meet additional eligibility criteria

Application Process

  • Download the App: Get your app from the Google Play Store or Apple Store
  • Sign Up: Create an account by providing personal information
  • Connect Payroll: Link the app to your employer’s payroll system
  • Request Advance: Select the amount of earned wages you want to access and submit your request

Other Features

Daily acquires various easy-to-use features, which are as follows:

Real-Time Earning Tracking

This feature allows users to track their earnings in real-time throughout the pay period.

Saving Features

It includes tools to help users save a portion of their earnings automatically.

Financial Planning Tools

The app contains various access resources and tools for better financial planning and management.

Instant Notifications

DailyPay has a feature that provides users with real-time alerts and notifications for transactions and balance updates.

Fee-Free Next Day

It allows users to opt for fee-free next-day transfers if immediate access is not needed.

DailyPay

google-play app-store
Price Free
Downloads 1M+
Requires Android 8.0 and up, iOS 14.0 or up
Size 94 MB Android, 66 MB iOS

12. FloatMe

floatme app logo

Google Play Store Rating: 4.4/5

Apple Store Rating: 4.7/5

FloatMe is a cash advance app that allows users to borrow money before payday. With over 7 million downloads, the app helps users avoid overdraft fees and build emergency savings.

Pros and Cons

Pros Cons
Instant access to small cash advances Not applicable for unsteady income
Accessible to users with poor or no credit history A checking account with direct deposit is required
Minimal subscription fee charge User must have a W-2

Loan Terms and Details

  • Loan Amount: Ranging from $10 to $50
  • Processing Time: Within minutes
  • Repayment: The amount automatically deducts from the user’s linked account

Eligibility Criteria

To qualify for a cash advance, the user must follow these requirements:

  • Have a positive bank account balance
  • A debit card linked to an active checking account
  • Earn at least $150 each pay period

Application Procedure

  • Download the App: Download the app from Google Play or Apple Store
  • Sign Up for the App: Fill out the personal details and pay for the monthly subscription
  • Employment Verification: Provide your employment details to prove your income
  • Link Your Bank Account: Get your bank account securely connected to the app
  • Request for Cash Advance: Select the required loan amount and get funds within 3 business days

Other Features

The app is best for individuals who need a small amount of cash to avoid overdraft fees. Here are some of the common features it entails:

International Transaction

This feature offers a wide range of international transaction tools, such as currency exchange rates and international transaction fees.

Financial Alerts

FloatMe provides a suite of financial alerts to help users stay informed about their financial situation.

Fast Funding

The app has a streamlined application process that ensures users can quickly apply and receive funds.

Automated Savings

Users can access various tools to achieve saving goals, such as saving for a vacation, emergency funds, or large purchases.

Expense Tracking

The app categorizes and tracks all transactions, providing users with a clear overview of their spending habits.

FloatMe

google-play app-store
Price Free
Downloads 1M+
Requires Android 5.0 and up, iOS 14.0 or up
Size 83 MB Android, 95 MB iOS

13. FlexWage

flexwage app logo

Google Play Store Rating: 4.2/5

Apple Store Rating: 4.8/5

FlexWage is an excellent platform for employees who want instant access to earned wages. It helps eliminate financial stress and create a happier, more productive workforce.

Pros and Cons

Pros Cons
No interest or hidden fees applied Only available to employees of companies that have partnered with FlexWage
Saves you from complex paperwork Charge a transaction fee for each wage advance
Flexibility to use funds for any purpose Dependency on the employer’s approval

Loan Terms and Details

  • Loan Amount: Varies depending on the employee’s earned wages
  • Processing Time: Minutes to a few hours
  • Repayment: Funds accessed through FlexWage are automatic and typically occur on the next payday

Eligibility Criteria

To qualify for FlexWage, you need to consider the following:

  • Work for a participating employer
  • Must be employed with earned wages
  • Should be a U.S citizen

Application Procedure

  • Download App: Go to Google Play or Apple Store to access the app
  • Sign Up: Provide all the relevant details to create an account
  • Employer Implementation: Account will be verified whether the employer is partnered with FlexWage
  • Employee Enrollment: Enroll in the FlexWage program and link it to your employer’s payroll system
  • Verification and Disbursement: System verifies the amount of earned wages and processes the request

Other Features

FlexWage is an easy-to-access cash advance platform that offers various features as follows:

FlexPay Card

This feature provides a FlexPay card and a prepaid card with funds that can be loaded and used like a debit card.

Integration with Payroll Systems

It delivers seamless integrations with employer’s existing payroll systems, ensuring accurate tracking of earned wages.

Real-Time Tracking and Notifications

This tool provides real-time tracking of wage advances and repayment schedules, allowing employees to view their available balance, pending transactions, and the status of their requests.

Expense Management Tools

FlexWage provides practical financial management tools to set up monthly budgets, track spending across various categories, and receive insights into their financial habits.

Security and Compliance

This platform integrates robust security measures to protect sensitive information, including encryption and secure data storage.

FlexWage

google-play app-store
Price Free
Downloads 10K+
Requires Android 4.4 and up, iOS 11.0 or up
Size 30 MB Android, 31 MB iOS

14. Chime

chime app logo

Google Play Store Rating: 4.7/5

Apple Store Rating: 4.8/5

Chime is a reputable financial company that caters to customers looking for an easy online banking experience. This includes a checking account, high-yield savings account, and secured credit card, all with no monthly fees and minimum security deposit requirements.

Pros and Cons

Pros Cons
Access to more than 60,000 fee-free ATMs No physical location is present for in-person services
Paid two days earlier with direct deposit Mobile check deposit is available if you get direct deposits
Requires no credit check

Loan Terms and Details

  • Loan Amount: Up to $200
  • Processing Time: 24 hours
  • Repayment: The amount is automatically repaid with the user’s next direct deposit

Eligibility Criteria

For validity, here are the following qualifications required:

  • Valid Social Security number for identity verification
  • Must be a U.S. citizen
  • Applicant needs to be at least 18 years old to be eligible

Application Procedure

  • Download the App: Download the app from Google Play or Apple Store
  • Sign Up: Create an account using personal information, including name, address and Social Security number
  • Verify Identity: Applicant’s identity will be verified using the provided information
  • Direct Deposit Set Up: Integrate direct deposit by providing the account details and routing numbers to the employer
  • Request a Fund: Now you’re eligible to apply for a loan amount

Other Features

Chime delivers an all-inclusive digital banking experience and entails various features that are as follows:

SpotMe

This feature allows fee-free overdraft protection of up to $200 for eligible users.

Automatic Savings

It provides options to round up transactions to the nearest dollar and transfer the difference to a savings account.

No Foreign Transaction Fees

The app uses the Chime debit card abroad without incurring foreign transaction fees.

Security Features

It offers various security features such as transaction blocking, instant card deactivation, and two-factor authentication.

Real-Time Alerts

The feature allows users to receive instant transaction and daily balance notifications to stay updated.

Chime

google-play app-store
Price Free
Downloads 10M+
Requires Android 8.0 and up, iOS 14.0 or up
Size 37 MB Android, 177 MB iOS

15. Axos

axos app logo

Google Play Store Rating: 3.2/5

Apple Store Rating: 4.7/5

Axos is a popular digital banking platform that helps users get cash advances in a hassle-free process. Overall, the bank has a good APR range on its personal loans as well as a fast funding processing time.

Pros and Cons

Pros Cons
Borrow up to $50,000 maximum Not the best option for low cash advance preference
Prequalification is available that won’t impact your credit score Requires a 720 credit score to qualify for the loan
No prepayment penalty applied Origination and late fees are applied

Loan Terms and Details

  • Loan Amount: Ranges from $5000 to $50,000
  • Processing Time: 2-4 business days
  • Repayment: Typically from 12 to 72 months, with fixed monthly payments

Eligibility Criteria

For validity, here are the following qualifications required:

  • Valid Social Security number
  • Must be a U.S. citizen
  • A credit check and a good credit score are necessary

Application Procedure

  • Download the App: Get started by downloading the app from the respective stores
  • Sign Up: Create an account by providing the relevant information
  • Verification: Axos will verify the identity from the provided information
  • Choose Account: Select the type of account or loan to open/apply for
  • Submission: Review and submit the application for approval

Other Features

The Axos bank includes standard features common among big bank mobile apps, which are as follows:

Financial Tools

The app includes all financial tools, including budgeting software, spending analysis, saving, investment tracking, and financial calculators.

Account Management

This feature provides real-time access to account balances, transaction history, and detailed account statements.

Mobile Check Deposit

This feature allows users to deposit checks using their smartphone camera. They take a photo of the front and back of the check, enter the amount, and submit it.

Loan Management

Users can directly view detailed information about their loans, including balance, interest rates, and payment due dates, within the app.

24/7 Support

The app includes an in-app chat feature allowing users to connect with customer support representatives anytime.

Axos

google-play app-store
Price Free
Downloads 100K+
Requires Android 6.0 and up, iOS 11.0 or up
Size 101 MB Android, 300 MB iOS

16. CASHe

cashe app logo

Google Play Store Rating: 2.8/5

Apple Store Rating: 4.2/5

CASHe is one of the popular sites like Dave known for its quick and easy application process and competitive interest rates and fees. The eligibility and disbursal limits vary depending on the loan tenure and the borrower’s salary.

Pros and Cons

Pros Cons
Quick personal loans with minimal documentation Interest rates are relatively high
No collateral is needed to qualify Strict eligibility criteria compared to others
CASHe provides a clear and transparent fee structure

Loan Terms and Details

  • Loan Amount: Ranges from $100 to $10,000
  • Processing Time: Few hours to a couple of days
  • Repayment: Typically varies from 15 days to 6 months

Eligibility Criteria

To get a loan through the CASHe app, users need to fulfill the following requirements:

  • Must be at least 21 years old
  • Valid proof of identity, address, and income
  • Stable source of income or employment

Application Procedure

  • Download the App: Access the app by downloading it from the app store
  • Sign Up: Create an account by providing all the necessary details
  • Verification: Get your account verified through KYC (Know Your Customer) documents
  • Submission: Upload required documents, such as proof of identity, address, and income
  • Request for a Loan: Select the desired loan amount and then submit the loan application

Other Features

CASHe app offers several key features that play an integral role in fast processing and flexibility:

EMI Calculator

The app includes an EMI (Equated Monthly Installment) calculator that allows users to estimate their monthly repayments based on the loan amount.

Credit Score Tracking

Users can monitor their credit score within the app, helping them understand their creditworthiness and track improvements.

Customer Support

This feature provides 24/7 assistance to help users with any questions or issues related to loan applications, repayments, and processing.

Security Features

It provides various security measures, including data encryption and secure login methods to protect user information.

Personalized Loan Offers

The app can provide personalized loan offers based on user profiles and credit history.

CASHe

google-play app-store
Price Free
Downloads 10M+
Requires Android 5.0 and up, iOS 13.4 or up
Size 58 MB Android, 122 MB iOS

17. AfterPay

afterpay app logo

Google Play Store Rating: 4.8/5

Apple Store Rating: 4.9/5

AfterPay uses the “buy now, pay later” approach, allowing users to buy something immediately and pay it off over eight weeks. It is one of the most downloaded money lending apps, like Dave, which enables users to buy everything, from clothing and accessories to booking flights.

If you’re looking to book hotels online, our recent blog covers popular apps like Airbnb that uncover various accommodation options.

Pros and Cons

Pros Cons
Users can split purchases into four installments Charges late fees on delayed payments
No interest charges are applied on timely payments Limited credit-building opportunities
Widely accepted by a large number of online and physical retailers Potential for impulse buying and overspending

Loan Terms and Details

  • Purchase Limit: Ranges from $500 to $1,000
  • Processing Time: Few minutes to hours
  • Repayment: It divide the total purchase amount into four equal installments, due every two weeks

Eligibility Criteria

You need to fulfill the following requirements for acquiring cash advance:

  • Be a resident of the country where AfterPay operates
  • Have a valid debit or credit card
  • Meet the basic credit check

Application Procedure

  • Download the App: Go to the respective app store to download the app
  • Sign Up: Create an account by adding all the necessary details
  • Create a Barcode: Generate a temporary barcode showing available spending that is scanned at the register
  • Make Payment: Pay for your items through the app

Other Features

Afterpay has a wide range of features that deliver the best cash management experience:

ACH Payment Processing

AfterPay covers Automated Clearing House (ACH) payment processing to facilitate secure and efficient transactions between bank accounts.

Data Security

The app employs advanced encryption and tokenization techniques to protect user information.

Electronic Payments

This feature allows users to make transactions with just a few taps on their mobile devices.

Multiple Payment Options

This feature supports multiple payment options, allowing users to pay via a linked bank account, debit card, or credit card.

Partial Payments

This approach makes it easier to manage budgets, reducing the financial burden of upfront payments.

AfterPay

google-play app-store
Price Free
Downloads 10M+
Requires Android 7.0 and up, iOS 14.0 or up
Size 91 MB Android, 140 MB iOS

18. Cash App

cash app logo

Google Play Store Rating: 4.1/5

Apple Store Rating: 4.8/5

Cash App is one of the popular payday loan apps like Dave that allows users to send and receive money instantly without any hidden fees. It makes it feasible for users to use a debit card or prepaid debit card and get discounts.

Pros and Cons

Pros Cons
Instant money transfers that are convenient for users Instant transfers incur a fee
Get short-term loans to cover immediate expenses Cash advance amounts are typically small
Customizable debit card linked to their cash app for in-store and online purchases May not be available in all geographical regions

Loan Terms and Details

  • Loan Amount: Ranges from $20 to $200
  • Processing Time: Few minutes
  • Repayment: Repayment of the borrowed amount is due every four weeks

Eligibility Criteria

To receive the loan, here are the following requirements you need to meet:

  • History of regular usage, including consistent deposits
  • Living in a region where Cash App works
  • Good history of account transactions

Application Procedure

  • Download and Sign Up: Access the app and add all the details to create an account
  • Borrow Option: Find a borrow option under the header “Banking”
  • See Your Limit: Tap on the borrow option to see the maximum borrowing amount
  • Choose an Amount: Select the required amount you need
  • Select Repayment: The app will present repayment options that will lead you to confirmation

Other Features

Cash App is an excellent option for those who need a quick cash infusion. Here are some of the popular features it entails:

Direct Deposits

This feature allows users to set up direct deposits and receive paychecks directly into their Cash App account.

Investment Options

The app provides investment options to buy and sell stocks or bitcoin directly through the app.

Cash Boosts

The cash card provides various discounts and cash-back opportunities for selected merchants.

Banking Services

This allows services like routing and account numbers to set up direct deposits, making it a functional alternative to traditional banks.

SSL Security

Cash App integrates SSL technology that protects details like personal details and financial data.

Cash App

google-play app-store
Price Free
Downloads 100M+
Requires Android 7.0 and up, iOS 15.0 or up
Size 79 MB Android, 322 MB iOS

19. Rainy Instant Pay

rainy instant pay app logo

Google Play Store Rating: 4.7/5

Apple Store Rating: 4.8/5

Rain Instant Pay is one of the best cash advance sites like Dave that empowers the workforce to get immediate cash access before payday. The app is a great resource for covering unexpected expenses, building savings, and making spending decisions on your own terms.

Pros and Cons

Pros Cons
Access a portion of the earned wages before payday. Limited loan amount available.
Charges a small, flat fee per transaction. Repayments are automatically deducted.
Access cash advances without undergoing a credit check. Restricted access in some regions.

Loan Terms and Details

  • Loan Amount: Ranges from $20 to $200.
  • Processing Time: Transfer to your account instantly.
  • Repayment: The amount is deducted directly from the user’s paycheck.

Eligibility Criteria

To receive the loan amount, here are the following requirements that need to be fulfilled:

  • Must be employed by a company that has partnered with Rain Instant Pay
  • Employment status must be verified through your employer
  • Sufficient earned wages should be available for advance

Application Procedure

  • Download and Install: Get the app through Google Play or Apple Store
  • Create an Account: Sign up and create an account by providing all the necessary information
  • Verify Employment: Verify the employment status through the employer
  • Request Advance: Select the cash advance request up to the available limit
  • Receive Funds: Funds will be transferred to your linked bank account

Other Features

Looking for new apps like Dave? Rain Instant Pay offers a wide range of features to deliver a seamless loan-receiving experience:

Notifications and Alerts

This feature provides timely notifications and alerts regarding account activity, including balances, upcoming repayments, and transaction confirmations.

Payroll Integration

The app has seamless employer payroll systems that ensure accurate earned-wage tracking.

Expense Tracking

This tool helps users to track their expenses and monitor their spending habits. These insights are best for making informed decisions.

Direct Deposit

It helps transfer amounts directly into their Rain Instant Pay account, which is faster than traditional banking methods.

Customer Support

The app provides 24/7 robust customer support to assist users with any questions or issues they may encounter.

Rainy Instant Pay

google-play app-store
Price Free
Downloads 100K+
Requires Android 5.0 and up, iOS 12.4 or up
Size 34 MB Android, 108 MB iOS

20. CLEO

cleo app logo

Google Play Store Rating: 4.4/5

Cleo is a widely popular platform similar to Dave app that efficiently assists you in managing your finances right from your smartphone. It is currently the fastest-growing app on the Google Play store, with over 3.1 million users.

Pros and Cons

Pros Cons
Uses AI for personalized financial advice Cleo’s premium features require a subscription fee
Loan amount doesn’t require a credit check Loan amount may be lower compared to others
No hidden charges are present Cleo doesn’t offer physical banking services

Loan Terms and Details

  • Loan Amount: Ranges from $20 to $250 and $20 to $100 for first-time users
  • Processing Time: Funds are disbursed within a few hours
  • Repayment: The dates are set for the user’s next payday or agreed-upon date within a month

Eligibility Criteria

To receive the loan amount, here are the following requirements that need to be fulfilled:

  • Valid bank account with consistent income deposits
  • Must be at least 18 years old
  • Proof of a steady income, such as a job or a regular source of income

Application Procedure

  • Download and Install: Access the Cleo app from the Google Play store
  • Sign Up: Create an account by adding all the personal details and verify your identity
  • Link Bank Account: Connect your bank account to the app for spending analysis and to access the cash advance feature
  • Use the Chatbot: Collaborate with Cleo’s AI chatbot to set up your profile, budgets, and savings
  • Request for Cash Advance: If needed, request a cash advance through the chatbot, which will analyze your spending habits to determine eligibility

Other Features

If you’re looking for expert AI assistance, Cleo is a great platform to receive the best services. Here are the following features below:

Spending Insights

This feature provides detailed insights into spending habits to help users understand where their money goes.

Bill Reminders

It reminds users of upcoming bills and due dates to avoid late fees and missed payments.

Cleo Game

This engaging feature is designed to make financial management fun, offering interactive challenges and rewards for achieving financial goals.

Credit Builder Card

This is a valuable tool for users looking to improve their credit scores. The card does not require a credit check, making it easier for those with poor credit histories.

Personalized AI Chatbot

This feature makes Cleo stand out. It offers real-time financial insights, budgeting assistance, and saving advice. If you’re navigating through AI chatbots, you can watch out for the amazing AI features present in the dating apps in Dallas.

CLEO

google-play app-store
Price Free
Downloads 1M+
Requires Android 8.0 and up, iOS 14.0 or up
Size 91 MB Android, 113 MB iOS

How to Find the Right Apps Like Dave?

When finding the most aligned instant cash advance apps like Dave, you need to evaluate various factors, which are as follows:

  • Eligibility Criteria
  • Fee Plans
  • Interest Rates
  • Borrowing Limits
  • Credit-Building Options

Furthermore, you can also watch out for features and benefits of money loan apps like Dave entails, including:

  • Financial Literacy Tools
  • Overdraft Protection
  • Credit Options
  • Rewards

How to Quickly Pay Off a Cash Advance and Break the Loan Repayment Cycle?

infographic showing 3 tips to break free from the loan & repayment cycle

Repayment can sometimes be really challenging, and budgeting for the next day for your loan and bills can be difficult. Here, we’ve gathered some tips for breaking the loan and repayment cycle:

Use Budgeting and Spending Tools

Many applications like Dave provide budgeting and saving features that can enhance your financial situation. Using these resources is an effective initial move toward improving budgeting skills. They offer a glimpse into your spending patterns, aid in establishing financial objectives, and provide automated saving tools to simplify money management.

Earn Side Income

Rather than relying on borrowing money, you can use money borrowing apps like Dave to earn extra income. There are several ways to generate extra money, like freelancing, working part-time, or trying out gig economy jobs.

If you’re looking to earn money through freelance video editing, there are many apps like Capcut you can use for creating exceptional videos.

Keep Repayment Reminders

It is essential to be responsible in managing your loans. Schedule alerts for your payment deadlines to ensure you are ready and capable of making payments promptly. Staying organized with due dates can make managing your finances more manageable, helping you avoid late fees and extra interest charges.

Which One is Better: Cash Advance Apps Similar to Dave or Payday Loans?

Cash advance apps like Dave and payday loans are quite similar in terms of financial services. Instant cash advance apps and payday loans provide short-term loans, usually paid back with the borrower’s next paycheck. They are created to offer quick monetary assistance for minor, urgent costs.

However, the cash advance app has lower costs compared to payday loans. Even though certain applications may require monthly subscription fees or charges for quick transfers, these expenses are typically significantly lower compared to the steep interest rates and fees linked to payday loans.

If you find yourself in a tight spot and require only a small loan, using a cash advance app like Dave is the preferable option. However, there might be a charge for immediate access to funds, and certain applications require a monthly fee.

On the other hand, if your cash advance application only allows for a $500 loan but requires more than that, you may have to consider turning to payday loans like Dave instead. However, you need to be ready for costly charges.

Partner with Us for Developing Apps Like Dave

Dave app is not the only solution for financial emergencies. These lists of other loan apps like Dave can help you tackle financial issues easily. Every app has its own set of strengths and special attributes, but not all may be a perfect fit for your individual requirements. Hence, it is crucial to gain a better understanding of these applications and select the one that aligns with your needs.

If you’re considering developing apps like Dave, having the right team and app development experts is crucial. Trango Tech is an app development company with locations in the USA and many other parts of the world. They can assist you throughout the development process, offering the expertise of top mobile app developers.

Apps Like Dave FAQs

Q1. Are cash advance apps like Dave are safe?

The safety of using sites like Dave can vary depending on the specific app and its operating practices. Here are the following factors that influence the security:

  • The apps use SSL encryption to protect user’s personal and financial information during the transmission
  • Trusted apps comply with data protection regulations and use robust security measures to safeguard stored data
  • These types of apps use multi-factor authentication to add an extra layer of security

Are you also wondering about the security measures used in apps like Tinder? Check out our recent blog to learn more about the features used. You can also go through our blog on apps like Omegle to get insights on the functionalities and tech stack.

If you’re skeptical about the security guidelines of the best apps like Dave, here are some of the things to keep in mind:

  • Look for apps developed by well-known companies with positive reviews and ratings from users
  • Check out the reviews on the app stores to gauge the experience of other users
  • Be wary of the apps that do not clearly disclose their fee structure
  • Regularly monitor your bank account and the app for any unauthorized transactions or suspicious activity

Q2. Are there any other cash advance apps like Dave?

Yes, there are several other apps like Dave that offer small, short-term loans to help you cover expenses until your next paycheck. Here are some of the popular alternatives to Dave apart from the ones mentioned above:

  • PayActiv
  • Even
  • Albert
  • Pocketly
  • Big Buck Loans
  • Heart Paydays
  • Loan Solo
  • Ingo
  • PockBox

When choosing a cash advance app, consider features that align with your requirements, such as a loan amount limit, associated fees, and additional financial tools.

Q3. Which cash advance app instantly gives users $100?

You can find many cash advance apps that let you borrow $100 or more, including EarnIn, Brigit, Dave, and MoneyLion. To access cash for free, you can use these mentioned apps, but you have to wait one to three business days to receive it.

To access $100 instantly, you can use credit card cash advances or payday apps like Dave for loans, which can be a bit pricey. Credit cards charge a fee and higher APR for cash advances. Payday loans entail exorbitant rates and fees, which makes them non-preferable.

Q4. How to get a $200 loan instantly?

People can find various new cash advance apps 2024 to get quick funding for a small loan. However, you need to evaluate interest rates, loan terms, and fees before moving forward. Some lenders do provide small loans under $1,000 despite the fact that many do not offer such loans. This includes credit unions, online lenders, loan apps, and payday lenders.

The best cash advance apps 2024 that offer $200 loans instantly are:

  • Empower
  • Affirm
  • Possible Finance

Q5. How do cash advance apps work?

A cash advance is a form of money lending provided by the respective financial app. When you request a loan, you are taking it from the available balance on your credit card. You have to pay back the loan, and the transfer amount cannot exceed the current balance on your credit card.

The money you move or take out as a cash advance will be shown on your credit card bill, and interest will accumulate immediately. Cash advances usually have a greater APR than standard purchases, and you might have to pay a fee for taking them out.

Are you wondering how to make a cash advance app? Partner with the leading app development company for expert assistance. If you’re navigating how to make a social media app, check out our recent blog for in-depth insights.

About The Author

blog author
Rida Shahzad

Rida is a seasoned content writer with over four years of writing background in app development company. She holds a degree in Business Administration and has a keen knowledge in writing technical blogs, conversion-driven web pages, and online guides. Beyond her skills as a writer, Rida is also an artist, often found painting landscapes and expressing her creativity through poetry.

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