Updated September 28, 2026 · BorrowCue Editorial Team
ASA Banka vs Dave
ASA Banka vs Dave: the differences
| Compare |  ASA Banka |  Dave |
|---|---|---|
| APR | 8.31% | 0%Lower |
| Loan amount | up to BAM 50,000 | $25 to $500 |
| Eligibility | Accounts for adult citizens of Bosnia and Herzegovina; loan applicants need regular monthly income, and fixed-term employees must have at least 12 months with the same employer | US members with a Social Security Number and a linked bank account; must open an ExtraCash overdraft deposit account and a Dave Checking account; not all members qualify |
| Loan types | Personal, Cash advance, Debt consolidation, Credit line, Secured, StudentCovers more | Cash advance |
| Term | up to 120 months | Not confirmed |
| Arrangement fee | Not confirmed | Overdraft fee equal to the greater of $5 or 5% per ExtraCash overdraft; optional 1.5% fee for external debit card transfers |
| Credit check | Not confirmed | None |
| Funding time | Not confirmed | Typically authorized within 5 minutes |
| Representative example | Long-term unsecured personal loan of 50,000.00 KM over 36 months, effective annual rate (EKS) 8.31% including related costs and fees | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | Not confirmed | 5% |
| Credit needed | Not confirmed | Poor |
Same on both: Lender type (Direct lender).
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Key differences
- APR is lower at Dave: 0% vs 8.31%.
- Support channels: only Dave offers Chat, Email.
- Loan types: only ASA Banka offers Personal, Debt consolidation, Credit line.
Our verdict on each
ASA Banka
ASA Banka suits borrowers in Bosnia and Herzegovina who want a fixed rate they can plan around, with unsecured personal loans at 8.31% and a long repayment window. Adults with regular monthly income, including fixed-term employees, can apply, and the lender also offers a free arrangement fee on its mortgage range.
Dave
Dave suits US members who need a small advance with no credit check. ExtraCash overdrafts run $25 to $500 at an APR of 0%, typically authorised Typically authorized within 5 minutes. Each overdraft carries a fee set at the greater of a flat charge or 5% of the amount.
Score breakdown
| Area | ASA Banka | Dave |
|---|---|---|
| Cost | 9.1Unsecured personal loans at 8.31% sit under the site median of 12%, and the home range charges BAM 0. | 9.1APR of 0% keeps interest at nothing, but each overdraft costs the greater of a flat charge or 5% of the amount. |
| Offer | 8.5 | 9.0Higher |
| Trust | 9.5Higher | 9.2 |
Pick ASA Banka if, pick Dave if
Pick ASA Banka if trust and loan types matter most.
Pick Dave if offer and apr matter most.
Availability and regulation
| Country | ASA Banka | Dave |
|---|---|---|
| United States | Not confirmed |
Additional countries for ASA Banka: 1. Additional countries for Dave: 1.
How they place
| Ranking | ASA Banka | Dave |
|---|---|---|
| Cash advance apps | 12 of 53 | 13 of 53 |
Every fact side by side
| Fact | ASA Banka | Dave |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Not confirmed | Same day funding |
| Legal entity | ASA Banka d.d. Sarajevo | Dave Operating LLC |
| Headquarters | Bosnia and Herzegovina | United States |
| Founded | 1957 | Not confirmed |
| Support channels | Phone, Help centre | Help centre, Chat, Phone, EmailCovers more |
Mortgages
| Fact | ASA Banka | Dave |
|---|---|---|
| Initial rate | 3.29% | Not confirmed |
| APRC | 3.78% | Not confirmed |
| Fixed period | 10 years | Not confirmed |
| Maximum loan to value | 80% | Not confirmed |
| Product fee | BAM 0 | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | ASA Banka | Dave | Median |
|---|---|---|---|
| APR | 8.31%below the median | 0%lowest quarter | 8.99% |
| Term | up to 120 monthshighest quarter | Not confirmed | 60 |
| Origination fee (%) | Not confirmed | 5%highest quarter | 0.25% |
Median across 1005 listed lenders.
Pros and cons
ASA Banka
Pros
- Unsecured personal loans priced at 8.31%, under the site median of 12%
- Repayment windows of up to 120 on a fixed rate
- Arrangement fee of BAM 0 on the home purchase and remortgage range
Cons
- Support runs through phone and help centre only
- Eligibility for accounts is limited to adult citizens of Bosnia and Herzegovina
- The home purchase rate of 3.29% needs a deposit reaching 80%
Dave
Pros
- No credit check: the listed credit check is none, so a poor credit file is not the obstacle.
- An APR of 0%, so the cost is carried by the overdraft fee rather than interest.
- Same-day funding: same day funding, with authorisation typically Typically authorized within 5 minutes.
Cons
- Overdraft fee on every advance: the greater of a flat charge or 5% of each overdraft, plus an optional percentage fee on external debit card transfers.
- Approval is not automatic: eligibility needs a US Social Security Number, a linked bank account, an open ExtraCash overdraft account and a Dave Checking account.
- Advances stop at $25 to $500, well under the €346.97 typically borrowed in the bad-credit category.
Who each suits
ASA Banka
Who it suits
- Adults in Bosnia and Herzegovina with regular monthly income
- Borrowers who want a fixed rate rather than a variable one
- Homebuyers comfortable putting a larger deposit down
Who should look elsewhere
- Anyone without a steady monthly income, or fixed-term applicants who have not yet built a waiting period with their employer
- Borrowers priced in another currency who want a fee-free personal loan, since BAM 0 applies to the home purchase and remortgage range
- Readers wanting a lender with a wider choice of support channels than phone and help centre
Dave
Who it suits
- US members with poor credit who want an advance with no credit check.
- Members ready to bank through Dave, since the advance requires both an ExtraCash overdraft account and a Dave Checking account.
- Anyone covering a short gap, given the $25 to $500 limit.
Who should look elsewhere
- Creduma ES, for anyone borrowing a larger sum, since its amounts start at from €12,000.
- Cashspace, for members who prefer a stated APR of PHP 12 to PHP 36 over a fee-based overdraft.
- Sofkredit, for members who want a stated rate of 10.74% to 18.06% and a term loan rather than a cash advance.
Current offers
ASA Banka
Current offer
Bonus
Akcija stambenih kredita (mortgage loan campaign)
Source, checked September 26, 2026
Bonus
Poštedi se briga - Ostvari dodatni prihod i osiguraj novac (savings action with free ASA Central insurance): Free ASA Central insurance
Source, checked September 26, 2026
Discount code
Naša srijeda - Wednesday benefits for ASA Bank card customers
Applies to users of ASA Bank cards every Wednesday
Source, checked September 26, 2026
Country by country
| Country | ASA Banka | Dave |
|---|---|---|
| Bosnia and Herzegovina | Yes | No |
| United States | No | Yes |
Questions about each
ASA Banka
What rate do ASA Banka personal loans charge?+
Unsecured personal loans run at 8.31%, and that rate is fixed rather than variable, so monthly payments stay level for the life of the loan. The representative example given covers long-term unsecured personal borrowing and states 8.31% including related costs and fees.
How much can I borrow and for how long?+
Unsecured personal loans reach up to BAM 50,000 and run for up to 120. The same bank also offers cash advance, debt consolidation, credit line, secured and student lending, so a larger purchase can be covered through a secured product instead.
Dave
How much does an ExtraCash advance cost?+
The advance itself carries an APR of 0%, so the charge is the overdraft fee rather than interest. That fee is set at the greater of a flat amount or 5% of each overdraft, and an optional percentage fee also applies when the money is transferred to an external debit card.
How quickly does the money arrive?+
Authorisation is typically quick: Typically authorized within 5 minutes, and same day funding is listed among the product's features. The advance reaches the linked bank account and behaves like an overdraft, so the balance sits on the account until it is repaid rather than arriving with a separate bill.