Updated September 28, 2026 · BorrowCue Editorial Team
Brigit vs Dave
Brigit vs Dave: the differences
| Compare |  Brigit |  Dave |
|---|---|---|
| Arrangement fee | 0 (no origination fee; optional Express Delivery fee applies for Plus members) | Overdraft fee equal to the greater of $5 or 5% per ExtraCash overdraft; optional 1.5% fee for external debit card transfers |
| Funding time | Standard delivery 1-3 business days free; Express Delivery within 20 minutes for a fee (free on Premium) | Typically authorized within 5 minutes |
| Lender type | Broker | Direct lender |
| Eligibility | US residents 18 years or older; checking account active 60+ days, balance above $0, at least three recurring deposits from the same source | 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 | Payday, Cash advanceCovers more | Cash advance |
| Rate type | Fixed | Not confirmed |
| Origination fee (%) | Not confirmed | 5% |
Same on both: APR (0%), Loan amount ($25 to $500), Credit check (None), Free early repayment (Yes), Credit needed (Poor).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Dave scores higher overall: 9.1 vs 8.8.
- Support channels: only Dave offers Chat.
- Loan types: only Brigit offers Payday.
Our verdict on each
Brigit
Brigit suits US adults with poor credit and a bank account that already shows incoming deposits, and borrowing costs nothing: the annual rate is 0% and the arrangement fee is free. Money can arrive the same day, but sums are small at $25 to $500.
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 | Brigit | Dave |
|---|---|---|
| Cost | 9.5HigherThe rate is 0%, the arrangement fee is free, and early repayment is free; the only charge is paid Express Delivery on Plus. | 9.1APR of 0% keeps interest at nothing, but each overdraft costs the greater of a flat charge or 5% of the amount. |
| Offer | 8.7 | 9.0Higher |
| Trust | 8.3 | 9.2Higher |
Pick Brigit if, pick Dave if
Pick Brigit if cost and loan types matter most.
Pick Dave if offer and trust matter most.
What we checked
Brigit
- hellobrigit.com: 14 facts, checked September 26, 2026
- help.hellobrigit.com: 2 facts, checked September 26, 2026
Dave
- dave.com: 15 facts, checked September 26, 2026
How they place
| Ranking | Brigit | Dave |
|---|---|---|
| Loans for bad credit | 67 of 275 | 114 of 275 |
| Cash advance apps | 3 of 53 | 13 of 53 |
Every fact side by side
| Fact | Brigit | Dave |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Bridge It, Inc. | Dave Operating LLC |
| Headquarters | United States | United States |
| Founded | 2017 | Not confirmed |
| Support channels | Email, Phone, Help centre | Help centre, Chat, Phone, EmailCovers more |
Where each stands against the rest
| Fact | Brigit | Dave | Median |
|---|---|---|---|
| APR | 0%lowest quarter | 0%lowest quarter | 8.99% |
| Loan amount | $25 to $500lowest quarter | $25 to $500lowest quarter | $35,000 |
| Origination fee (%) | Not confirmed | 5%highest quarter | 0.25% |
Median across 834 listed lenders.
Pros and cons
Brigit
Pros
- The annual rate is 0%, so the advance is free to take out and free to hold while you keep it.
- The credit check is none, so there is no bureau search to pass, and the rating needed is poor.
- Same day funding is a headline feature (same day funding), so an urgent bill does not have to wait for a full transfer cycle.
Cons
- The advance tops out at $25 to $500, so it will not stretch to a large bill or a consolidation.
- Eligibility is narrow: US residency, a minimum age, a checking account open for a waiting period, a balance above the minimum, and repeated deposits from the same source.
- Brigit is a broker, so the advance is placed by a partner lender rather than priced by Brigit itself.
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
Brigit
Who it suits
- US adults with a poor credit history who want a free rate and will accept a small sum.
- Anyone who will not pay interest to hold a balance: alternatives such as Cashspace at PHP 12 to PHP 36 and Creditilia ES at 4% to 289% both cost money to carry.
- People whose checking account has been open a long time and receives the same deposits each month.
Who should look elsewhere
- Anyone chasing a large sum: the advance is capped at $25 to $500, so a bigger loan such as Andacredito at 0% to 36% may suit a larger bill.
- Readers without a steady deposit history, since the eligibility test is built on an account with recurring deposits rather than on a credit file.
- Borrowers who plan to carry a balance over a term, since Brigit's payday and cash advance products reward clearing the advance quickly.
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
Brigit
Current offer
First period offer
Brigit Premium plan includes free Express Delivery on cash advances: $15.99/month plan, free Express Delivery
Premium membership; cancel anytime; not available in all states
Source, checked September 26, 2026
Country by country
| Country | Brigit | Dave |
|---|---|---|
| United States | Yes | Yes |
Questions about each
Brigit
What does a Brigit advance cost?+
The annual rate is 0%, so the advance is free to take out and free to hold. The arrangement fee is free as well, with no origination charge on the advance itself. The one optional cost is Express Delivery, which carries a fee for Plus members and is free on Premium accounts. Clearing the advance early costs nothing either.
Does Brigit run a credit check?+
The credit check is none, so there is no bureau search to pass, and the rating needed is poor. Approval leans on your bank account and its deposit history instead of on a credit file. For a borrower with a damaged score that is the point of the product rather than a shortcut.
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.