Dave review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
A small, fee-based overdraft advance for US members with poor credit and no credit check.
APR
0% (Source, checked September 26, 2026)
Loan amount
$25 to $500 (Source, checked September 26, 2026)
Arrangement fee
Overdraft fee equal to the greater of $5 or 5% per ExtraCash overdraft; optional 1.5% fee for external debit card transfers (Source, checked September 26, 2026)
Credit check
None (Source, checked September 26, 2026)
Funding time
Typically authorized within 5 minutes (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
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 (Source, checked September 26, 2026)
Origination fee (%)
5% (Source, checked September 26, 2026)
Loan types
Cash-advance (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
Dave Operating LLC (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Support channels
Help-centre, Chat, Phone, Email (Source, checked September 26, 2026)
Features
Same-day funding
Official website
dave.com

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedIntiktok.com

Pros and cons

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.
  • Free early repayment is available, so clearing the balance sooner adds nothing to the fee.

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.
Dave

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Scored 9.1 / 10 by BorrowCue.

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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.

How Dave compares

Where Dave is available

Available
United States
Licence in United States
Nationwide Multistate Licensing System (NMLS) (2675197), checked September 26, 2026
Licence in United States
California (state debt collection license) (11697-99), checked September 26, 2026
Licence in United States
Office of Consumer Credit Commissioner (OCCC), Texas, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

Does the application run a credit check?+

No. The listed credit check is none and the credit profile the product is built for is poor, so the decision does not hinge on your credit file. Eligibility matters instead: a US Social Security Number, a linked bank account, an open ExtraCash overdraft account and a Dave Checking account, and not every member qualifies.

How much can I borrow?+

ExtraCash advances run $25 to $500 on a single overdraft, which covers an emergency but not a large expense. cash advance describes the product as a cash advance, so it is not a term loan repaid through scheduled instalments.

Who regulates Dave?+

Dave Operating LLC is the named legal entity and it lends directly rather than brokering. It is listed in the Nationwide Multistate Licensing System under 2675197, holds a California state debt collection licence and is registered with the Office of Consumer Credit Commissioner in Texas.

Can I repay the advance early without a penalty?+

Free early repayment is listed as available, so paying the overdraft back before it is due adds nothing beyond the overdraft fee of 5% of the amount. The advance sits on the account as an overdraft, so the balance falls as money comes in rather than being settled through a separate loan schedule.

Is Dave available outside the US?+

No. The product is offered in a single US market, with US as the home market and eligibility limited to US members who hold a Social Security Number and a linked bank account. Applying from another country does not meet the stated eligibility.

Sources

  • dave.com checked September 26, 2026

    Backs: Credit check, Credit needed, Headquarters, Legal entity

    “Dave does not require a credit check at any point. We look at the bigger-picture beyond your credit score or history”

  • dave.com/about-extra-cash checked September 26, 2026

    Backs: Loan amount, APR, Features, Free early repayment, Funding time, Loan types, Arrangement fee, Origination fee (%)

    “ExtraCash amounts range from $25-$500”

  • dave.com/licenses checked September 26, 2026

    Backs: Lender type, Support channels, Licences

    “Dave Operating LLC (NMLS #2675197) holds the following licenses”

  • dave.com/no-hidden-fees checked September 26, 2026

    Backs: Eligibility

    “Do I need a social security number to use Dave? Yes. Your Social Security Number (SSN) is a unique and secure way for us to identify you”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Representative example.

Dave

Dave

A small, fee-based overdraft advance for US members with poor credit and no credit check.

9.1/10See alternatives

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