5 Apps Like Dave [2025]: Get a Jump on Payday

Dave is a popular mobile financial services app that offers users a range of features, but the app is probably best known for its ExtraCash™ Advances of up to $500¹ <p>Dave is not a bank. © 2025 Dave Operating LLC. All Rights Reserved.</p> <p>Evolve Bank & Trust, Member FDIC or another partner bank provides deposit accounts and issues the Dave Debit Card under a license from Mastercard.®</p> <p>All trademarks and brand names belong to their respective owners and do not represent endorsements of any kind.</p> <p>Dave is not a bank. Banking services provided by Evolve Bank and Trust, Member FDIC, or another partner bank, which issues the Dave Debit Card through a license from Mastercard®. ExtraCash amounts range from $25-$500, typically approved in 5 min, with an overdraft fee equal to the greater of $5 or 5%. Multiple overdrafts may be required. Not all members qualify for ExtraCash and few qualify for $500. ExtraCash is repayable on demand. Must open an ExtraCash overdraft deposit account and Dave Checking account. Up to $5 monthly membership fee for ExtraCash, Income Opportunity Services, and Financial Management Services. Optional 1.5% fee for external debit card transfers.</p> <p>Early access to direct deposit funds depends on timing and availability of the payroll files sent from the payer. These funds can be available up to 2 business days in advance of the scheduled payment date.</p> <p>Rates accurate as of 10/1/2024. The interest rates and annual percentage yields (APY) are variable and may change at any time at our discretion. No minimum deposit or minimum balance requirements. Fees could reduce earnings on the account.</p> <p>Out of network fees may apply.</p> <p>Deposit account funds are insured through Evolve Bank & Trust, Member FDIC, or another partner bank, on a pass-through basis up to $250,000. Conditions must be met to qualify for this insurance, which only protects against the failure of the bank where the account(s) is held. For more information regarding these conditions, see here.</p> . It's not the only app that offers cash advances, short-term loans, and other money-management features to help you make ends meet, though. Other apps offer services similar to Dave's, and in some cases, they're even better.

If you're at a paycheck-to-paycheck point in your financial journey and could use a little cash to tide you over between paydays, and you've heard of Dave but aren't sure it's a good fit, these apps like Dave might check more of your boxes.

Compare cash advance and other money apps like Dave

App	Great for…	Maximum cash advance
Chime®2 <p class="">Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC.&nbsp;<br></p>	Getting your paycheck early3 <p> Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.</p>	Up to $500 (based on eligibility) with MyPay®4 <p>To be eligible for MyPay, you must receive Qualifying MyPay Direct Deposits to your Chime Checking Account as set forth in the MyPay Agreement. A Qualifying MyPay Direct Deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Available Advance Amount may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See <a href="https://www.chime.com/policies/bancorp/mypay/">Bancorp MyPay Agreement</a> or <a href="https://www.chime.com/policies/stride/mypay/">Stride MyPay Agreement</a> for details.</p>
EarnIn	Instant cash	Access up to $150 per day with a max of $750 between paydays (based on eligibility)
MoneyLion	Money management features	Up to $500 (based on eligibility)
Current	Bigger cash advances	Up to $750 (based on eligibility)
Cleo	Freelancers	Up to $250 (maximum of $100 for first-time users)

1. Chime®

Chime®² <p class="">Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC.&nbsp;<br></p> is a general financial services app that offers cash advances of up to $500 through its Chime MyPay® service. App users are required to open and set up direct deposit to a Chime Checking account to use MyPay, so those who are happy with their current banking situation might want to look elsewhere. MyPay is only offered in select states.⁴ <p>To be eligible for MyPay, you must receive Qualifying MyPay Direct Deposits to your Chime Checking Account as set forth in the MyPay Agreement. A Qualifying MyPay Direct Deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Available Advance Amount may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See <a href="https://www.chime.com/policies/bancorp/mypay/">Bancorp MyPay Agreement</a> or <a href="https://www.chime.com/policies/stride/mypay/">Stride MyPay Agreement</a> for details.</p>

Once you've got a Chime Checking account and direct deposit set up, though, you could also get your paycheck up to two days early with direct deposit³ <p> Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.</p> — a feature that landed it on our list of best paycheck advance apps.

Visit Chime | Read our Chime review

2. EarnIn

EarnIn is a good choice for those who might need a more significant cash cushion between paychecks, offering both larger paycheck advances and the option to get paid multiple times between paychecks.⁸ <p>EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit <a href="https://www.earnin.com/">EarnIn.com</a> for full details</p> You can receive paycheck advances of up to $150 per day with EarnIn, if you qualify, and up to $750 per pay period. Dave, for reference, offers only lump-sum loans. You even have the option to get paid instantly for a $2.99 fee with EarnIn.

However, the maximum potential payment of $750 between paydays is only available after you've been on the app for some time, so EarnIn might not be the right choice if you need the money on short notice.

Another interesting feature is EarnIn's Balance Shield, which automatically transfers up to $100 to your linked bank account when it falls below a set threshold, giving you a buffer to avoid potentially overdrafting and incurring fees with your bank.

Visit EarnIn | Read our EarnIn review

3. MoneyLion

MoneyLion is simply roaring with features. Beyond cash advances, the app offers users mobile banking, credit builder loans, managed investing, and the option to earn rewards on gaming.

In fact, if you engage with certain features, like using MoneyLion's virtual RoarMoney^SM cashback card for the first time, you can get a temporary increase to your advance limit in MoneyLion's Instacash® cash advance tool.¹⁰ <p>Instacash® is an optional service offered by MoneyLion. Your available Instacash® Advance limit will be displayed to you in the MoneyLion mobile app and may change from time to time. Your limit will be based on your direct deposits, account transaction history, and other factors as determined by MoneyLion. Expedited delivery requires Turbo Fee. See Instacash® <a href="https://www.moneylion.com/terms-and-conditions/#ml-instacash">Terms and Conditions</a> for more information and eligibility requirements.</p>

Visit MoneyLion

4. Current

Beyond cash advances, Current also offers a range of features, including banking and investing. ¹² <p><b>Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC.</b>.</p>

Unlike some apps that offer banking options, though, you don't need to have an account with Current to use its cash advance service — you just need to connect your bank to Current.¹³ <p>Paycheck Advance is for eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. For more information, please refer to <a href="https://cdn.current.com/agreements/paycheck_advance_terms_11_25_2024.pdf">Paycheck Advance Terms and Conditions</a>.</p> You do need to have at least $500 in either your bank or Current account as well as have $500 in recurring deposits to qualify for a cash advance, however.

Current is accredited by and gets a good rating from the Better Business Bureau, which is something worth considering when looking at cash advance apps. Some apps can be a little predatory, and a good Better Business Bureau rating indicates a certain level of legitimacy.

Visit Current | Read our Current review

5. Cleo

Many cash advance apps require you to have a traditional job with demonstrated, regular pay to qualify for an advance. Because of its more flexible income requirements, Cleo could be a good choice for gig economy workers and other freelancers who don't get paid on a regular schedule.

While you don't need a subscription, it does make getting an advance easier. Users who aren't subscribed to Cleo Plus or Cleo Builder must contact customer service directly via email to apply for an advance.

Visit Cleo | Read our Cleo review

Bottom line

You can only stretch a dollar so far. Sometimes, you just need that payday to arrive a little earlier than scheduled, and these apps (among others) help you to do just that. If Dave doesn't seem like a good choice for you, and you're curious to review more options than we've covered here, check out our list of best cash advance apps for more.

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4.5

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No fees for standard speed transfers

Can work for any employer as long as you have a consistent schedule

There’s no hard or soft credit check + service won’t impact your credit score

You can access up to $750 between paydays