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, including its ExtraCash™ Advances of up to $500¹ <p>ExtraCash™ is a DDA account with overdraft utility, advances are subject to eligibility requirements and identity verification. Taking an ExtraCash™ advance will make your account balance negative. Express delivery fees apply to instant transfers. Average approved advance is $120 as of October 10, 2022. See the <a href="http://dave.com/extra-cash">Extra Cash Account Agreement</a> for more details.</p> <p>Early access to direct deposit funds depends on timing and availability of the payroll files sent from your employer. These funds can be made available up to 2 days in advance.</p> <p>Rewards are not offered by Evolve Bank & Trust, but instead are offered and managed by Dave, Inc., in partnership with Figg. For full terms, see <a href="http://dave.com/terms">Dave Terms of Use</a>.</p> . But it’s not the only app that does that.

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, these other apps could be a good place to look as well.

1. Chime®

Chime® is a general financial services app that offers cash advances of up to $500 through its Chime MyPay service.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> 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.

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.⁷ <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> 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.

One interesting feature is EarnIn’s Balance Shield, which you could set up to automatically transfer 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.⁹ <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. ¹¹ <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.¹² <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

FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.

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

Author Details

Steve Miller

Steve Miller is a Senior Editor at FinanceBuzz and has worked in the personal finance, legal, and academic publishing fields. He's researched and written about topics in credit cards, travel, and economics, in addition to covering subjects in the arts, humanities, and medicine. Steve is based in Philadelphia, Pennsylvania.