Dave is one of the most popular pay advance apps currently on the market for small cash advances and to protect customers from on top the roof overdraft and interest charges. It offers cash advances of up to $50 to $100 to help prevent customers’ bank accounts from over-drafting while they are waiting for their next paycheck. Dave platform also offers a checking account to people who might have trouble getting (or do not want to use) traditional bank accounts.
Just imagine waking up thinking it’s going to be just another day, but then your car breaks down. Your electricity bill arrives and it’s much higher than it usually is. You fall ill unexpectedly. An old friend comes into town and you have to go have a fun night out with him. You don’t have enough money to cover what you need and payday is still far away. This is where the Dave app comes in. Dave helps you get through financial emergencies without throwing you under a pile of debt by providing interest-free cash advances.
Top 10 Free Loan Apps Like Dave For Small Cash Advances To Help You Sail Through Until Your Next Payday
Dave’s biggest pro is that it learns your spending habits. That sounds a bit invasive, but the information it learns is used to help you keep better track of your money. It does this by letting you know if your account gets below a certain amount and if you have an automatic payment coming up but don’t currently have enough in your account to cover it.
The best and most reputable cash advance apps like Dave for small cash advances with no overdraft or interest charges include Chime App, Earnin App, Brigit App, Empower App, MoneyLion App, Even App, PayActiv App, Dailypay App and Varo App among others. These instant loan applications work exactly like Dave and can give you quick access to your paycheck without any credit check when you hit unexpected expenses while you repay on your next payday.
1. Brigit App
Brigit is one of the most popular and most reputable cash advance apps like Dave that you can use for small payday advances. It works by letting you borrow money and pay it back when your next paycheck is deposited. With Brigit Plus, you get a cash advance within 20 minutes whilst the standard accounts get it within 1 to 2 business days. To be able to request up to $250, you need to uograde to the $9.99 per month plus plan. It’s definitely one of the top instant cash advance apps like Dave you can get.
While Dave only gives you a maximum cash advance of $200 if you have a Dave spending account and $100 without one, Brigit offers up to $250. On top of that, Brigit allows you to extend the due date on your first loan once without incurring a penalty or late fee. The more you use the service, you’ll be able to earn more extension credits that will let you postpone loan repayment up to three times in a row. Like Dave, Brigit charges a membership fee, but the price points and benefits differ greatly.
To Apply for Brigit loan, click here.
2. Earnin App
Within 1-2 business days or even less depending on which option you opt for, you can get a cash advance with Earnin, another very popular and reputable cash advance apps like Dave. With Earnin, originally called ActivHours, you can make anyday your payday by taking an advance on your pending earnings. The platform lets you borrow between $100 to $500 a day from your outstanding paycheck without having to deal with the excessive fees and interests of the usual payday loans.
All you have to do is log into the app, tell the company where you work and bank, and it’ll use location services or timesheets to calculate how much time you spent on the job that day. Next, you’ll need to multiply the hours you worked by your hourly rate, and Earnin will advance the money you earned that day within one to two business days or instantly if you opt for the Lightning Speed feature.
To Apply for Earnin loan, click here.
3. Empower App
Yet another popular app like Dave, Empower is a simplified lending platform which allows you to withdraw from $25 to $250 and you pay automatically when you receive your next paycheck. It’s our no 4 in our list of instant cash advance apps like Dave. Want a quick cash advance but don’t want to deal with interest rates or late fees? Consider using Empower to receive up to $250 whenever you need a cash injection to take care of your bills and expenses.
When you apply for a loan on the platform the money will be disbursed to your Empower checking account free of charge or to an external bank account for a flat fee of $3. You can even get access to your paycheck two days earlier thanks to Empower’s Early Paycheck Deposit feature. Empower is definitely one of the top apps like Dave.
To Apply for Empower loan, click here.
4. MoneyLion App
Yet another reputable cash advance app like Dave, MoneyLion allows you to draw up to $250 without credit check and thus a highly recommended payday loan for credit access. You can use MoneyLion to get cash advances whenever you have unplanned expenses that need sorting out. The process for getting a cash advance on MoneyLion is much faster than Dave by a few days.
Compared to Dave which charges a $1 monthly fee to enable it to furnish you with loans, MoneyLion doesn’t require any fees or interest on cash advances. Instead, the company asks that you leave an optional tip whenever you get a cash advance so that MoneyLion can remain interest-free and available to as many users as possible.
To Apply for MoneyLion Loan, click here.
5. Even App
Even is one of the very popular cash advance apps like Dave that help you process quick emergency cash loans to meet unexpected expenses. Even facilitates your request to get payment on-demand by working with thousands of employers who have partnered with the company. There’s no interest involved, but the appcharges a membership fee of $8 per month. Whether you need to fill your gas tank, pay a bill, treat yourself to a good time, or buy groceries, Even app is there to help you deal with life’s surprises by giving you access to cash within minutes.
Even works with more than 18,000 banks for its InstaPay feature that deposits cash to your bank account within one business day. However, the Even app does not disburse loans, unlike some other apps on this list. It only allows quick access to wages that you have already earned.
To be eligible to borrow money from Even, you need to work for a qualifying employer. Even will then furnish you with an advance of up to 50% from your paycheck depending on your salary history. Just like Dave, Even does not collect interest rates or taxes when you take a cash advance from the service. However, like its counterpart, Even requires a monthly subscription fee to enable you to cash out from the platform.
To Apply for Even Loan, click here.
6. PayActiv App
Next on our list of the best cash advance apps like Dave is PayActiv. One of the most attractive features of PayActiv is the fact that you can use the cash advance service during federal holidays and weekends in the US. The platform is designed to help employers provide their employees with early access to their paychecks. However, you are still eligible to use the service even though your employers don’t have an account with PayActiv. In this instance, you’ll have to apply for a PayActiv card to be able to receive a pay advance from your wages up to two days ahead of the due date.
Once you register on PayActiv, you’ll be able to view the number of hours you’ve worked and your current earnings from the app. Like Dave, PayActive app doesn’t charge interests on cash advances, the amount withdrawn is simply deducted from your next paycheck.
To Apply for PayActiv Loan, click here.
7. Branch App
One of the best cash advance apps like Dave, Branch, also offers personal loans in most countries it operates in. In the US, it offers a cash advance of up to $150 per day or up to $500 of your paycheck. It offers no-fee checking, a debit card, and free ATM access at more than 40,000 locations across the US. You can also receive money, transfer funds, and pay bills through the Branch app. It charges $2.99 to $4.99 for instant advances to your debit card, while standard advances to your bank account are free of charge and take up to three business days.
Branch helps businesses accelerate payments and empower working Americans. It also allows employees of participating companies to access part of their wages. This is deducted from their earned wages. This fintech platform is particularly useful for employers who have lots of underbanked or unbanked employees. It provides them with a free digital account and debit card for transactions. Branch lets you withdraw up to $500 in advance per pay cycle of $150 per day based on how many hours of work you do and wages you earn. However, the catch is that your employer also has to set up an account on Branch.
To Apply for Branch Loan, click here.
8. Chime App
Chime is another app that offers earned wage access to users and it works similarly to Even and DailyPay offering you access to your salary two days earlier than the scheduled payment date. It does not directly provide you with a cash advance like Dave. Chime is free to use and charges no monthly maintenance fees, minimum balance fees, or foreign transaction fees. The maximum amount you can request is $200 but you have to start building your account to qualify. However if you’re in urgent need of a little cash, Chime can lend you up to $100 before your paycheck arrives.
Chime has been in the fintech business for almost a decade now serving as an online bank account where you can make direct deposits, transfer money, send checks, pay bills online and get a cash advance on your salary when you’re low on funds. While Dave charges you a monthly subscription fee of $1 to maintain your account and Express fees between $1.99 and $5.99 for quick processing of your cash advance, Chime is completely free to use. It charges zero maintenance fees, transaction fees, minimum balance fees, or hidden fees. With Chime’s Spot Me feature, you can overdraw up to $200 on your account depending on your repayment history.
To Apply for Chime loan, click here.
If you’re looking for the best cash advance apps like Dave to help you solve urgent financial needs when you’re low on cash without attracting hefty overdraft fees on your account, then Daily is your option. With DailyPay, you can get an advance on your earnings before your next payday and save over $1,205 in overdraft fees, loan interest, and late fees.
Whenever you clock in for a shift, your earnings for the day will be added to your DailyPay account. You can transfer the earned amount to your bank account any time you want and DailyPay will deduct the advances from your salary when payday comes around. The app charges a modest transfer fee of $1.99—which is on par with what Dave charges—on each withdrawal to deposit your cash advance by the next business day. Alternatively, you can pay $2.99 for an instant transfer.
To Apply for DailyPay Loan, click here.
The final app on our list of best advance cash apps like Dave is Varo, which allows you access up to $100 and you pay a fee depending on your cash advance requested. All of the advances must be paid back within 30 days. Once you set up a direct deposit on your Varo account, you’ll be entitled to withdraw any amount you want from your earned wages ahead of time.
The pay advances you receive from Varo are interest-free, just like the advances that Dave offers. You won’t even have to pay transfer fees, foreign transaction fees, or keep a minimum balance.
To Apply for Varo Loan, click here.
The top 10 best and most reputable cash advance apps like Dave for small cash advances with no overdraft or interest charges include Chime, Earnin, Brigit, Empower, MoneyLion, Even, Branch, PayActiv, Dailypay and Varo among other reliable apps. These lending applications can give you quick access to your paycheck without any credit check when you hit unexpected expenses while you repay on your next payday. Some of these cash advance apps also offer various other business and financial tools, including access to digital banking services, investment, savings and a lot more.