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

Dave is one among many apps that offer users the chance to borrow against their paycheck when they need cash now. Consider giving one of these options a shot.

By Steve Miller

Edited by Melinda Sineriz, ABFP™

Updated Feb. 28, 2025

Dave is a popular mobile financial services app that offers users a range of features, including its ExtraCash™ Advances of up to $500¹ 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. 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. 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>. . 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®

Great for getting your paycheck early

Product details

Maximum cash advance: up to $500 (based on eligibility)
Transfer speed: 24 hours, or instantly for a $2 fee
Better Business Bureau rating: Not accredited, B- rating

Chime® is a general financial services app that offers cash advances of up to $500 through its Chime MyPay service.² 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.  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 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. — a feature that landed it on our list of best paycheck advance apps.

Pros

No monthly fees⁴ There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.
No interest on MyPay advances
Up to $200 in overdraft coverage available via SpotMe®⁵ SpotMe® for Credit Builder is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account; SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, “SpotMe”). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month. Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won't cover non card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. <a href="https://www.chime.com/policies/">SpotMe on Credit Builder Terms and Conditions</a>.

Cons

Requires a Chime Checking account to get advances
Only available in 34 states

Visit Chime | Read our Chime review

2. EarnIn

Great for overdraft protection

Product details

Maximum amount: Access up to $150 per day with a max of $750 between paydays (based on eligibility)
Transfer speed: 1-3 business days, quicker for a fee ⁶ Lightning Speed is an optional service that allows you to expedite the transfer of funds for a fee. Depending on the product, the fee may be charged by EarnIn or its banking partner. See the <a href="https://www.earnin.com/privacyandterms/terms-of-service/fees">LS Fee table</a> for details.
Better Business Bureau rating: Accredited, A+ rating

EarnIn is a good choice for those who might need a more significant cash cushion between paychecks.⁷ 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 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.

Pros

No interest
No credit check
Potentially access up to $750 between paydays

Cons

Lower cap on payments per pay period for new users
$150 daily cap on advances, $100 for residents of Washington D.C., Connecticut, Maryland, Massachusetts, and New York
Freelancers or part-time workers likely won’t qualify

Visit EarnIn | Read our EarnIn review

3. MoneyLion

Great for additional features

Product details

Maximum cash advance: up to $500 (based on eligibility)
Transfer speed: Could take up to five business days to have funds transferred to an external account, quicker for a Turbo Fee of $0.49-$8.99 depending on the disbursement amount.⁸ Fees apply for optional Turbo delivery within minutes. <a href="https://www.moneylion.com/pricing/#InstacashCashAdvances">Turbo Fees</a> vary based on the advance amount and disbursement account you choose.
Better Business Bureau rating: Not accredited, C- rating

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^SMcashback card for the first time, you can get a temporary increase to your advance limit in MoneyLion’s Instacash® cash advance tool.⁹ 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.

Pros

No subscription requirement
Offers cash advances of up to $500
No credit check
Can earn rewards by downloading games

Cons

Website confusing to navigate
Free transfers could take up to five business days

Visit MoneyLion

4. Current

Great for bigger cash advances

Product details

Maximum cash advance: up to $750 (based on eligibility)
Transfer speed: Within three days for free; instantly for a fee (disclosed when you take a cash advance)¹⁰ Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. 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>.
Better Business Bureau rating: Accredited, A rating

Beyond cash advances, Current also offers a range of features, including banking and investing. ¹¹ Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC..

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 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>. 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.

Pros

No interest on cash advances
Advances of up to $750 (based on eligibility)
No credit check

Cons

Regular paychecks of at least $500 total required to qualify for an advance
Not available in Connecticut, Maryland, Nevada, or Washington, D.C.

Visit Current | Read our Current review

5. Cleo

Great for freelancers

Product details

Maximum cash advance: up to $250 (maximum of $100 for first-time users)
Transfer speed: Three to four days for free, same-day for $3.99 to $9.99 depending on the amount
Better Business Bureau rating: Not accredited, B+ rating

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.

Pros

Don't need to be traditionally employed
No interest
No credit check

Cons

Must contact customer service to apply for an advance if you don't subscribe
Difficult to find subscription details

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.