Dave ExtraCash
- Best for: Gig workers with uneven deposits who need a small advance now and then
- What Sets It Apart: Counts gig income toward your limit and sends advances to Dave Checking in seconds for free
- Loan Amounts: $25 to $500; few qualify for $500, and advances averaged $218 in the third quarter of 2026
- Terms: Due in full on your next expected payday, or the first or second Friday with irregular deposits
- Features: Delivery to an outside debit card within an hour, or free to an outside bank in up to three business days
- Monthly Fee: Up to $5 for the Dave membership ExtraCash requires
- APR: No interest; Dave publishes no APR for its fees
- Origination Fee: 5% of each advance, $5 minimum and $20 maximum on Dave’s current fee schedule
- Cost: 1.5% to an outside debit card; no late fee; $5 a month after a year without activity
- Credit Needed: None; Dave runs no credit check
- Eligibility: 18 or older, with Dave Checking and an ExtraCash account
- Pros: Free instant delivery to Dave Checking; no interest or late fees
- Cons: A fee on every advance, $5 minimum; few qualify for $500; repayment can overdraw your bank; FTC lawsuit pending
Use Dave ExtraCash only for a rare shortfall you can repay on payday. You pay a fee of at least $5 on every advance, plus a membership of up to $5 a month. If you’re paid by direct deposit on a steady schedule, try an advance app with no required fee first.
ExtraCash advances you $25 to $500 by letting you overdraw a deposit account at Dave’s partner bank, and Dave sets your amount from your deposits, balance, and spending, counting gig income too. Dave’s average advance was $218 in the third quarter of 2026, and the fee on that amount is $10.90, plus up to $5 for the month’s membership.
Key Features
- A required fee of 5% per advance, at least $5 and at most $20 on Dave’s current fee schedule, up from a $15 cap when the fee began in 2025
- A required Dave membership of up to $5 a month, billed until you cancel
- Delivery in seconds to a Dave Checking account at no charge, within an hour to an outside debit card for a 1.5% fee, or free to an outside bank in up to three business days
- Repaid by an automatic withdrawal of the full balance on your next expected payday, or on the first or second Friday after the advance when your deposits are irregular
Pros
- Free instant delivery to a Dave Checking account
- Gig and irregular income count toward your limit
- No interest or late fees when you can’t repay on time
- No credit check to qualify
Cons
- A fee on every advance, with no free way to borrow
- The $5 minimum fee is 12.5% of a $40 advance
- Few members qualify for the full $500
- Repayment withdrawals can overdraw your linked bank account, and you pay that bank’s fees
- A Federal Trade Commission lawsuit over its fees and its ads for advances of up to $500, filed in 2024, is still pending
ExtraCash suits gig workers with uneven deposits who need a few hundred dollars once or twice a year and can repay it from their next deposit. Workers paid on a steady schedule by direct deposit can get pay they’ve already earned from EarnIn with no required fee by waiting one to three business days for the transfer.
Learn more about Dave ExtraCash or see how it compares to the best cash advance apps.
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