Dave ExtraCash
Dave ExtraCash offers cash advances up to $500, with no interest and no credit check. It charges a 5% fee per advance, but never less than $5. There is also a membership fee of up to $5 a month, whether or not you borrow. Getting funds instantly to your Dave Checking account is free. An external debit card costs 1.5% more, or you can wait about 3 business days for a free transfer to an outside bank account.
$500
Max advance
$5/mo
Subscription
None
Credit check
The details
- Max advance
- $500
- Limit resets
- Other
- Mandatory fees
- 5% fee per advance, $5 minimum, no published cap. Plus a required membership of up to $5 a month. It includes job-matching and budgeting tools.
- Interest
- None
- Late fee
- None
- Credit check
- None
- Direct deposit required?
- No
- Bank-link required
- Yes
- Instant transfer
- Within 1 hour, to an external debit card
- Instant transfer fee
- 1.5% of the transfer amount
- Free transfer
- Seconds to a Dave Checking account, or about 3 business days to an external bank account
- Tips
- None
- Eligibility
- The minimum advance is $25. If your account sits idle for 12 months with no deposits or withdrawals, Dave charges a $5 monthly inactivity fee. Dave reassesses your eligibility and advance amount every day. Dave is mid-migration between partner banks: it publishes parallel Coastal and Evolve versions of the deposit agreement and the ExtraCash fee schedule, and its footer says banking is provided by Coastal Community Bank "or another partner bank". The pages we cite are the Evolve versions. Dave does not tell you outside the app which bank holds your money.
Pros & cons
Pros
- Dave checks your account daily, so your limit updates without reapplying.
- Get funds instantly and free, straight to a Dave Checking account.
- No interest and no credit check, ever.
Cons
- Fees have a $5 minimum, so small advances cost more, and there's no cap.
- There's a membership fee, up to $5 a month, even if you never borrow.
- Want cash on your own debit card? That's another 1.5% on top.
Compare Dave ExtraCash to other cash advance apps
| App | Editors' rating | Member rating | Max advance | Instant fee | Firstcard clicks (12 mo) | |
|---|---|---|---|---|---|---|
| — | — | $500 | Varies (see details) | — | |
 | 4.7 | 5.0 (1 review) | $750 | Not published | 30,777 | Get Cash Advance |
 | 4.6 | 4.5 (3 reviews) | $750 | $3.99–$37.49 | 11,154 | Get Cash Advance |
 | 4.5 | 4.5 (2 reviews) | $500 | $2–$25 | 3,474 | Get Cash Advance |
Similar apps are picked automatically: same category, ranked by Firstcard editors' rating. Clicks are Firstcard members sent to each app in the last 12 months, with suspected bot traffic excluded.
A warning from Firstcard
- Borrow with a plan. Take an advance only for a specific, necessary expense, and know exactly which paycheck repays it before you tap the button.
- Don't stack apps. Using more than two cash advance apps at once is how the debt spiral starts. We don't recommend it, ever.
- Avoid instant fees. Express delivery is extremely expensive for the days it saves, see the APR math above. If a free delivery option exists, use it.
Relying on an advance every paycheck? Learn how these apps really work →
How Firstcard works
Firstcard exists to make finance simple and accessible, so anyone can choose the right financial product with confidence. That means showing every fee and every catch upfront, and holding ourselves to the same standard. Here is how Firstcard works, and how we make money.
How we rate. Our editors' rating for a cash advance app weighs what it truly costs to use (the instant fee plus any required subscription, not the advertised “no interest”), how much you can actually get, how fast the free option delivers, what you need to qualify, and how repayment works. Ratings run 1 to 5 in tenths and compare products only within their own category, so a 4.5-star cash advance app is not “better” than a 4.0-star credit builder: they do different jobs. Treat the rating as one input, not the decision. See how we rate financial products.
How we make money. Firstcard may earn a commission when you click a link on this page, get approved, or open an account. That is what keeps our comparisons free to use. See how we make money and our current partners.
Ratings versus placement. Star ratings, member reviews, and our cost math are never influenced by money, and no partner sees a review before it publishes. Where a product appears is a separate question: featured spots and default ordering can reflect partner compensation and what members click and choose. That is why the rating and the real numbers travel with every product, wherever it sits. See our Advertiser Disclosure and Editorial Guidelines.
Terms change, so check before you apply. These terms come from the providers, not from us, so we cannot guarantee they are current or complete, and anything a member reports describes their own account rather than the offer you will be given. Always confirm the fees and terms on the provider's own site before you apply. If you spot something wrong here, email support@firstcard.app and we will fix it.
