Budget upcoming expenses before payday and advance $75 from your next paycheck interest free. No credit check. Just $1/month.
"I invested in Dave because I got crushed by overdraft fees in my 20’s. For anyone who wants to be successful, I always advise to cut down on useless expenses and save money. Overdraft fees are the definition of useless."
***Winner of the prestigious JP Morgan 2017 Financial Solutions Lab***
BUDGET: Plan for upcoming expenses like your rent, phone bill or even places you go to often like McDonald’s.
BORROW: Instantly advance up to $75 from next paycheck. No interest. No credit check. Just pay it back in 10 days plus tip to thank me..
ALERT: If you spend more than you planned for, I’ll alert you to prevent a negative or low balance.
LIFESAVER: Dave saves the average American from $136 in overdraft fees a year.
►WHAT PEOPLE ARE SAYING◄
“This $1/mo subscription appears radically reasonable beside the cost of overdraft fees ($34).” Dave advances are 0% interest. The average overdraft has an interest rate of 17,000% and payday loans are crazy expensive at 600% interest or more.”
“For Workers In A Pinch, Dave.com Experiments With No-Interest Paycheck Advances”
“This App Will Loan You $75 Interest Free to Avoid Overdraft Fees. Overdraft fees are the worst. A solid solution: Dave. Not your buddy from college, the app.”
“Bank overdraft fees are here to stay. Thankfully, there's Dave.com.”
Minor improvements on how to view your account balance and squashed some bugs.
Ratings and Reviews
I found Dave via Facebook and read a lot of comments from people making fun of the service, making it sound like people who need it don’t manage their money very well. I was curious to see what it was about and why others feel the need to make fun of people who use it, so I downloaded the app (not expecting to use it, but to just see what it was). As circumstances presented themselves, being a single mom with zero help from the other parent, and trying to provide for my kids (I work full time and go to school full time so I can put myself in a better place, but until then things are pretty tight) - I found myself facing an overdrawn check fee (I wrote a check to register my daughter for school and had something else clear my checking account that wasn’t supposed to go through, which means I didn’t have enough funds for the check I wrote). I remembered I’d installed the Dave app a couple of weeks ago and within a few minutes, I was approved for a small loan and because I paid the extra $4.99 expedite fee, the money was deposited into my bank account within the hour. Dave only charges a $1.00 fee to loan you the money plus any tip you’re willing to donate, but is not required. When your paycheck is due to deposit, Dave takes the loan and fee back out of your bank account and that’s all there is to it! It’s very easy and painless and definitely worth the $1.00 fee to not have to pay an overdraft/insufficient funds fee to your bank.
Developer Response ,
Hi krzylkafox, we're so glad to hear about your experience! Happy to have helped you out of a tight spot. Thanks for the awesome review!
Real-world, real-time lifesaver!
I am a natural skeptic when it comes to apps such as these, but just today I had a real-world experience that Dave helped me out with. The deets:
This morning, I had an out-patient procedure at a hospital in downtown Philly. I was supposed to take my wife’s ATM card and use that for parking. I’m my haste, not only do I forget her card, but I also left my main ATM card at home, leaving me only with my phone, Apple Watch, backup ATM card and 20 bucks. After my procedure I return to the lot to discover that parking was $26 - $6 more than I had on me. Wife works 40 minutes away and no way she could text me the money through iMessage, since the lot is not ApplePay-ready. Stranded, I was, staring at my car in this lot. Then it dawned on me that on a whim, I previously downloaded this Dave app. I was very skeptical about providing my bank info, but since that is the only way to realistically obtain an advance, I submitted my banking info, verified my identity and email address, and miraculously Dave fronted me 20 bucks, on the spot. I was able to immediately withdraw it and pay for parking and drive off the lot. Without this service, instead of writing this review I would still be downtown, trying to figure out how to get my car off the lot!!
I don’t foresee using this app much, but I wanted to share with you all a real-world example of this app being s lifesaver. I never knew I’d need it - until I needed it!
Developer Response ,
We're so happy to hear that it helped you out of this parking jam! Thank you for taking the time to review, speedy recovery wishes from the team to you :)
WOW. Like I seriously thought this was a scam. I first kept seeing videos on Facebook, and I just figured it was some gimmicky app that was trying to take peoples money, or just be so convoluted it wouldn’t be worth the hassle. But, holy hell will I tell you.. I was WRONG. A little bit of backstory, I am a current college senior, and I am awful at managing my money. I constantly have to fight overdraft fees from my bank, and as a i result I figured this app would not be able to help me. So, when I went ahead and downloaded the app I was very surprised by the clean style and interface it was designed in. It was extremely straightforward, and to my surprise it connected with my bank account in just a few seconds. To my additional surprise I learned that Dave is not just a Loan app but a finance app! It actually helps you track transactions, and warns you when your account is getting low. Once I got everything verified, I was worried I wouldn’t be able to get an advance, my check is this coming Friday, Yet when I went to check, I was able to get a small amount of money advanced to my account In literally minuets! I was so impressed I immediately came to write this review.
Thanks Dave! I am excited to see what the future holds: now I don’t have to bug my parents! XD
Disclaimer: I am a real person, and I was just as skeptical as you were! But it really works!
Developer Response ,
Hey there! We're super happy to hear you had a great experience. Thanks for taking the time to leave a review - enjoy your senior year!
- Dave, Inc
- 81.8 MB
- Requires iOS 9.3 or later. Compatible with iPhone, iPad, and iPod touch.
- English, Arabic, Burmese, Cambodian, Chinese, Danish, Dutch, Estonian, Filipino, Finnish, French, German, Hebrew, Hindi, Indonesian, Italian, Japanese, Korean, Laotian, Malay, Norwegian Bokmål, Polish, Portuguese, Russian, Simplified Chinese, Spanish, Swedish, Thai, Traditional Chinese, Vietnamese
- Age Rating
- Rated 4+
- © 2017 Dave, Inc.
With Family Sharing set up, up to six family members can use this app.