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.”
I’m already getting in the Halloween spirit. Check out my new costumes In this update.
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.
Would be 5 but..
But it took me legit a week to figure out how to work the system in order for them to actually send me some dough. I would've given up completely if it weren't for the annoying texts letting me know I have a low account balance (like I need anymore reminders of this). I have to say tho in my case the customer service was top notch A+ work to those running the Facebook page and the service / friends@dave email support people. The app initially would not get past the screen saying we need to hear back from ur bank before we loan u money which never happened. After contacting customer support just under 24 hours later they had 'heard back from my bank' and approved me for borrowing. I did the express for 8 hours. It said 1-8 hours but it literally transferred in 5 minutes into my account. Def will be using again but if u know ur gunna b in dire need of money and it's ur first time def give urself a few days so u can try it on ur own but regardless I def recommend reaching out to their customer service just to expedite things. It was the only way possible for mine to work at all. Great concept tho. They make money off of the $5 express charge cuz who in their right mind would trust this new app to handle a money transfer over three days if they can't even figure out ur transaction report even with ur mobile banking login info. Four stars
Dave is a lifesaver!
I often times live paycheck to paycheck and in need of borrowing a few bucks from friends or coworkers just to get by and have enough gas to get to/from work. After being bombarded with ads for this app while on other apps, I finally took it into consideration and did a little research to make sure I wasn’t getting myself into a big mess. After deciding to download it, I linked my bank account and asked to borrow $25 (you have the option of $25, 50 or 75). You can wait 1-2 business days or pay an extra $3.98 for it to be in your bank acct within 8 hrs. I chose to pay the few extra dollars to have it fast and once I opened up my banking app, it was already there. From the time I downloaded Dave, to the time I logged out, it was less than 10 mins and I had the $25 in my account. That fast!! I will definitely be keeping this app on hand so I can bypass the embarrassment of asking to borrow money again. And another awesome thing? No enormous interest rates like traditional loans, and can do it all from home...no need to speak to anyone and no need to physically go into a bank. I’m beyond satisfied and I hope that satisfaction continues. I highly recommend this to anyone who needs some additional help to get by until payday.
- Dave, Inc
- 77.4 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.