Top 10 Free Money Apps Like Dave For Small Cash Advances [2023]

Today I will be reviewing the top 10 best money apps like Dave, a popular cash advance platform which has gained widespread recognition for its overdraft protection and helping to provide quick and urgent loan with little or no charges.

Dave is one of the most popular advance apps currently in the market for small cash advances and to protect customers from on top the roof overdraft charges. It offers cash advances up to $50 to $100 for people to help them prevent their bank accounts from over-drafting while they are waiting for their next paycheck. The company also offers a checking account to people who might have trouble getting (or do not want to use) traditional bank accounts. Apps like Dave have similar functionalities and are getting more and more popular in helping millions of Americans provide a lifeline in times of cash emergencies.

Just imagine waking up thinking it’s going to be just another day, but then your car breaks down. Your electricity bill arrives and it’s much higher than it usually is. You fall ill unexpectedly. An old friend comes into town and you have to go have a fun night out with them. You don’t have enough money to cover what you need and payday is still far away. This is where Dave comes in. Dave helps you get through financial emergencies without throwing you under a pile of debt by providing interest-free cash advances.

Here is The Top 10 Loan Apps Like Dave For Small Cash Advances in 2023

Dave’s biggest pro is that it learns your spending habits. That sounds a bit invasive, but the information it learns is used to help you keep better track of your money. It does this by letting you know if your account gets below a certain amount and if you have an automatic payment coming up but don’t currently have enough in your account to cover it.

The following are the highly rated cash advance and money apps like Dave that will protect you against overdraft charges common with traditional banks and other loan apps in the market.: Chime, Earnin, Brigit app, Empower loan app, MoneyLion, Even app, PayActiv app, DailyPay app among other reputable loan apps for small advances. You can simply choose the best option that appeal to you and meet your needs.

1. Chime App

Chime is our 1st pick on the list of top 10 best instant cash advance apps like Dave in 2023. The lending app works exactly like Dave. The maximum amount you can request is $200 but you have to start building your account to qualify. However if you’re in urgent need of a little cash, Chime can lend you up to $100 before your paycheck arrives. With Chime’s Spot Me feature, you can overdraw up to $200 on your account depending on your repayment history.

While Dave charges you a monthly subscription fee of $1 to maintain your account and Express fees between $1.99 and $5.99 for quick processing of your cash advance, Chime is completely free to use. It charges zero maintenance fees, transaction fees, minimum balance fees, or hidden fees.

Chime has been in the fintech business for almost a decade now serving as an online bank account where you can make direct deposits, transfer money, send checks, pay bills online and get a cash advance on your salary when you’re low on funds.

To Apply for Chime loan, click here.

2. Earnin App

Within 1-2 business days or even less depending on which option you opt for, you can get a cash advance with Earnin which is one of the most popular instant cash advance apps like Dave in 2023.

With Earnin, you can make any day payday by taking an advance on your pending earnings. The platform lets you borrow between $100 to $500 a day from your outstanding paycheck without having to deal with the excessive fees and interests of the usual payday loans.

All you have to do is log into the app, tell the company where you work and bank, and it’ll use location services or timesheets to calculate how much time you spent on the job that day. Next, you’ll need to multiply the hours you worked by your hourly rate, and Earnin will advance the money you earned that day within one to two business days or instantly if you opt for the Lightning Speed feature.

3. Brigit App

Brigit is one of the best instant cash advance apps like Dave that you can use. It works by letting you borrow money and pay it back when your next paycheck is deposited.

With Brigit Plus, you get a cash advance within 20 minutes whilst the standard accounts get it within 1 to 2 business days. To be able to request up to $250, you need to uograde to the $9.99 per month plus plan. It’s definitely one of the top instant cash advance apps like Dave you can get.

While Dave only gives you a maximum cash advance of $200 if you have a Dave spending account and $100 without one, Brigit offers up to $250. On top of that, Brigit allows you to extend the due date on your first loan once without incurring a penalty or late fee.

To Apply for Brigit loan, click here.

4. Empower App

The process with Empower is simple. You can withdraw from $25 to $250 and you pay automatically when you receive your next paycheck. This is why it is tagged the 4th best instant cash advance app like Dave.

Want a quick cash advance but don’t want to deal with interest rates or late fees? Consider using Empower to receive up to $250 whenever you need a cash injection to take care of your bills and expenses.

When you apply for a loan on the platform the money will be disbursed to your Empower checking account free of charge or to an external bank account for a flat fee of $3. You can even get access to your paycheck two days earlier thanks to Empower’s Early Paycheck Deposit feature. Empower is definitely one of the top apps like Dave. you can choose.

5. MoneyLion App

This is another top pick on our list of instant cash advance app like Dave. With it you can receive up to $250 and get started after you create a MoneyLion account. It’s highly recommended payday loan for credit access.

You can use MoneyLion to get cash advances whenever you have unplanned expenses that need sorting out. The service grants you instant loans of up to $250 per pay cycle depending on how much income you regularly earn and deposit into your checking account. The process for getting a cash advance on MoneyLion is much faster than Dave by a few days. You can even receive the disbursement instantly or within a few hours if you have a RoarMoney account.

Compared to Dave which charges a $1 monthly fee to enable it to furnish you with loans, MoneyLion doesn’t require any fees or interest on cash advances. Instead, the company asks that you leave an optional tip whenever you get a cash advance so that MoneyLion can remain interest-free and available to as many users as possible.

6. Even Loan App

Even is the 6th pick on the list of cash advance apps like Dave for emergency payday loans. Whether you need to fill your gas tank, pay a bill, treat yourself to a good time, or buy groceries, Even is there to help you deal with life’s surprises by giving you access to cash within minutes. The service puts its own unique spin on cash loans by advancing money from your unpaid wages.

To be eligible to borrow money from Even, you need to work for a qualifying employer. Even will then furnish you with an advance of up to 50% from your paycheck depending on your salary history.

Just like Dave, Even does not collect interest rates or taxes when you take a cash advance from the service. However, like its counterpart, Even requires a monthly subscription fee to enable you to cash out from the platform.

7. PayActiv Finance App

One of the most attractive features of PayActiv is the fact that you can use the cash advance service during federal holidays and weekends in the US. It is our number 7 on our list of 10 top cash advance apps like Dave.

PayActiv is designed to help employers provide their employees with early access to their paychecks. However, you are still eligible to use the service even though your employers don’t have an account with PayActiv. In this instance, you’ll have to apply for a PayActiv card to be able to receive a pay advance from your wages up to two days ahead of the due date.

Once you register on PayActiv, you’ll be able to view the number of hours you’ve worked and your current earnings from the app. Like Dave, PayActive doesn’t charge interests on cash advances, the amount withdrawn is simply deducted from your next paycheck.

8. Branch Cash Advance App

Branch helps businesses accelerate payments and empower working Americans. It also allows employees of participating companies to access part of their wages. This is deducted from their earned wages. 

The platform is one of the best cash advance apps like Dave available in the market today and designed to help employees get faster access to their wages, keep track of payments and balances, get spending reports regularly, and receive alerts about upcoming bills.

This fintech platform is particularly useful for employers who have lots of underbanked or unbanked employees. It provides them with a free digital account and debit card for transactions.

Branch lets you withdraw up to $500 in advance per pay cycle of $150 per day based on how many hours of work you do and wages you earn. However, the catch is that your employer also has to set up an account on Branch.

To Apply for Branch Loan, click here.

9. DailyPay App

If you’re looking for cash advance apps like Dave to help you solve urgent financial needs when you’re low on cash without attracting hefty overdraft fees on your account, DailyPay is one of the best options to consider and our 9th pick.

With DailyPay, you can get an advance on your earnings before your next payday and save over $1,205 in overdraft fees, loan interest, and late fees.

Whenever you clock in for a shift, your earnings for the day will be added to your DailyPay account. You can transfer the earned amount to your bank account any time you want and DailyPay will deduct the advances from your salary when payday comes around.

The app charges a modest transfer fee of $1.99—which is on par with what Dave charges—on each withdrawal to deposit your cash advance by the next business day. Alternatively, you can pay $2.99 for an instant transfer.

To Apply for DailyPay Loan, click here.

10. Varo Loan App

Varo gets the 10th position in our list of top 10 best instant cash advance apps like Dave. With Varo, you can access up to $100 and you pay a fee depending on your advance. All of the advances must be paid within 30 days.

Once you set up a direct deposit on your Varo account, you’ll be entitled to withdraw any amount you want from your earned wages ahead of time. The pay advances you receive from Varo are interest-free, just like the advances that Dave offers. You won’t even have to pay transfer fees, foreign transaction fees, or keep a minimum balance.

What Apps let you borrow money like Dave? Are There Any Other Apps Like Dave?

If you’re interested in finding apps that let you borrow money like Dave, giving access to flexible cash advances with flexible terms to match, and no overdraft charges, apps like Chime, Earnin, Brigit, Empower, MoneyLion, Even app, DailyPay, and other reputable money apps are available to help you and to sail you through cash emergencies until your next paycheck.

Conclusion

Dave’s biggest pro is that it learns your spending habits. That sounds a bit invasive, but the information it learns is used to help you keep better track of your money. It does this by letting you know if your account gets below a certain amount and if you have an automatic payment coming up but don’t currently have enough in your account to cover it.

Dave helps customers get access to a small cash advances before arrival of payday. Apps like Dave work similarly, except many may provide access to larger cash advance amounts, as Dave only allows a $500 cash advance.