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Looking for Quick Cash Alternatives to Dave?
If you need an urgent cash advance but want alternatives to Dave, you’re in the right place. There are several financial services and lending platforms that can help you get the funds you need without the high interest rates or limitations of traditional lenders. Many options are available, each offering a unique set of benefits to suit your needs.
Top 12 Apps Similar to Dave for Quick Cash Advances – 2025 Guide
This guide highlights the 12 best apps like Dave that provide cash advances, banking services, and budgeting tools. Before turning to payday loans or credit card advances, consider these more affordable options to help you avoid overdraft fees and manage your finances effectively.
1.Earnin
- Maximum advance: Up to $500 per pay period
- Fees: Optional tips
- Time to receive funds: Same day with Lightning Speed, 1-2 business days standard
Earnin is one of the most well-known alternatives to Dave, offering cash advances based on the hours worked. You can access your earned wages before payday without any mandatory fees. To qualify, you’ll need to provide your employment information and banking details.
2. Brigit: Instant Overdraft Protection
- Maximum advance: Up to $250
- Fees: $9.99 monthly membership
- Time to receive funds: Same day
Brigit provides automatic overdraft protection and financial monitoring tools. The app tracks your spending patterns and sends cash advances when your balance is at risk of going negative. Although there is a monthly fee, the predictive technology and automatic deposits make it a useful option.
3. Albert: Personalized Financial Assistance
- Maximum advance: Up to $250
- Fees: Optional tips, $4.99/month for Albert Genius
- Time to receive funds: 2-3 business days, instant with Albert Genius
Albert combines cash advances with features for automated savings and investments. The app offers personalized financial advice to help build better money habits while providing a safety net when needed.
4. MoneyLion: Comprehensive Financial Tools
- Maximum advance: Up to $250
- Fees: $7.99/month for Instacash
- Time to receive funds: Same day with turbo delivery ($3.99 fee), 12-48 hours standard
MoneyLion offers a full suite of financial tools, including banking, investing, credit building, and cash advances. Their Credit Builder Plus membership also grants access to credit-builder loans along with cash advances.
5. Chime SpotMe
- Maximum Advance: Up to $200
- Fees: None
- Funds Availability: Instant
Chime’s SpotMe service allows eligible members to overdraw their accounts by up to $200 without any fees, functioning as an overdraft protection service. To qualify, you need to have direct deposits of $500+ monthly.
6. GO2bank
- Maximum Advance: Up to $200
- Fees: $5 monthly (waived with eligible direct deposit)
- Funds Availability: Instant
GO2bank provides an overdraft protection feature, allowing access to $200 without fees when you set up direct deposits. The app also offers features like early paycheck access and a high-yield savings account.
7. Cleo
- Maximum Advance: Up to $100
- Fees: $5.99/month for Cleo Plus
- Funds Availability: Same day
Cleo is an app that combines AI-powered budgeting with small cash advances. It uses a conversational interface to track your spending, offer financial insights, and provide quick advances when necessary.
8. Empower
- Maximum Advance: Up to $250
- Fees: $8/month after 14-day free trial
- Funds Availability: Same day
Empower is an app that offers cash advances while helping with automated savings and personalized financial advice. It also rewards you with cashback and helps manage bill tracking.
9. Current
- Maximum Advance: Up to $200
- Fees: Optional premium membership at $4.99/month
- Funds Availability: Instant with premium
Current offers overdraft protection up to $200 with their premium membership, along with benefits such as early direct deposit and cashback rewards. The app also provides powerful budgeting tools and teen banking options.
10. FloatMe
- Maximum Advance: Up to $50
- Fees: $1.99/month membership
- Funds Availability: Same day
FloatMe is designed to provide smaller advances to help avoid overdraft fees. While the available amount is less than competitors, the monthly fee is also more affordable.
Read Also: 12 Best Cash Advance Apps [No Direct Deposit Required] in 202511. Possible Finance
- Maximum Advance: Up to $500
- Fees: Varies by state
- Funds Availability: Same day
Possible Finance stands out by reporting payments to credit bureaus, helping users build credit while accessing fast cash. Instead of traditional advances, they offer installment loans.
12. Klover
- Maximum Advance: Up to $100
- Fees: Optional expedited funding fees
- Funds Availability: 1-3 business days (standard), same day with expedited option
Klover operates on a points-based system where users can earn higher advance limits by engaging with the app and shopping at partner retailers. The basic service is free, with optional premium features.
Comparing Apps to Traditional Financial Options
Before considering payday loans or credit card cash advances, it’s important to know the advantages of using these apps:
- Lower fees: Typically $5-10 or optional tips, compared to payday loans’ 400% APR.
- No credit checks: These apps don’t require credit checks, unlike payday loans.
- Fast access to funds: You can often get the money the same day.
- Extra financial tools and resources: These apps often provide additional support for managing your finances.
For more ways to quickly access cash, check out our guide on how to make $100 a day. If you’re looking for longer-term solutions, take a look at our article on the best financial options.
FAQ’s: 12 Apps Like Dave for Fast Cash Advances [2025 Ultimate Guide]
Which app gives the most cash advance?
The highest cash advance offered by apps varies, but Payactiv and MoneyLion both offer up to $1,000. To qualify for the $1,000 advance on Payactiv, you must set up a direct deposit with the app.
What apps can I use to get money immediately?
Apps like EarnIn, Dave, and Brigit allow you to borrow a small amount from your next paycheck before it’s due. These apps offer a quick solution in emergencies, but it’s important to explore more affordable alternatives before using them.
What is better than Dave?
If you’re looking for a better option than Dave, consider Varo. It offers full banking services and the ability to apply for small cash advances. Varo also has no monthly fees and provides access to over 40,000 fee-free ATMs.
Which is better, Dave or Empower?
When comparing Dave and Empower, both charge a monthly subscription fee for cash advance services. However, Empower has a higher monthly fee of $8 and caps advances at $250. On the other hand, Empower’s express funding fees are lower, ranging from $1 to $8, depending on the requested amount.
What is the max Dave loan?
The maximum loan you can receive from Dave is $500, and it can be available in as little as 5 minutes.