How It Works

Daves helps you budget for upcoming expenses and texts you if you’re in danger of overdraft. And if you need cash fast, we’ll advance you up to $75 at 0% interest! No credit check required. 

Tips are optional but they do help us provide services to millions of other Dave members. So, if Dave helped you out with an advance, show him some love!

Plus, with every % you tip, we plant a tree or provide a meal to a child through our partnerships with Trees For The Future and Feeding America.

What’s the catch? There isn’t one! A $1 per month membership fee provides you with potential overdraft protection through cash advances, automatic budgeting tools, and access to jobs.

Membership fees are just $1/ month. This helps us offset the costs of offering predictive texts and connecting to your bank (we get charged every time we connect).

Predictive Texts

Dave securely connects to your checking account to help you track your expenses. Then, we’ll send text alerts if your account looks low or if an upcoming bill (like Netflix) puts you in danger of overdraft.

Advances

Need cash fast? Dave can spot you one advance at a time. 

Qualified users can get up to $75 delivered into their checking account in just a couple of days or even hours (for a small fee if you choose our express option).

Getting an advance doesn’t impact your credit and there are no late fees or penalties (we’re friends, remember!).

However, it’s your responsibility to pay Dave back by your due date, which will be confirmed in the app. Otherwise, you’ll risk being banned from the app. And no one wants that! 

Heads up! The $1 monthly membership fee is strictly to connect your bank account to the prediction tool and does not have an association with qualifying for an advance.

Here are some helpful links to help you get started: