Apps Like Dave: 5 Best Dave Alternatives (2026)
The main Dave alternatives are EarnIn (no mandatory fee, up to $1,000 per pay period), Chime MyPay (instant fee capped at $5, Chime customers only), MoneyLion Instacash (no mandatory fee, up to $1,000 with RoarMoney), Brigit ($8.99–$15.99 subscription) and Klover (points-based limits). The cheapest depends on how much you need and how fast.
Need more than an app can advance? Compare short-term loan offers in one form. Free to check.
Check my loan offers →Cash advance apps like Dave: comparison table
| App | Advance amount | Mandatory per-advance fee | Monthly fee | Instant cost |
|---|---|---|---|---|
| Dave ExtraCash | $25–$500 (tests to $1,000) | Greater of $5 or 5% | Up to $5 | Free to Dave Checking |
| EarnIn | $150/day, $1,000/pay period | None (standard) | $0 | $3.99–$5.99 Lightning Speed |
| Chime MyPay | Most $40–$500 | None (24-hour) | $0 | 3%, $2–$5 |
| MoneyLion Instacash | $500 ($1,000 with RoarMoney) | None | $0 | Turbo $0.49–$8.99 |
| Brigit | $25–$500 | None | $8.99 or $15.99 | $0.99–$5.99 (free on Premium) |
| Klover | Up to $750 (points-based) | None mandatory | Varies | Express fee |
Best app like Dave for each situation
- Cheapest if you can wait: EarnIn or MoneyLion standard delivery, both free. Dave vs EarnIn · Dave vs MoneyLion
- Cheapest instant for larger amounts: Chime MyPay at a $5 maximum, if you bank with Chime in an eligible state. Dave vs Chime MyPay
- Highest limits: EarnIn and MoneyLion (with RoarMoney) both reach $1,000.
- Frequent borrowers: Brigit's flat subscription can beat per-advance fees. Dave vs Brigit
- No employer verification or Chime account: Dave's deposit-based model may still work. Dave ExtraCash breakdown
Cash advance apps like Dave with no subscription
EarnIn, Chime MyPay and MoneyLion Instacash charge no monthly fee for their advances. You pay only for instant delivery, and EarnIn and MoneyLion request optional tips you can set to zero. Dave charges up to $5 a month, and Brigit requires a paid plan unless you email them to opt out.
Eligibility compared
| App | Key requirements |
|---|---|
| Dave | At least 3 recurring deposits; ExtraCash + Dave Checking accounts |
| EarnIn | Employment with $320+ direct deposits per pay period; not in Connecticut |
| Chime MyPay | Chime Checking; 2 qualifying deposits of $200+ in 36 days; 12 states excluded |
| MoneyLion | Account 60+ days old; 3 recurring direct deposits from the same employer |
| Brigit | Account 60+ days old with positive balance; 3 recurring deposits from one source |
Dave not linking your bank? See which banks Dave works with. Dave says you're not eligible? See why.
How we compared
We used each provider's own pages where available and cross-checked them against NerdWallet's May 2026 reviews, Bankrate, Firstcard and MoneyLion's published reviews. Where sources disagree, such as EarnIn's maximum Lightning Speed fee or Chime's top limit, we show the range and say so. See our editorial policy.
When a cash advance app isn't enough
Advance apps top out around $500–$1,000 and expect repayment on your next payday. If you need more time or a larger amount, you can compare short-term loan offers. Loans can have much higher APRs than an advance fee, so read every offer carefully. Wondering whether Dave itself offers loans? See Dave loans explained.
Frequently asked questions
What app is most like Dave?
MoneyLion Instacash and Brigit are the closest in structure: interest-free advances up to $500 based on bank-account data, without a credit check.
Which cash advance app has no fees?
EarnIn, MoneyLion and Chime MyPay have no mandatory fee for standard delivery; you pay only for instant transfers.
Which app lends the most?
EarnIn allows up to $1,000 per pay period, and MoneyLion up to $1,000 with RoarMoney direct deposits. Dave is testing up to $1,000.
What are the best Dave alternatives with no subscription?
EarnIn, Chime MyPay and MoneyLion Instacash charge no monthly fee for advances.
Need more than a cash advance?
Compare short-term loan offers from lenders in our partner network. Checking offers is free; we are not a lender and Dave is not part of this network.
Keep reading
Dave vs EarnIn
Per-advance fee vs optional tips and Lightning Speed fees.
Dave vs Chime MyPay
Two $500-max products with very different fee math.
Dave vs MoneyLion
ExtraCash vs Instacash and Turbo fees.
Dave vs Brigit
Pay-per-advance vs a monthly subscription model.
Sources
Checked November 12, 2026. Figures change; confirm in the provider's app.
- Dave: Credit, Cash & Money App — Google Play listing and disclosures
- NerdWallet — EarnIn app cash advance review (updated May 1, 2026)
- Firstcard — EarnIn Cash Out facts (verified Sept 11, 2026)
- Chime — How does MyPay eligibility work? (July 2026)
- Chime — How do MyPay credit limits work? (July 2026)
- NerdWallet — MoneyLion app cash advance review (updated May 8, 2026)
- NerdWallet — Brigit app cash advance review (updated May 14, 2026)
- NerdWallet — Klover cash advance review
- Bankrate — Klover cash advance app review (Apr 2026)
- Dave Q3 2026 earnings call transcript — TradingKey