Dave ExtraCash FAQ
Short answers to the questions people ask most about Dave. Each one links to a full guide with sources.
All answers reflect Dave's disclosures and earnings reports as of November 2026. For depth, see the full Dave breakdown, the glossary of terms, how settlement works, how to cancel and whether Dave offers loans.
Frequently asked questions
What is Dave ExtraCash?
ExtraCash is Dave's cash advance feature, structured as an overdraft of a dedicated deposit account at Dave's partner bank, from $25 to $500.
How much does Dave charge?
The greater of $5 or 5% per advance, a membership of up to $5 a month, and 1.5% if you send funds to an external debit card.
Does Dave have a fee cap?
Most members no longer do. Some long-time members have a $20 cap.
How much can I borrow from Dave?
$25 to $500, set daily. The average advance was $225 in September 2026, and Dave is testing limits up to $1,000 for some users.
Does Dave do a credit check?
No.
Does Dave affect my credit score?
According to LendEDU's review, ExtraCash isn't reported to credit bureaus.
How fast do I get the money?
Typically authorized within five minutes; transfers to Dave Checking are instant and free.
When do I pay Dave back?
On the settlement date you agree to, usually around your next payday.
Are there late fees?
No interest and no late fees, but an unpaid balance blocks new advances.
Why am I not eligible?
Dave needs at least three recurring deposits and other income and spending signals; you also need no outstanding balance.
Do I need a Dave Checking account?
Yes. ExtraCash requires both an ExtraCash account and Dave Checking.
Is Dave a bank?
No. Banking services are provided by partner banks; current disclosures name Coastal Community Bank, Member FDIC.
Does Dave still charge tips?
No. Tips were replaced by the 5% fee in early 2025.
Is Dave being sued?
Yes. The FTC/DOJ case filed in 2024 was pending as of September 2026, and Baltimore filed a separate suit in December 2025.
How do I cancel Dave?
Cancel the membership inside the app (Settings → Membership) at least 3 business days before the next charge. Deleting the app does not end the membership or close your account.
Can I extend my Dave settlement date?
Dave says it doesn't currently support payment plans, but late settlements don't add late fees, and Dave retries with partial transfers.
Can I stop Dave from taking money?
Not for an existing ExtraCash settlement, which Dave treats as a one-time authorization that can't be revoked.
Does Dave work with Cash App?
No. Dave doesn't support Cash App, PayPal, Credit Karma or most prepaid cards, according to SuperMoney's summary of Dave's policy.
Does Dave offer loans?
Not traditional personal loans. Dave's credit products are ExtraCash (an overdraft) and Dave Flex (a pay-in-4 card in testing).
What is Dave Flex?
A Dave Mastercard, in limited testing since April 2026, that splits each two-week purchase period into four payments every two weeks with no periodic interest.
How do I contact Dave?
Through in-app chat (Settings → Chat). Finder also lists phone 844-857-3283 and [email protected] as of April 2026.
Does Dave work with Chime?
We couldn't confirm it from a primary source. Try linking in the app; if you bank with Chime, Chime MyPay may be simpler.
Is Dave cheaper than EarnIn?
For instant money, it depends on the amount. For standard delivery, EarnIn is cheaper because it has no mandatory fee.
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 ExtraCash review (2026)
What it costs, who qualifies, and the catches, checked against Dave's own disclosures.
Dave ExtraCash fees in 2026
The 5% fee, the vanished $15 cap, membership and express fees explained.
Dave ExtraCash limits
Why most people get less than $500, and Dave's tests above $600.
Dave FTC/DOJ lawsuit status
What regulators allege, what Dave says, and what changed for users.
Sources
Checked November 12, 2026. Figures change; confirm in the provider's app.
- Dave: Credit, Cash & Money App — Google Play listing and disclosures
- Dave — ExtraCash product page
- Dave — How the ExtraCash account works
- Dave — Dave Checking account
- Dave Help Center — ExtraCash eligibility
- Dave Help Center — Settlement and partial settlement
- Dave Help Center — Can I revoke my ExtraCash payment authorization?
- Dave Q2 2026 earnings call transcript (Aug 5, 2026)
- Dave Q3 2026 earnings call transcript — TradingKey
- LendEDU — Dave ExtraCash review
- FTC — Case referred to Department of Justice (Dec 2024)
- Mondaq — Baltimore sues Dave over ExtraCash overdraft product
- Firstcard — Dave ExtraCash facts (verified Sept 11, 2026)