Dave - Banking & Cash Advance App Reviews

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BE CAREFUL & customer service is HORRIBLE. DO NOT depend on Dave. They will change up the amount they are willing to lend very last second and they will change up your settlement date, too. I happened to get reimbursed for travel expense by my employer in an off cycle direct deposit (not payroll direct deposit). As a result, or so the guy said, they changed my settlement date and I missed it - I had used them for so long, I missed it (apparently) when I finalized my request. They also don’t email about the settlement until the night before, when it’s too late to change/cancel. The chat is not helpful at all; you just go round and round while it gives the same message (FAQ links). The customer service #, which took too long to find, puts you on hold and the person who answers obviously doesn’t know what they’re talking about, or is looking at something way different then what is actually in the app. He told me I had to go into the account settings and adjust my pay period myself because it shows weekly (all of a sudden). I looked and it clearly says bi-weekly with a payday a week later than what they are now suggesting. They recite the same 4 lines even if you are currently speaking. “It’s too late…48 hours…BLAH. BLAH. BLAH.” It’s quite the joke. If you can avoid it…DO. I will not recommend anyone to this app. Unreliable in a time where we can all use some HONEST help. Not another place to take advantage of us.

Review. I very much appreciate your help, the only thing I have a problem with is that you ask when do I get paid and I put monthly. I guess Social Security, disability on the first, SS on the third. But yet what I do asked for a loan you do two weeks, which puts me sometimes overdraft. But, this time I had two different things to come on my account that shouldn’t have I wasn’t expecting. I have a 92-year-old art who wanted me to visit, and her daughter that has cancer and there’s no hope for recovery. I think God for allowing me to come. I flew I didn’t know now you have to pay two chicken suitcases. So $60 I had not planned to spend. I knew I was on a tight budget, I make sure my phone went and met another bill paid, but I order something and it was supposed to be in free charge me $50. So I’m trying to get home and I need at least $100. I think you for 25 dollars. It’s not enough but it helps so you see you is no he did not help me much. And the fact that in the past because you did two weeks and I was desperate for that long it cost $72 to be taken out of my account overdrafted so have you help me no and that is happened more than once. You say one thing and do something else when I first started I said but after that 2X bar I have to find other ways to try to make up when I can’t get it from you I would doubt but thank you anyway for what you’ve done I know you don’t have to.

PHENOMENAL APP 💫. I started with DAVE during the pandemic in 2020. I cannot express how much this app was and still is a God send !! I was in transition at the time with my children, we moved from our apt into my office space for about 30 days until I could find a new place to stay. This was very painful however I just found the Dave app and I was about $100 short of what I needed to make it through the week and as I filled out the app being a new customer I was praying for something, even $50 and I was approved for $100 !! My family and I have used this app for ever since. This is an amazing app and I recommend this app to anyone who might be in need of financial help. I know a lot of apps are unreliable however I can truly vouch for DAVE. I also use their direct deposit which my account with DAVE account has an APY of 4% monthly. Not only can you get loans you can make interest on your money with DAVE !! They offer direct deposit and their fee is only $1 a month. Enjoy savings , lending , growing your money through interest, all with DAVE !! Enjoy !! (The only downside to this app is , there were times when I borrowed money and when I repaid it , I was approved for less. However the app ALWAYS approved me.)

Life saver. Iv been going through a lot but a lot of people go through a lot so I can’t complain at where I am at in life and I know how to get where I’m needed. I haven’t grown up in an easy life and I wouldn’t change a thing about my life. Iv had 3 women who tried to be a mother. One passed away, one sent us across the street and took everything and the mother that has always been there is still with me. Iv had cancer 2 and been run over by my own car after a driver hit my truck going 90 and I was in front of it. I have both hips replace and a knee replacement and getting the other knee done (from being a cancer survivor). I wouldn’t change a moment because it made who I am. Sometimes we struggle and I was and still am there but this app has provided me with knowing I can get to work and make the money needed (Have no car have to lyft or Uber). Sometime it’s a struggle and makes you worry that you don’t have enough to make it to the next paycheck. No work no money even if I can’t get there. This app have been a comfort for me knowing I have someone to go to when I need the help. Thank you to those that created this app and I always recommended even if your not struggling use the app. You never know when something can come up.

So upset. I’ve had Dave for a long time and every time I’ve borrowed money I’ve always been perfect about paying it back. Even left them MULTIPLE good reviews! Due to my job now my paychecks are every other week. I changed it on the app, borrowed $75, mustve not paid attention to the payback day, and then the next day realized I messed it up and emailed the customer support team and told them I would not have money on Friday and that my paycheck would be the following Friday, they responded and said it can’t be extended but not to stress, Dave wouldn’t charge me late fees or anything, they would just take a partial pay or wait until the funds are available. I emailed again. Told them that a partial pay or anything is going to put me in negative because I do have money in my account but that it was just the money I was given for rent by my roomates, and that if it was taking out Friday I would not be able to pay rent because I haven’t gotten a paycheck yet. Again, they email me back and tell me not to stress about it. Dave won’t take the money if you can’t afford it. FRIDAY HITS AND IM NEGATIVE SIX DOLLARS IN MY BANK ACCOUNT. CANT GET IT BACK. CANT PAY RENT. DEFINITELY CANT AFFORD THE OVER DRAFT FEE. So happy I was told “don’t stress about it” just to be completely blind sided when my rent payment is declined!!! Crying because of Dave. 👌🏻😭😡🤬

Helps in those in-between times!!. Always overlooked Dave and totally let it go out of mind until I seen it pop across Facebook and said I’ll just try it just to be doing something… man this app is the truth… know how many times I needed gas , a small meal, or just random miscellaneous items?!! How many years I’ve missed out on being helped when I seen my money getting down to $10??! But better now to learn than never!! Some people get verified instant/some up to 3 days depending on your bank of course. Mine too 1 day and I had my money in under an hour.. now I’ll have gas to carry me through the week, now I can go get a pack of meat or two from the store!!! I am very thankful and hope this app keeps helping me!! Sooo many more people need to know about this!! Do you know how many people need to hold something small until payday?!! Mistakes, impulsive buys, and inconveniences do happen but Dave is always there… and be in reminder that when you pay Dave back, he gives you a cool off period to wait a few days before you borrow again. Don’t take the app for granted!!! ALWAYS PAY HIM BACK!!! The app is easy and common sense. I’m sure a few bugs happen but yes you get the money honey !!! Hope this app continues to save and changes lives in the smallest way !!! One day I won’t need Dave anymore but I’ll always keep him close because you just never know!

the only app thats legit & truthful & helps ur credit!. ***during the past few months dave has helped me more than i initially thot. my credit has gone up since i pay dave back every week. so not because i really need it, i borrow from dave every week, since he's already helped my credit score increase about 30 points in the few months i've used him recently. at first i was able to borrow 150 now i can borrow up to 400 a week!***thanks dave! & thanks to the developers for actually making this app helpful in more ways than just getting extra cash. i want a new car next year. started at a 579 score & after using dave a few months im at 613 now! Anyone with a job & bank account can get $ from Dave. I used Dave many times a few years ago, when i got paid every two weeks. Always useful, simple & no hassle. Now Im back since I got no overtime the last 2 weeks & after paying the rent, id have $40 left to survive on for a week, even tho I make $1000 a week. Now i got like $150 to get me thru this week, thanks to Dave. This will now help me budget & allow me to pay bills throughout the month instead of all at once, and being broke for a week every month. Tried a few other apps, but they didnt offer as much as Dave, they only worked thru certain employers, and they did not detect my paper pay checks deposited into my account. All the other apps only support direct deposit. I only get paper checks every week. So if you dont have direct deposit, Dave is the way to go. THANKS DAVE!

Truly Awesome. I found Dave via Facebook and read a lot of comments from people making fun of the service, making it sound like people who need it don’t manage their money very well. I was curious to see what it was about and why others feel the need to make fun of people who use it, so I downloaded the app (not expecting to use it, but to just see what it was). As circumstances presented themselves, being a single mom with zero help from the other parent, and trying to provide for my kids (I work full time and go to school full time so I can put myself in a better place, but until then things are pretty tight) - I found myself facing an overdrawn check fee (I wrote a check to register my daughter for school and had something else clear my checking account that wasn’t supposed to go through, which means I didn’t have enough funds for the check I wrote). I remembered I’d installed the Dave app a couple of weeks ago and within a few minutes, I was approved for a small loan and because I paid the extra $4.99 expedite fee, the money was deposited into my bank account within the hour. Dave only charges a $1.00 fee to loan you the money plus any tip you’re willing to donate, but is not required. When your paycheck is due to deposit, Dave takes the loan and fee back out of your bank account and that’s all there is to it! It’s very easy and painless and definitely worth the $1.00 fee to not have to pay an overdraft/insufficient funds fee to your bank.

Can’t complain. I use Dave quite often. Honestly have nothing bad to say about it when you’re tight with money and can’t get through the week without gas money or even just to eat Dave was always there to help. If you’re job offers direct deposit then it’s easy to set up. Based on what you’re income is they will let you take out $100 or $75. When you get an advancement it usually takes 3 days but if you need it ASAP they will charge you $5 on top of what you’re taking out for the advancement. You can set up the day you can pay the advancement back the best thing is when they are ready to get paid back they automatically do it for you. If the money doesn’t hit yet they take a little bit out of you’re account so your bank balance doesn’t go to a negative that right there is really awesome. They care about making sure your account doesn’t go negative even though you owe them money they will wait until you have money in your account before they take it out. Other than that it’s really convenient to have. I personally haven’t had any issues other than waiting for payments to process or loans to come through that’s the only thing that takes a while. I honestly recommend it if you just need extra cash to get by

Stay Far away. FRAUD ALERT: Do not use this service. I set up the account got approved for about 200 on cash advance. Selected a $100 advance and selected an hour delivery to my personal card. I then tipped the company as well. That was done around 11:30. By 1, I hadn’t received anything so I contacted them through chat because I could see I had a $-110 balance and my disbursement was still pending. After not hearing back around 4 I contacted the live chat agent who gave me several different excuses before he said my request was unsuccessful. I didn’t get an email, notification, bird mail or anything to let me know this. They gave me a phone number to contact. When I contacted the number it stated my Dave spending account was closed. The live chat rep tried to argue me down that my account wasn’t closed even though the automatic voice said it was. This app is more trouble than it is worth. Pick something else. Now I can’t even cancel anything until the payment is updated because the rep said since it didn’t go through that it would take 2 days to clear it. Now they can be all in my bank account for two days smh. Please star far away. Update: I have closed my account because after opening an account with Dave someone stole my information and used it at a gas station and tried to use it at a baby store in areas I’m half way across the country from. Despicable. I’ve already contacted the bbb. Run don’t want away from this app. !!!!!!! Worst app ever !!!

Dave is usually great.. but right now I need the help the most and it’s not available to me.. Dave is usually great, I’ve been using this app for a long time now. And whenever I’m in a bind I can count on Dave to lend me up to $75 until my next paycheck. Well due to the recent changes with the virus spreading, I’ve been working remotely which is still providing a paycheck, though it is for much less hours. My usual main source of income is nonexistent right now, as I’m an artist and vendor who makes money at events. This month, money was tight. It is tight. I thought I could count on Dave to get my $75 advance, but I ended up overdrafting three dollars. So I was -3 dollars. Usually that’s not an issue when requesting an advance from Dave, but this time, it was. I was told the highest amount I was eligible for because my account was negative, due to coronavirus circumstances, was $20. So that’s where I’m at. I don’t have enough money to make it until next Thursday when I get my steady paycheck, and I’m struggling. If I had known that I wouldn’t be able to get an event at the moment I went negative on my account, I would’ve set an alert so that I couldn’t go negative and I would’ve requested the money sooner. I’m super grateful Dave exists, but I had come to rely on it, and now I’m seeing that I can’t even rely on Dave.

Real-world, real-time lifesaver!. I am a natural skeptic when it comes to apps such as these, but just today I had a real-world experience that Dave helped me out with. The deets: This morning, I had an out-patient procedure at a hospital in downtown Philly. I was supposed to take my wife’s ATM card and use that for parking. I’m my haste, not only do I forget her card, but I also left my main ATM card at home, leaving me only with my phone, Apple Watch, backup ATM card and 20 bucks. After my procedure I return to the lot to discover that parking was $26 - $6 more than I had on me. Wife works 40 minutes away and no way she could text me the money through iMessage, since the lot is not ApplePay-ready. Stranded, I was, staring at my car in this lot. Then it dawned on me that on a whim, I previously downloaded this Dave app. I was very skeptical about providing my bank info, but since that is the only way to realistically obtain an advance, I submitted my banking info, verified my identity and email address, and miraculously Dave fronted me 20 bucks, on the spot. I was able to immediately withdraw it and pay for parking and drive off the lot. Without this service, instead of writing this review I would still be downtown, trying to figure out how to get my car off the lot!! I don’t foresee using this app much, but I wanted to share with you all a real-world example of this app being s lifesaver. I never knew I’d need it - until I needed it!

Missing funds. Probably the worst mistake I’ve made ever going with Dave Banking. The customer service is no different than a robot, they have lines and a script they go by. They do not help resolve any banking issues whatsoever. I use cash app to transfer funds between myself and fiancé. I’ve always used them no problem. My fiancé sent me a large sum of funds through cash app. I transferred those funds to my Dave banking account. They haven’t been deposited to my account because Dave claims they don’t support the cash out option. That’s a complete lie because I’ve used cash app with my Dave no problem. They told me the funds will be deposited to my account within 3-5 days because they never showed in my account. After the fifth day a woman told me she sees the funds and they will be deposited that day. I waited till the next morning. Still no funds. I called again. They claim it couldn’t be deposited cause the source couldn’t be determined and they say they sent it back to the creditor. Cash app has done great helping me track my funds and told me Dave never sent anything back. I called Dave and told them that but still tell me they sent it back. I asked for proof of that, and they could not provide anything to set my mind at ease. DAVE BANKING HAS STOLEN MY FUNDS AND WILL NOT RETURN THEM OR GIVE ANY HELPFUL ANSWERS. If it can’t be resolved I plan on contacting BBB and also my attorney to proceed with an investigation.

Extremely Difficult to Cancel Membership. This company is a joke! I downloaded this app after seeing a few ads and signed up for the $1 monthly subscription to pull my personal checking account info and balance into the Dave app. This was the first mistake. I decided about 1.5 months later that I would probably never use the advance payment service so decided to just cancel the subscription and discontinue their access to pull my banking I go through the app. This is when this app becomes a nightmare!!! I went to the account management option in the menu and it shows you have to send their account services team a message to cancel. I sent the message to cancel the subscription and was told by their team that I had to verify my physical address, last 4 of my SSN, and date of birth to close my account. I complied with their request and sent the info Dave's Account Management team requested. Days later, I get an email from them stating that I would now have to send them a copy of my drivers license, along with a selfie photo to verify that it's me prior to them canceling my subscription. Mind you, this type of verification was not requested to open an account with Dave. I did not comply with their request and found a way to beat them at their game. Let's just say that I play chess and not checkers. There's a way to go around this. AVOID THIS APP AT ALL COSTS!!! RUN!!!! I have no doubt in my mind that this is some type of identity stealing scam.

Great banking app. Get pay day advances instantly for only $5! No hassle, no joke or gimmick. Immediate online approval process and same day advances in most cases. Cash is electronically deposited to your account in just minutes. All you need is a current steady income. It’s so unbelievably quick and easy! Just download the app and follow the prompts to connect to your bank. If you have regular, recurring direct deposits from a viable source of income your bank and income are verified immediately. Only thing is you can’t get more than $75 each advance initially and the loan repayment is electronically debited on your next pay day no matter how soon that may be. The app also has a few bugs to work out. You may get error messages and have to repeat steps or start over a few times during the process of connecting to your bank and/or verifying your income. Depending on your financial institution and source of income, verification may not be immediate. It seems to take longer or be somewhat trickier to verify some banks and direct deposit pay. And it can take up to 8 hours for your advance to be deposited once it’s approved but all in all it’s still THE BEST EXPERIENCE I’ve ever had getting a pay day or online loan. It’s generally guaranteed... in no longer than a few hours if not instantly. I would give it 5 stars if not for the bugs

Very happy. I’m a new client here on the Dave app. I was a bit short for a bill I applied for an advance and I was approved in a couple minutes. I’m waiting for the money to be deposited today. I highly recommend this app. UPDATE: I wish I could give more stars. I started with adding my external bank account that I already had direct deposit with. (I added myself to the waiting list for a Dave bank account and within a few months I was given the account) Over the first several months I used the advance option and it is extremely helpful and the cost is cheap (also you decide how much of a tip to give)not like payday loans that cost mass amounts of money with very high interest rates. Keep in mind while you’re waiting on the Dave account list it is worth it. Once the Dave account is opened just set your direct deposit into this account and you will have access to higher advance options and a lot more like credit building, side hustles to make more money. This account is the best bank account I’ve ever had I love the bank card. Just be patient because it’s definitely worth the wait. If anything do some research on it so that you can understand better yourself how wonderful Daves is.

Quick & User Friendly. To be honest, I heard of them through Facebook and I always skipped the video ad. One day, I needed money for transit and I didn’t have enough in my account. I called a couple friends and no one had it so I was stuck at the airport trying to figure out a way home. My friend told me to download this app. I didn’t think much about it before because I use Earnin App. But I had just gotten off 2 weeks vacation so Earnin wouldn’t let me borrow until my next paycheck. With no other options, I download this app. It was very user friendly and didn’t take up too much time to set up. I didn’t have to wait 1-3 business days or anything. I literally signed up put my information in, told them when I’d pay it back, and within a few minutes (depending on ur bank it takes longer, but USAA Bank is instant) the money transferred and I got home safely. The tips you leave give a percentage to charity which is really great. Also Earnin app only lets u use true bank u get paid from and has a whole verification process which is annoying but understandable I guess. But this app lets u pick which bank u need the money to transfer to and I like this option much better. I don’t normally leave reviews but this deserved one for sure.

Review?. So I really do enjoy this “app,” if that’s what it should be called, but I have a few opinions about it. Dave definitely helps organize finances by giving advances when needed. However, the terms of when you can take an advance, and how much you can ask for, are very unorganized. I have taken out advanced, and I have paid them all back, in full and on time, but there are stipulations that users aren’t made privy to until the “app” drops that bomb on them. For someone who is not over drafted in their own bank account, OR in the Dave app, and someone who makes their payments in full and on time, there shouldn’t be a limit on how much they can ask for, or when they can ask for it. If these limitations are there to make it easier for the user to handle their finances responsibly, there should be more leniency towards those that are in good financial standing with Dave. If I have “borrowed” money, multiple times, and paid it back in FULL, MULTIPLE times, EVERY time, the limitations should not occur. I understand the app is new, and the kinks are still being worked out, so me being as detailed as possible should benefit those working on making Dave the best it can be. Thank you for your time, and as I will continue to use Dave, I hope to see improvements that cater to users that are responsible with their usage. Place limits where they are needed, but offer opportunities to those who meet or exceed expectations.

Redemption Ark. If I had written a review last year, it would have been in a completely different light and attitude. I was a fairly avid extra cash advance user end of 2022 - beginning of 2023. In Feb 2023 I made an advance request and for the first time since I started using the program, decided to manually pay it back earlier than it’s due date. Weeks went by and the payment came out of my account but somehow never made it to reflect on my Dave account. I emailed back and forth every few weeks trying to get this resolved but was met with “we are escalating the issue” type messages. Eventually I gave up knowing that they saw I paid it and things just weren’t aligning within the app. Today, Feb 2024 I received an email letting me know they finally fixed the issue and all was cleared in my account. They offered to fully waive my next extra cash advance for the excessive delay and for the inconvenience. They didn’t have to do this - they simply could have said we fixed it have a good day. I greatly appreciate that they never forgot about my issue and that they did all the internal work to get things turned around. I will continue using Dave because I now know that even if it isn’t the speediest turn around for customer service escalations, they do make it right in the end!

Please read me!!!. If you’re reading this review than obviously you’re thinking about downloading this app & giving it a try & im telling you that you definitely should! I work full time & live paycheck to paycheck & was skeptical like you prolly are right now but I am so so so so happy I gave it a try! This app is amazing it offers more than an advance. It also gives you opportunity to try a side hustle for extra cash & also gives you more to get a bank account with them which I’m seriously going to get because they offer better things than the bank I’m with now. It never fails, I always get to get an advance there is no hidden fees, never had an issue with my advances, they have auto payments which is great. The interest fee is literally less than 10 bucks & its 1 buck a month. Cmon an extra 100 bucks after bills & necessity's makes you feel more comfortable in case of emergencies or something yoy may need or what not. Dave is awesome & I feel you will be making your own review much like mine if you download it. I’ve been using Dave for almost a year & seriously still in love like the first day I downloaded it. Thank you for reading, have a blessed day

They are slowly going downhill. Have been a user for years, just to use the extra cash to give my credit a little boost. But everyone beware. 2 weeks ago after my direct deposit hit the account, I was locked out. Reached out to customer service via phone, and instead of letting me talk to someone it gave me an automated message that I should have received an email to send in some documents to verify my identity. I didn’t receive an email but provided said documents (Drivers License and bank statement to linked bank account) and within hours I didn’t hear anything so I called back and it said my account was closed. No reply to my email or anything. After reaching out to support via their website I received canned response after canned response. No real person addressing what just happened. Fast forward over a week and I receive a check in the mail for my money in the account. I deposit it into my regular checking account, and get an alert from my bank that they cannot verify the funds and have “Confidential information that the check may not be paid” and now I’m waiting again for 10 days to see if it will. It’s bad business and a crime to write bad checks. Someone needs to do something about this company and their nonexistent customer service. Don’t worry though the CEO is happy to post all over about their expansions, all while stealing customer money.

Great app! $200 advances are 🔥 and consistent if you are too! 🐻💰. I’ve had Dave for months now, and I get paid every week EARLY! Not only is THAT a great incentive, but I expected this app to be like many others, (where they lie, basically) lol. But DAVE actually gives you $200 advances. (You can advance anywhere from $100-$200) You just hit the “advance” tab and select your advance amount. You have it deducted immediately when your next ACH direct deposit check that clears in your Dave Spending Account, or, you can pay it back early with another form of payment. NOTE: a potential advance DOES REQUIRE proof that you can pay Dave back. It’s not just free money. You have to build a rapport. You start out at $25 advances when you open the account, and then as you get ACH direct deposits, keep money in your account, and advance and pay him back regularly from YOUR money, you can then advance $100, $150, or $200. Once your advance is paid back, there’s a “cool off” period, which is a few days where you can’t advance, and then you can advance again after that. I LOVE THIS FEATURE. Sometimes I have to say, I spend my money frivolously, (not proud of it) and I need a little bit extra to get through the week. So it works out perfectly with timing with the “cool off” period, too! It allows me to budget better AND monitor my spending. Thank you to DAVE!!!! 🐻🧸🐻 THE BEST BEAR AROUND! ⭐️⭐️⭐️⭐️⭐️

Disappointed. I discovered Dave when I was in college and first living on my own. It was a great help to learn to manage my money and be able to have an extra hand when I needed it. However, I recently decided I was going to open an account with them instead of just using the service linked with my current bank account and when I attempted to do so I was given an error that my identity could not be verified so for security reasons I could not move forward. No big deal I can just upload documents to verify that I am in fact myself. Wrong, after hours of searching for a way to do so I finally reached out to support. I was told that not being able to verify my identity could be for a number of reasons (all of which are listed in the FAQs which I had read multiple times at this point) and therefore I could not move forward. I explained that I understood and thanked him for getting back to me in a timely manner and went on to ask if there was anything at all that I could do to verify my identity. When I got the response I was a little shocked to find out that there was no way I could verify my identity and therefore could not open the account. It’s quite astonishing and disappointing that if I do something such as move and my identity cannot be verified because my records no longer match Dave’s then I cannot open an account. I believe there should be a way to get this resolved but none the less here we are.

Dave is great… BUT. When in a pinch it’s great to know that you can rely on Dave to get you to payday. I’ve used it several times and I’m very grateful for its existence. However, the app is extremely controlling over how you use it. It takes way too long to update your “available balance” so, if you want to pay back manually, it may not let you because it doesn’t detect that you’ve been paid. I understand this is meant to prevent overdraft, but cmon, I don’t need a babysitter. At least allow me to override this so I can get on with my life. I know how much money is available in my account, and I also know that it may not be there anymore when Dave automatically tries to collect- which is why I would love to pay back manually without being told I can’t. I’ve had to email support a few times to get an “alternative payment form” emailed to me, which just makes it even more annoying. The budgeting features of the Dave app also suffer from inaccurate or out of date information regarding the available balance of the account in question, because it takes forever to update. If your looking for a payday advance, Dave is great just be ready for some frustration when it comes to what seems like basic function. If your looking for a great budgeting app, keep looking.

Dave is helpfull. When I heard about the Dave app I though yeah right a app that will lend you money if you are in a jam with 0% interest??? To good to be true, so I downloaded it and looked at the app, read everything I could read on the app. And IT WAS TRUE! The only thing you pay back is what you borrowed and a small tip which you can pick the amount if you wanted to tip .75 cents instead of the suggest amount you could, and all for $1.00 a month that’s it. But than I was never able to borrow money for some reason every time I would try it would give some message. So finally one day I was going to delete the app, when I was asked why I told them and they said give them some time to look at it and I got 2 months free. Next I know I received a email saying I was able to borrow from Dave. So the customer service is pretty good as far as I could tell. The only thing I don’t like about the app is once you borrow and they take it from your pay, you have to wait 11 days from your next pay to borrow again. Sometimes the money may be needed before that. All in all the app is pretty good I would definitely recommend it to anyone who is in a jam, needs help with there bank account. The Dave app has definitely saved me from accidentally over-drafting a few times. I’m glad I downloaded the app.

APP WORKS GREAT. usually never do reviews but i HAD too for dave. i been using dave for a while and it has been helping me keep with gas and food until my next paycheck. i love the fact that it sends the money asap if you ask for it early enough. they start you off with a $75 limit which mines has just increased to $100 because i use it so much and have it auto drafted back out to pay. also as soon as you do pay it back you can request more next day which is helpful especially if that money you had to pay back is something you may have needed for something else. so it literally helps keep money in your pocket if you have a job. these are all great things about dave but the reason i wrote this review is because of the way dave handles getting their money back. i just moved to another state and got some money from dave to help with that. i just found a job in the new state but i haven't been gettin paid yet so i am behind on my pack-back to dave. I JUST WANNA PRAISE DAVE ON NOT TRYING TO TAKE MONEY OUT OF MY ACCOUNT WHEN ITS NOT THERE. they check 1st which is so nice cause alot of us using the app are already not very financially stable or literate and we need all the money we can get and getting this overdraft or ach fees really hurt us more than you know. I hope you read this developers cause i just wanna say THANK YOU. THANK YOU. THANK YOU. and i start my job soon and im not in debit THANK YOU!!!

Review. Since they were able to validate my account they were able to give me the $75 loan without any tricks. They took it out as soon as my direct deposit came in so if I needed to get another advance the next morning I could do it around 3-5am before the day starts so you don’t have to go half the day waiting for it to give you the green light to put in for another advance! I have no issues navigating site. The only issue I have is after you agree and swipe ok to get the advance the next screen it goes to is the Dave Bear with hands up and a green bar at bottom saying thank you and if you don’t pay attention you will press the Thank You Bar thinking it’s just the final page like a second swipe to make sure you meant to agree to it, but it’s really an effort by them to get a tip out of you which I got caught on it and now I am into it for an additional 10 Dollars which I would never have agreed upon!! If the times are tough enough to need an advance I am not in position to be giving out a 10 tip on top of the $4,99 charge to put it in account right away for no charge you can wait I think 3-4 days for it to go into account so I am now paying 90 dollars for the 75 which I definitely will never ever give a tip again!!! Fool me once ok that’s on me but to me it’s kind of messed up to get people while they are down with no way to reverse it!

Handy. Well I’ve used this service 3 times and the first two times I’ve gotten my money right away by paying the three dollars. But on my third time using it I paid the three dollars and it said it was deposited in my account I confirmed it and then the next morning it was gone and they still said it was going to be paid back on my next payday but yet I had no money from them and it put my account in the negative. Later on the second day I received a message saying it was sent and should be there soon and asking for a review but yet I still don’t have what I asked for they say it was sent the bank can find no records for it. Needless to say I’m not happy. Also the way they kinda trick you into adding a tip is kinda shady they should put a close button on the screen if you do not want to include a tip. And the default is 15% if you don’t pay attention you will pay back plus the 15%. Now for me if I’m hurting for money and need to borrow some this is an awesome service but 15% is kinda high if a person is strapped for cash. In the end I still have not received the money in my account and I paid for the quick deposit. If it does not show up by the day before I get paid I’ll lock my account so they cannot take money out in case they try.

Going backwards. Let’s start by saying the when I first started using this app it was working fine, now I have been trying to use it for a while now and it was stuck on the screen that said a verification for the bank account was needed and it should take two days, I’m wondering how you guys count your days because it was displaying the same message for over a month, I tried to do the process again and after I linked my bank account for the second time it took me to a screen that requires me to verify all my information again including bank account and routing numbers, once y put my information says my bank account number it’s not correct and I know what you are going to say you probably did it wrong try again, well surprise it was done multiple times and by different people now one out of two everyone it’s making the same mistake or your app has bugs, I think it’s safe to say the second option seems like the right one, I know you will give an answer saying you are really sorry and that you will look into it, save the time and use it to improve the app and please add a phone number to contact your customer service if you don’t have a card other wise it won’t let you do anything because all the options that you have online are useless or at least don’t solve my problem specially since my screen it’s stuck on the part asking for my bank information after I linked it electronically. By the way I uninstalled the application. So keep it up.

Most helpful banking EVER!. So I saw the commercial on television one night and thought, “there has to be a catch….there is no way a bank offers those types of services and options without basing everything on your credit and credit score”…. I was on the App Store and saw the app and advertisement against few days later and thought I would download it and really see what the deal was with all the options and “benefits”, as I don’t have perfect credit and it’s a struggle to find a bank willing to work with those that have past and/or current credit issues. All I can say is WHAT YOU SEE IS WHAT YOU GET! This was not only the easiest process to complete, the company is very much legit and anxious to help customers get started with banking and banking options. I HIGHLY recommend this bank and the app. You won’t be disappointed. I am very impressed and that says a lot. I usually don’t leave reviews because I don’t have a lot of time to pour into trying to convince someone to use or not use a product or service, but I made time to leave this review. Check them out! Don’t look any further for banking or banking options until you give them a try!

Dave to the rescue 🐻💨💸💰💵👨‍👩‍👧‍👦🥰💕. I’m so blessed to have the Dave app. Without Dave helping me out with an advance my family and I had no clue what to. I was searching tears streaming down my face holding onto faith with my fingers crossed and just like magic my faith pulled through and sent me the Dave app he’s something a super hero or something the Dave app appeared he gave me my advanced straight into my banking account set up easy renewal for the payment each time just set it and in no time before u even realize it ur all payed back even a child can manage that it’s super easy. Ily Dave ur my superhero thank u for all ur helpful and easy to use and easy to get to may u forever be admired for the generosity and kindness for all of us and we all love you we could never be able to make you feel like you have deserved to feel a million words could not express how much faith and love u have shown to so many of us. I’m sure everyone can say the same as I do we respect you for all that you do and you will always have the appreciation from us all you saved me from the huge embarrassment of my pride and my family didn’t have to watch me fail them love u Dave u sexy lil teddy bear you🐻🥰😇…. 💋Mmm…Uaaaah💋💋💋

Works great except for one thing….. Dave has been really helpful these past few months. We hit a bad financial snag and without Dave, I don’t know where we would be. Payment through debit card is fast and easy, however the bank payment is soooooo slow! I made an inquiry to my bank about a charge from Roku, (something we don’t have), and the rep I talked to immediately shut off my card for fraud even though I never requested it. That was just devastating because I now had to access to my bank account. The day of my advance settlement for Dave was the same day my new card arrived. By the time I activated my new card and set it in the Dave app to pay, it had started the process of going through my bank. It has been 4 days, the money is taken out of account and my advance payment STILL isn’t settled!! When I talked to customer service, I was told it was my bank holding it up, but I explained the money was taken from my bank and the app shows that Dave has indeed received the payment but my account still isn’t settled. I’m really hoping this changes soon! The same day my bank shut my card off, my car broke down, I can’t get it fixed because I don’t have the money. So lesson learned!! Do not talk to my bank at all when I have a Dave settlement coming up because it takes a week or more for the stupid thing to settle even though they have the money.

This app is the Truth and if you’re in need of help financially this is where you’ll find it.. I downloaded this app and was leery of it and just thought it’s like the other ones I’m gonna need a bunch of credit I’m gonna have to jump through hoops and it was actually quite simple for the most part and although I only was able to get a loan of five dollars do you know where it came at the right time at the right place and help me out so that I wouldn’t look stupid when taking someone out to dinner and being short a few couple dollars five stars for this app. There is one frustrating thing I am a independent contractor who gets paid often daily but do you have weekly direct deposit which go into my Venmo account Venmo is it legit app and safe place to have your money very safe actually and I’m wondering why doesn’t it link my Venmo account why can’t I use Venmo with Dave where it will consistently show how much money I make every week how much my direct deposits are how long I’ve had them so then that way I could’ve borrowed $100 instead I’m hoping that they fix that and also When trying to open up an account with Dave and have my money directly deposited there it’s saying it’s not able to prove who I am or something but I’m sure Dave will get it fixed until then thank you Dave

Reviewing the Dave App!. Hello! So my boyfriend was my resource for finding out about these apps out there that will help you with money until payday! He goes thru the app called “Earnin” which was the one I was initially going to go threw but because of all the info they needed and how long it would take I chose “The Dave” app! Now the thing that doesn’t make any sense and really makes me mad, is Earnin app borrows my boyfriend as much as he needs from his upcoming check! Which is what I was expecting and needing from Dave app! This app only gives me $20 dollars! Honestly that is just an insult and not even helpful! What is 20 bucks going to do to help me out, especially in today’s world and with 4 kids that need to be fed and a vehicle that needs gas to allow me to get to work? It is not enough money to help a family or even a single person! You need to make it available to borrow what the customer wants and or needs! They are the ones who pay it back and it’s there decision and or problem what they chose to borrow from there next check! You guys take the money right out our accounts automatically so I don’t see the issue with not allowing your customers really get the help they need. That would also make you guys more money because we as customers would tip you way more better. Please explain why it’s only 20 dollars I can borrow for 5 days until I get paid :( ? Thanks much, Kaitlyn Ralph

Hacking turned in to financial ruins. I hope your account never gets hacked. My account was hacked due to me stupidly trying to join into their sweepstakes the day before I was scheduled to go out of town. After the hacker attempted to get in I was locked out of my account as well. I reported the hacking hoping that I could regain access to my account. Instead I was told that corporate had to fix it but my card should still work. Later that day I attempt to use my card and was denied. I called again and they said my account has been closed. I would have preferred to have some type of warning before they took it upon themselves to Lock me out of my funds. I could have wired the money to my cash app with out having to go into the app and then they could have closed the account but no. Now I have to wait 14 days for them to make sure no transaction have to go through as well as up to 4 weeks for them to email me a check. I did enjoy the app for the time but seeing how they handled the situation I no longer will be using it. If you think you got hacked and your funds are still showing up when you call and check your balance, please transfer your funds before you call them to report it so you don’t have to go through what I am. It seems that not all of their employees know the process and may give you a false sense of security.

Works better than earn in. Only annoying thing is that it says you can get $75 but only let me get $20 at the most.. better than nothing I guess. (First time I used it) Now that I got my paycheck and paid Dave back, I now have the option to cash out up to $75. Super cool app. I always choose the fast cash out for a percentage of the money their giving me ( it was $2 for the $20, and it was $5 for the $75) it says it will arrive in your account within 8 hours, and I always get it instantly. Thanks Dave. I’m in between full time jobs so I only have a part time job and drive uber. It helps so much especially when I don’t feel like driving uber or if uber is slow. This is amazing. Better than Earn-in. They keep asking for a copy of my paystub even though I get direct deposit & I currently don’t have access to my online paystub. But there’s none of that bs with Dave. Dave is smart and can clearly see my check depositing every two weeks. I’m sure earn in is good once it’s all set up, just annoying that its doing that to me right now. So thanks Dave creators for making such a cool, smart app. They also plant a tree for every tip you give them. ( I gave .75 cents and they are planting 1 tree. Really cool)

The best app ever!. So my wife had seen Dave on fb and she and I knew this last week was going to be tight. I work full-time but with two young children we can’t always make it to my next paycheck. I’ve found myself sometimes asking friends and family for small loans (that I always pay back) but I hate doing it! I always feel ashamed and even though they always tell me it’s ok because I’ve never missed paying them back on time, I still find it kind of depressing to do. Enter the Dave app. I was skeptical at first. A $75 payday loan with NO INTEREST?? Sounds kinda fishy right? Well I researched this app, downloaded it, and within a few minutes I had $75 in my account! I did pay the extra fee in order to expedite the process but that was the ONLY FEE I paid and that was optional! Then when I was paid this past Friday they automatically took the money back and that was it! I can’t express how satisfying it is to not have to go to my friends or parents with my tail between my legs for a few bucks anymore! Thank you so much to the developers! All of this is made possible by paying $1 a month! This app is a dream come true for hard working people who find themselves in a tight spot from time to time! P.S. I am real. I’m not some shill writing a positive review for a reward. Dave is 100% legit!

Debi White. Love Dave living on. A fixed income the end of the month gets tuff and Dave is like a good friend always there to help me out !! 😁😁THANKS DAVE. But I do have one issue I can’t get through the app to talk to a rep about my account. I moved an I was getting internet installed an I couldn’t get my phone to load it so the rep from their company was adjusting my phone so he canceled the internet and reloaded it well when this was done it reset a lot of my apps an Dave was one Now the app acts ne all the time if I lost my job or changed my bank well nothing on my part has changed except my internet company. But joe I have to start all over I got a reduction in my loan from 75$ to 20$ WHY???? My account is the same an nothing is wrong so why ???? An what my real problem is getting through to talk to someone for help I’m always told I would get a text to figure this all out but still nothing so I guess I’m just out of luck But this is wrong an I mean wrong so now maybe someone will find the time to text me so we can work things out. Wit everything I’m dealing with family an this virus I could have really used the 75 to help with their meds. DAVE PLEASE HELP !!!!!!!

Great App!. I downloaded Dave several months ago but my bank wasn’t listed to use soI requested they add it. It took a few months but I kept checking back and soon my bank had been added. Due to unexpected family medical emergency I needed help so I did the cash advance with Dave. The process was very easy and my money was deposited into my account at the end of the day even though it said it would take eight hours. They don’t charge interest or a fee for the advance, except for the five dollars if you need the cash fast, but you can include a tip which I was happy to do. Unlike the Earnin app, which tracks the hours you work at a physical address before it will advance your money, Dave looks at your income history and then determines how much it’s able to allow you to request. The max available is $75 but if you’re approved for that amount it gives you the option to take $50 or $25 instead which I liked. I think this is a great app especially because the end of the month is hard for a lot of people and in times of emergency it comes in handy. The only issue I saw is that you can only borrow within 10 days of your next payday. But overall it’s a great app!

Not Helpful & A Thief In The Night!. I CANNOT recommend this app!!! I’ve been using the Dave App for approximately seven months now and so far it has been mostly frustrating. After taking the time to apply for a spend account and uploading my driver license, Dave rejected my application because they couldn’t verify my identity. Weird because I have been at the same address over six years my license address matches and I have credit &bills consistent with this. Okay, so even though I’m not elected eligible for a spend account Dave allows me to get advances on my monthly income. Great, right? Not really because Dave pays himself back by going by when my credit union last applied my monthly direct deposit. The problem is, is that my credit union deposits the money the moment they receive it which could be different dates every month but Dave doesn’t take this into consideration so he has overdrawn my cu account on a few occasions which is the opposite of what Dave’s main objective is! I have contacted CS several times about it and they have been no help and only repeating what the last rep said or telling me what I already know! To top it off I am being charged for using the app because I don’t have a spend account. Ugh! FRUSTRATING to not have this issue resolved. I will be closing my account since it really serves no purpose but to borrow from at ridiculous fees and to overdraw my cu account costing me even more. 😒 Thanks Dave.

Lost $1000 due to fraudulent charge. I’ve never left a single negative review in my entire life but hopefully my experience helps someone else not lose over $1000 due to fraudulent activity that was proven to Dave’s customer support. If anyone wants proof of all this, I’m willing to show it so that you know my story is verified and true. This is what happened. My account was hacked. Someone was able to login and make a purchase of over $1000 that was all the money in my account. Any other bank wouldn’t allow a charge like that to go through. You would get a notification saying there’s been suspicious activity and you’ll be asked to verify that charge. Especially, when the amount of purpose is exactly all the money in your account and placed at a vendor based in China that you’ve never even used once. So many warning flags. Dave Banking has insanely low security. The fact they don’t have a system for a suspicious charge like that and allowed the charge to go through with a single notification to me is just sad. So I spent hours talking to their customer service. They told me to submit a case which I immediately did. Not only did I not receive the money back ever, they closed my account without telling me, making me lose over $1000. I’ve been kindly trying my best to reach out to them but no one on their team is willing to help. Hope someone else reads this and changes their mind about using this bank.

Bugs in the app. Don’t get me wrong, this app is great! I’ve been using it for almost a couple weeks now and I love it, I downloaded it during work because my girlfriend recommended it because I got an unexpected overdraft fee and I was negative, so I had to dispute my charges from the snowball effect, but nonetheless I wanted it to help prevent and better manage my money, I’m 18 years old and I recently moved into my first apartment with bills to pay now with my girlfriend so the Dave app really helps both of us out, and this building credit feature-I can’t wait to try out, it sounds amazing! Build credit by paying rent, unbelievable. I had to pay a big deposit because of no rental history or credit. Dave is amazing, but recently, I’ve been experiencing minor technical difficulties. The app seems to be showing expenses that need to be payed before payday or I might “overdraft” but then I look below, and it appears there are no expenses to remove or edit; and it’s a pretty large sum to be notified about. I’ve tried a lot of troubleshooting, but nothing seems to help, and I don’t want to be notified of false alerts & notifications. Don’t know if there’s a way to fix this or not, but I still love the app. I just wish I could use it to its fullest potential-with the alert system & billing information. -Isaac L.

Dave. Dave Banking offers a refreshing approach to personal finance, combining convenience with a suite of innovative features that truly put the user first. From its user-friendly interface to its commitment to financial empowerment, Dave stands out as a beacon of modern banking excellence. One of Dave's standout features is its commitment to financial wellness. With tools like predictive alerts that help users avoid overdraft fees, budgeting assistance, and cash advances of up to $500, Dave actively helps users stay on top of their finances and avoid common pitfalls. Furthermore, Dave's fee-free banking model is a breath of fresh air in an industry often marred by hidden charges and confusing fee structures. With no minimum balance requirements and no overdraft fees, Dave truly prioritizes the financial well-being of its users. In addition to its core banking features, Dave also offers perks such as the ability to build credit with their Credit Builder program, access to financial counseling, and even the option to get paid up to two days early with direct deposit. Overall, Dave Banking sets a new standard for modern banking by seamlessly integrating technology, financial education, and customer-centric services. With its transparent fee structure, proactive financial management tools, and commitment to user empowerment, Dave Banking is not just a bank, but a trusted partner in achieving financial success.

Dave alright. Dave is an app I do really like but even paying my cash advances you don’t get another advance till basically when they decide or whatever or who ever decides to make it available to you in your app I litterally paid my advance back on the 26th and here I am needing to use my advance option again but I can’t because it’s not available it says check back tomorrow for whatever reason and I have emailed them and everything I have now emailed them and let them know I will be closing my account if I’m not going to be getting the advance feature especially when my other advances have been paid and especially when I pay a fee every month and if that’s the case I will go to another app and just move on but I love Dave I just can’t allow them to be able to make it available when they want to especially when I paid my advance and than turn around and just don’t give me another until another month or whatever and don’t even increase the advance when I’ve done this several times or whatever yes it’s their option to give you one or not but when they give them to you a few other times and they been paid but you pay it and than it takes another month or whatever for you to get another one there is no sense in it and I don’t appreciate it !

Great at First, But Eventually Experiences Issues. Initially I was skeptical to install and use an app requiring entry of my banking account info, but after reading dozens of mostly-positive reviews I decided to give it a try. Entering my bank account info and inputting my paycheck schedule was quick and easy, and not long after the verification was completed I requested and received a $75 cash advance. Over the course of a couple months I requested and received three $75 advances, each of which was paid from my checking account on the scheduled date. However, this week I attempted another advance but the app reflected it did not register my most recent paycheck, thereby limiting to $20 the amount I could advance. Upon trying to update the paycheck schedule (which has NOT changed, mind you), the app informed me it could not offer advances based on manual paycheck entry. This issue was something I read in many reviews, but I opted to continue with the installation and use of the app. Now, due to the frustrating glitch in the app’s ability to record my always-on-time paychecks and other, static monthly deposits, there really is no point in keeping the app on my phone. Currently I am evaluating the use of other, similar apps, as I see no need to maintain the Dave app because it no longer properly records my paycheck information. I’m glad I waited to write a review because it allowed me to experience both its pros and cons.

Locked Extra Cash for my “Security”. 8 days ago I went to cash in my extra cash from Dave. I kept receiving emails that I was approved for $400 and I use Dave almost every month and have for years. But this was a new thing. Not an advance as I was accustomed to but now called “Extra Cash”. When I attempted to access it I received an “Account Locked for your Security. Please contact member success to gain access”. I did, received instructions to email 60 days worth of bank statements and a screen shot of my account balance. I followed the instructions and did as was requested. Then waited. Over the last 8 days I have contacted Member success by email, chat and telephone no less than 20 times.i have sent the required information at least 4 times and I have watched my cash approval slowly drop. $400, $300, $250, $200 and now I am at $125 and STILL locked. I understand that amount approved varies and is redetermined every 24 hours and it reflects your bank account amount and activity. But I really needed the $400 when I tried to get it and my account was locked keeping me from accessing it. And now the amount is almost laughable. All I want it some help and I’m. To getting it. It’s not ver nice. They also continue to email me telling me I’m approved for extra cash and to get it now! I’ve also received a few receipts stating I have transferred the money and it’s on its way. Which has never happened. Sad.

Banking Trash!. I loved this app when it first came out. When they added the banking option I joined the waitlist and decided to deposit a certain amount of my paycheck into Dave Banking.... FIRST; Never received the correct debit card. I was sent 5 cards and tried to activate all of them and kept getting an error. When I called Evolve Bank who handles everything I was transferred to another 3rd party company.... tried to use my acct over July 4th weekend and I wasn’t able to access any of my money. Called in and kept getting hung up on and no one will contact me by email or by phone... this is horror when you have pills and payments bouncing. I really regret trusting this app with my money.... wish i had real person to talk to instead of a rep who sounds like they just woke up and keeps hanging up Update: I was able to get in contact with someone this morning through the chat app. It’s a know issue currently with not being able to process transactions through 3rd Larry such as Venmo, Cash App and etc. No current eta as of this afternoon and I had to reorder my card because the one I received was tied to a previously closed Dave Banking account. 2021 Update: Since my initial review I have not had any more issues. I’ve actually received a Dave card and it is fully operational and I still get my check a day early from then my other bank accounts

Dave is a lifesaver!. I often times live paycheck to paycheck and in need of borrowing a few bucks from friends or coworkers just to get by and have enough gas to get to/from work. After being bombarded with ads for this app while on other apps, I finally took it into consideration and did a little research to make sure I wasn’t getting myself into a big mess. After deciding to download it, I linked my bank account and asked to borrow $25 (you have the option of $25, 50 or 75). You can wait 1-2 business days or pay an extra $3.98 for it to be in your bank acct within 8 hrs. I chose to pay the few extra dollars to have it fast and once I opened up my banking app, it was already there. From the time I downloaded Dave, to the time I logged out, it was less than 10 mins and I had the $25 in my account. That fast!! I will definitely be keeping this app on hand so I can bypass the embarrassment of asking to borrow money again. And another awesome thing? No enormous interest rates like traditional loans, and can do it all from home...no need to speak to anyone and no need to physically go into a bank. I’m beyond satisfied and I hope that satisfaction continues. I highly recommend this to anyone who needs some additional help to get by until payday.

Awesome, awesome, awesome!. I don’t usually like leaving reviews but I felt that it was more than necessary for me to do a review of Dave. First of all, the setup process after I downloaded the app was SO fast and SO simple. They walked me through the setup very easily, and they even had some budgeted items already preset for me after they analyzed my bank account. That was a pretty cool feature. But the BEST PART OF ALL is that they let me borrow money from my upcoming paycheck on the SAME DAY that I downloaded the app. There was absolutely no waiting period or trial period before I was approved to borrow. I was honestly amazed by that. Most apps that offer payday type of loans will make you wait up to 30 days before you can borrow but not Dave! I had downloaded the app, set up my account, borrowed money, and had the money in my account all within less than 30 MINUTES!! That’s unheard of! And once I confirmed the amount I wanted to borrow, the money was literally in my account instantaneously. Literally. So if you’re on the fence about this app, just go ahead and take the leap and download Dave. You won’t regret it. ALSO- no fees. They do NOT make you tip them if you don’t want to. Side note- I am a completely real reviewer. I was not paid or compensated for this review. This is my honest opinion. No BS. Happy borrowing!

Used to be great. Now, not so much.... I have used this app pretty much every two weeks for a little help with gas money. For the first 2-3 months I had no problem. Then I started receiving error messages stating that my pay check hadn’t come in, but when I would go to edit my income it displayed my last check from 5 days prior. I deleted the app and reinstalled, which solved the problem. Two weeks later I had the exact same issue, but deleting/reinstalling didn’t help. I wrote into customer service and they responded within 6 hours apologizing and stating the issue had been resolved. I was able to go in and borrow right away. That was two weeks ago. Im not really in a position where I need extra funds right now, but I wanted to see if the problem would persist. Sure enough, I’m getting a message stating my last check hasn’t come in yet, but then it displays my last check from June 8th and shows my next pay date is June 22nd. There has been no change to my income or pay schedule, so I really have no idea why there have been problems in the last few weeks. This used to be a 5 star app, but with consistent issues I’m rating it as a 2. Update 11/30....issues were resolved and I’ve been able to use Dave a few more times to help out in a pinch.

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Be cautious. Sign up because I was in need and after using them I started to regret using them I would have 30$ in my account they would take. Half that. And take the rest when. I got paid which I didn't like if i only have 30$ in my account and borrowed 75$ why would you take A big chunk now how I'm get by till i get paid if you takin the little money i have that was a terrible set up in my opinion I understand you want to get paid back but can you atleast wait till i get the money deposit in my account First before takin my small amount i have … I have decide to deactivate my account they asked me a million of stuff to get the account deleted then they turn around saying its not enough .. like why is it hard to deactivate my account. After i vailded things to you guys.. i had stop using them for a little while and go check my account i see I’m still getting charge for stuff and cant get it undone till i talk to a rep which is crazy I can have hardly any access to my own account but they took no time putting my card on file ..!! very appreciative For them loan me the money in time of need but i will neverrr everrrr use dave again lesson well learned…

Ridiculous. It took me 3 months of back and forth with their customer support to finally be able to get an advance of $15. The loan was paid back on my payday, plus fees. The next was dropped to $5 available loan. That was paid back, as well. The following was still at $5 availability. I spent 3 days back and forth, trying to find out why. They corrected it and allowed me to do up to $75, but I only needed $50. Again, that was paid back, plus fees, on time. I checked it again, and loan amount had dropped back down to $5. Once again, I have spent another 3 days back and forth with their customer support, to find out why. This time, I was told have only received 1 direct deposit check from my employer. Hmm...didn't make sense that I've received advances previously....one of them recently and paid back on time. I reinformed them I have received regular direct deposit from my employer and gotten advances before from this app. I was then told that, because I received a direct deposit from another source, (because I have bonuses and employee benefits hit my account every 6 months) in between my pay days, I would have to wait to show that their are more direct deposits coming from my employer. So, essentially, what they are telling me, is that, you are not allowed receive money from anyone other than your employer and by payroll only, if you want to use their app. What a crock!

April Jenkins. Ok my name is april jenkins I have been using Davi app now for about five months the second month I had it they like somebody hack into my account they let him get an advance off my check I called I called I was going to send you an email sent you an email never again every time I turn around with cash app cash or cash app then I will come I will sit on the phone for about 3045 minutes every day explaining to the customer service what was going on five times I had called and reported a chimes account was added to my David account they were supposed to take it off never did well two weeks ago my unemployment check it on Wednesday the time I got home it was gone I called I spent from 12 o’clock until 5 o’clock Wednesday afternoon arguing with them my money is gone Thursday my paycheck was Adam they took it David Hazlet a hacker hack into my cam and get $1200 off I have had nothing for two weeks then my father just sent me $50 Dave took it because my account is an a minus because of the hacker him I’ve called the police I made replace a part about it this is all I get home will email you back still nothing I don’t trust David account for nothing I would never recommend it because theyThey like to steal peoples money as well

Lifesaver!. I’ll admit I was skeptical at first about this app. But I found myself in a pinch and needed some gas money. My paycheck was two days away. I tried this app, and let me tell you it was super easy! One dollar fee a month. I’ll take it. I was able to input my info and link my bank account and within minutes I had a personal budget, which really made me review my spending habits. Verify your info and your deposit/ job earnings and your done! Then you can request an advance from your future check! You borrow from yourself, with absolutely no interest! You can express send your money for a $3 fee (which you do not have to pay; you pay it back with the amount your borrowed from your future paycheck) and you have it within a few hours (I got mine almost instantaneously!) Verify your repayment date or next job deposit and they will automatically take it out of your check. The best part is; it will not take it out of your check if it will make you go negative. You can make a payment your next check. This has been a lifesaver. Instead of trying to bum $20 for gas I can borrow against myself. It’s been a great easy process for me!

Handy. Well I’ve used this service 3 times and the first two times I’ve gotten my money right away by paying the three dollars. But on my third time using it I paid the three dollars and it said it was deposited in my account I confirmed it and then the next morning it was gone and they still said it was going to be paid back on my next payday but yet I had no money from them and it put my account in the negative. Later on the second day I received a message saying it was sent and should be there soon and asking for a review but yet I still don’t have what I asked for they say it was sent the bank can find no records for it. Needless to say I’m not happy. Also the way they kinda trick you into adding a tip is kinda shady they should put a close button on the screen if you do not want to include a tip. And the default is 15% if you don’t pay attention you will pay back plus the 15%. Now for me if I’m hurting for money and need to borrow some this is an awesome service but 15% is kinda high if a person is strapped for cash. In the end I still have not received the money in my account and I paid for the quick deposit. If it does not show up by the day before I get paid I’ll lock my account so they cannot take money out in case they try.

Hopefully an insightful review.. I think like everyone else once learning about this app, your first thought is of safety. I debated whether or not I could trust it or if it was truly a scam. However, after researching the company it is quite credible and is on the Forbes list of startup businesses. It’s pretty simple, you DO have to give all your information but keep in mind that even businesses like banks and online shopping websites have the ability to be hacked so this is no different. After verifying your information, without much else, you’re prompted to give employer pay information and asked what amount would you like to apply for $25,$50,$75 (Those are the only options) with the guarantee you’ll pay back on the next payday. The money is instantly deposited and that’s it. Pretty simple. If In need of a few dollars until pay day this is as good as it gets. You’re borrowing the money from yourself basically with a monthly $1 fee. —Be advised EVERY business has their faults ESPECIALLY with customer service however I haven’t picked up on any that are alarming.

1st Time User. I signed up for Dave. It was a bit of work learning the ins & outs of the app. I like how I can link my bank account, so I can receive advances quickly. The first day or so of having the app, I was only given an option for a $5 advance. That wouldn’t be worth my while. I was broke and needed gas and more. I attempted to add my spouse’s income but it wouldn’t accept. It shows mine as verified, but my income is smaller and I wouldn’t get a big advance like I needed. I checked Dave on day 3 and had an offer for a $25 advance. I accepted and proceeded to check out. I was happy. The $3.99 fee wasn’t bad and it allowed me to choose my payback date. Cool! Smooth process so far! It asked for a tip, and I wasn’t ready to give one yet. I didn’t know if I’d really receive the money. It still charged me 15% for a tip. I’m not happy about that and attempted to email customer service. Anyway, I went ahead with the process and my advance hit my bank right away!!! I was in the middle of my email to complain about the tip & ended up not finishing it. I was thrilled to get my advance right away.

I love the app. This was my first time using the app I was a little bit skeptical of putting my bank account information in the app once I finish putting in the information I had to wait two weeks for them to be able to advance me money they have to make sure that the company is legit which was fine with me now this is my third month using them and I love it they can advance you money really fast and it will be in your bank account the same day or three business days The only Con I have is that when you work for another business they will not advance you the whole money you have a choice of 10 15 $20 until you get your second paycheck from a new company which was fine with me but I also noticed that once they notice you’re getting the same check from the same business it takes them a minute to process on the app you can have your check on Friday has cleared but I noticed sometimes when I go to the app it still says it’s pending unfortunately you won’t be able to get Advance money but overall I like the app so far 😊😉

Fine, you really want my review.. I count on you to give me an advance because sometimes we are really low until next paycheck. That’s what the service if for. I’ve successfully paid you back every single time I’ve gotten an advance. You’ve made plenty of money off of me. And now you’re telling me you can only give me 20 when I was expecting to get the normal 75 I always get. You’ve just screwed me and my family out of money for the rest of the week. We were expecting the advance and you just screwed us. I’ve paid you 80 dollars every single time you advance me so you’ve made quite a bit of money off of me and now you’re gonna tell me this? I don’t keep money in my account because you take 80 every single time I get paid. I have other bills I need to pay. Not to mention the fact that I’ve never been able to get more than 75 from you when you guys claim to be able to advance 100 right on your description. You guys have done this to me more than once and beg for a review, along with a tip on top of the 5 dollars extra you take from me. So here’s your review. Thanks for screwing my family and I for the next week. With only being able to give me a measly 20 dollars when I’ve paid on time every single time. Thanks.

Human Help pls! Long time customer, now very upset.. Dave’s been great. I use there extra cash advance option so my advances are higher and provides the help. Paying back an advance they call it settle your advance. I’ve been trying for days to have someone fix a glitch that happened. I settled my advance and it usually says thank you, you will be eligible again in 24 hours, or something. But after i paid it still was stating, settle your advance. I waited a day to see if it fixed itself. No. In transaction history on Dave, clear as day, shows i paid my extra cash advance and in ( ) states the date for which this settlement payment was for. Yet it says settle your account, BUT for $0.00…… which obviously i can’t pay $0 to settle my account, and it obviously picked up my payment which is why. It saying settle for the amount of $0.00, but it’s stuck in limbo with this glitch. I need someone to refresh my account to reflect this. I typed all this to get an email back that had nothing to do with my problem. I need a real human to read my real issue. I use Dave Regularly at times, and was planning on taking my new advance out this week. But my app is stuck in a limbo glitch, showing that I paid and settled, but yet still saying settle for the sum of zero dollars. Can’t get any other replies from the email they said reply too.

I’m changing to 3 I still don’t like the dumb advance feature and I stand by that below. See edited.. So it’s a fine app for direct deposit but the minute I ask for a cash advance I got the advance and it paid back the day I took out the advance for 5.77. So the advance didn’t do anything but subtract my acct 5.77 basically in the same day. I thought an advance was supposed to you know be IN ADVANCE. I’m highly irked by this. Don’t use the advance feature. It’s pointless. For direct deposit it’s good and will get you your check early. But that’s the only benefit. Edit: Dave accidentally deposited directly my paycheck twice. I could tell it was a mistake and wondered when it would get corrected. Well it did. But it took quite a while. HOWEVER, once they did correct it, they deposited 100 without any request on my part to make up for making it look like I had more money than I did. I don’t know of any other bank that would give you money after making that kind of mistake. They just take it away and boom you’re screwed. So thank you. Just fix that advance feature and I’ll give you 5 stars. It really is atrocious.

Months of overdraft fees and Non Communication. I am still in the process of canceling my Dave account. First reason being that since I have opened the account 3 months ago, the constant message of " I will let you know when you are approved". Seeing as it has been three months I would have believed that Dave would have been able to verify this information or have at least called or emailed me in regards to why. Second reason I canceled my Dave account is because this is a overdraft help app. I downloaded it just in case of emergency's, unfortunately since Dave has charged me for two months in a row of $1 dollar, I have received two months worth of account overdraft charges. Seeing as I removed all my money from that account the first month after the first overcharge not to get into another overdraft for the upcoming month, only to find out that indeed I had yet another overdraft charge from Dave. I find this frustrating as this is an app to help prevent overdrafts and not only have I not been verified after two months, but now have gotten two overdrafts from this company. Dave is designed to prevent overdraft fees, yet all I have gotten since being with Dave is overdraft fees. I am completely outraged and disappointed in this app and will encourage friends and family not to use this company.

Good but of course anyone can use improvement.. The reason they’re 4 stars for me is that at times the refund process can take bit longer then a day or two which as stated again AT TIMES very annoying and I’ll be waiting a week for a 100$ refund but if it’s a small refund les then 70$ it’s usually fast and available the best 24 hours after the refund was “processed” I cannot say over my lengthy span with Dave I’ve had any issues receiving income borrowing a fair amount of money or receiving any funds once so ever. This is a Banking app I’ve used for over 4 years And I’ve never been disappointed in the processes and/or how my deposit comes every Wednesday with no holds or anything the card works everywhere well my card old so I the chip is starting to read error at Gas stations (Kwik Trip Citgo Bp etc.) but the swipe works just fine. They have a digital card it works with Goggle pay/Apple pay and Microsoft etc… I’ve been enjoying my team here haven’t looked anywhere else since I started banking with em. I’d suggest getting More deposit Banks and not Walmart CVS etc. just because my barcode for the free deposit doesn’t work.😑 But I am still happy 😃

Surprisingly horrible experience. I’ve been using Dave since 2019 and had no problems until now. I usually advance 75 dollars and automatically pay back on time with no issues. This time I tried to advance the usual and was only given a 5 dollar approval. I checked my account information and I saw that my income source was wiped out as well as my debit card information from my bank account. I tried to enter this information back in and received an error message. I reached out to customer service and here’s where things turned for the worse. The rep told me she fixed my income error but I could still only advance 5 dollars. I asked why and she gave me a generic FAQ response and said she would escalate since there were still issues with my account that she couldn’t fix. I got an email response this morning from another rep who gave me the same generic response. I replied back to the email explaining again and still haven’t gotten a response. Nothing about my account has changed since 2019 so I should not be having this issue. So disappointed....

Finally got and email back.... I wrote a review on here on Monday, I’ve been using Dave for awhile now and never had a problem. I got an advance last week and paid it Friday. Come Monday Dave just takes out another $75, so I’m in the negative and with late notice and not being able to go put cash in the atm, as it was night. I have to take ANOTHER $75 with the express fee, $4.99. So that’s close to $80, next day I get charged the $35 insufficient fee because Dave took the $75 and made me negative and I didn’t make the cutoff time. So I’m out $118 this week because of Dave, I emailed them and they said on their part they see they only took $75 out once. I checked my Dave app and my bank statement for the two transactions and they are still there. I’m not sure if they are just checking one date as I said Friday and Monday, I sent them screenshots of both saying they took $75 out. Fingers cross they can actually investigate and not send me these short emails that do not even clear up or explain why they took out $75 twice. Also I emailed them Monday, they messaged me yesterday night. I would not download this app. It’s such a hassle trying to get your money back if they mess up on their part. All you can do is email them, it takes them days to email back. They have people that help you that don’t even see to really care about the problem or issue. I’m removing my app.

Terrible app. Tried setting up my account on the app. They could not upload my photo ID even though I followed their directions. I tried at least 20 times but no go. When you try again, they send you back to the beginning of the sign up process so you have to keep repeating the whole process again and again. I chatted with someone and they had to delete my account and I would have to download it again and sign up again. That did work but again ran into problems linking my bank. It kept giving my error saying my credentials were verified but they could not find my info. I went to chat again for help and the person told me my bank is not supported but I told the operator that my bank does come up when I search it (which the directions tell you to do). So then they say my info is not correct with my bank. I said yes it was as I go into my bank app daily. Finally they say I need to talk to my bank and find out why?! I explained that this was ridiculous and they responded again with the line about checking with my bank but the message was written weird-kept saying "them" instead of "you" so, to sure if the person was a non English speaker or what. Then they tried to suggest to set up an account with Dave's spending account. I just gave up. It's too much work to use this.

Switching Banks. I signed up to get info when they offered a bank and so far it seems legit, I have added the digital card to my Apple wallet and will soon set up direct deposit to it once I land another better paying job. I don’t carry cash on me often and shop online most of the time so switching from a bank that charges fees for just about everything and demand you keep a certain amount to avoid fees for not having a $500 balance. Working part time and going back to school for a better career, keeping a job hasn’t been the easiest for me when I need to focus on school. Thank you for creating the app, it’s easy to use and understand and I can’t wait to get my new bank card in the mail, excited for the new chapter that awaits me! Plus also getting cash advances when I need them is brilliant, the dollar fee and the advancement fee plus tip are not much of a bother when you really need the money and they don’t let you forget to pay them back plus they put a limit on how much you should borrow which makes paying back a breeze. Thank you!! 🙏

Honest & Dependable. When I first saw advertisements for Dave on TV and Facebook, I thought they were lying. I thought it was a scam. I thought “there’s no way they won’t charge me interest or check my credit.” But it’s true! This app is true to its description and is extremely useful. It was easy to set up and connect to my bank account. The app evaluates your bank history to determine when you’ll get paid, and your regular expenses. You can adjust some bills if they are irregular or even add a new bill. I have only needed to advance on 2 separate occasions so far. I was issued $100 and then on my next pay day, they automatically withdrew the $100 plus the amount of the tip (if you choose to tip). They also automatically withdraw $1 per month which is an amazing subscription cost. Not only has it helped me get through until my next pay day, it also taught me how to budget my money better so that I don’t have to rely on an advance of money from Dave all the time! This app is wonderful for people who live paycheck to paycheck and just need a little boost to cover them for a week or so before pay day!

Really!. So I had gotten the Dave app back in December & it worked good for me because I’m a single mom living check to check & sometimes after paying all my bills a barely have anything leftover. So a friend had told me about Dave and I had downloaded it & was using it till now, Everything was good I was borrowing $75 & paying almost $100 back on each work check I got. Now here is the problem so for the last few months it’s been $75 & I would get it right away & when my direct deposit would hit they would take there $$ right away. Well this time around they want to lower my balance to $20 & on top off that I pay to express it (witch I did before & would get it right away) now it wants to take 8hrs!! Here’s my thing this is something you do to a beginner to make sure they’re going to pay & be faithful to their payments NOT SOMEONE THAT has already been using the app & getting the $75. Then it wants to tell me to have $105 in my account to get the $75?!🤦‍♀️How does that make any sense if I have the 105$ I wouldn’t need the 75$$??🤷‍♀️! The worst day for this to happen I truly have an emergency!😞

This should of been out a long time ago :). When I first downloaded Dave I was looking for an instant payout. Once I seen that it was actually tracking my expenses so it didn’t allow for that because I wasn’t showing no income. That’s cuz I really didn’t have a job but I needed help. I loveeee love loveee the fact that it prevents you from digging your self in a bigger financial hole. I like that you have the option to get money within minutes at NO CHARGE to you. Couple technical difficulties the app had is how it tracks a paycheck. I get paid every Friday and it’s soo much evidence to show that but it says I don’t. So when I open my app I’m always in the negative because it says I have upcoming expenses and not enough money. What’s so cool tho is the fact they let you get money even tho DAVE thinks you will be in the weeds. Last bad thing is how long it takes b4 u actually can pull the maximum amount out. I feel DAVE should trust I will pay him back because dude your wired straight to my bank account. But other than that I’ve had the app for about 3 months and I’m able to get dadvances whenever I need them. And it really is a lifesaver.

Review on advance payday loan. I 1st want to Thank you for loaning me the funds I needed to get to my Cancer Doctor Appt. on Monday I was really concerned I would not be able to get the gas to do so. But have to say was disappointed when you gave me no choice but to add a tip. I would like to have that option due to the fact that maybe I couldn’t afford a tip for that advancement, not to say I wouldn’t have in the future. Something you may want to think about for future. Again Thank you for Helping in a time of need. Well this Morning I woke up to being in the red for 2 purchases that I made yesterday AFTER you had deposited the funds into my bank account. I am trying to reach out to my bank to clear Their error. I have all proof to verify when the money was deposited, and when the purchases were made. I paid extra to you to have it immediately deposited. I do not feel this is a error on your part or mine, but will get to bottom of it. This makes the 2nd time in a month that my bank has done this to me. Just wanted to make you aware of this situation if you see RED on my account.

Works great if you need a bit of extra cash before pay day. You can only borrow up to $75 but there’s no interest and no fees; you can choose to pay a tip to support the app (and help plant some trees) but it’s not required. There are other apps that let you borrow more money but the ones I’ve seen have secondary costs that I’m not willing to pay. For example if you want to use Earnin you have to let them track your location 24/7 to “verify your employment” - this is after they’ve already verified your employment by looking through your bank account for direct deposits and they wait until after you’ve already signed up to spring this requirement on you but I’m sure they’re not doing anything shady with all that data 😒 The only negative point I can think of is you can only get approved if you get paid via direct deposit so a lot of the people that need these types of loans the most won’t qualify for them; that being said I don’t know how else they would be able to verify your income while still operating on optional tips and $1/month per user 🤷‍♂️

Awful service. It seems like I continually have an issue with this app. One month everything is fine and then another there’s some bug. I’ve used it for years but there’s continually an issue verifying my identity or pay date or something when nothing has changed in my work or personal life. I submitted a ticket last week about yet again identity verification for advances (apparently being a user for years and receiving advances in the past is wasted info in their system) and got zero help just a useless Zendesk assist who claimed they’d “escalate” it. Never heard back within 24 hrs so I tried again, no help and same runaround. I opened a trouble ticket myself and emailed them on the 22nd and got a snarky “Well notify you when we have an update” on the 23rd. It’s now the one hour from being the 28th and no response. For customer service that’s abysmal. This shouldn’t be an issue to begin with yet here I am. I realize they may be busy but I’m nearing ten days without any solution or contact made other than me making it myself. That coupled with the fact Dave Banking was hacked and my personal information along with untold numbers of other people now at risk is reason enough to one star review. They clearly don’t put their customers first.

Unreliable, lack of support, and not worth it. The app is unreliable at best and doesn’t work as advertised at worst. If you’re really on a tight budget and relying on cash advances then I wouldn’t recommend this app at all. For example, they claim that advance amounts may increase or decrease based on your transaction history and bank account balances. Yet, I’ve had instances where the app has given me a $500 advance when I had nearly $0 in my account associated with Dave and other times where Dave would only spot me $125 when I had $4000 in my account associated with Dave. How could this be? Why would the advance amount go down when my spending has gone way down and available amount to pay back the cash advance has gone way up? It makes no sense. Then I’ve tried to reach out to support and get the sense that there is no actual human support team because their responses are basically just copy paste answers from their FAQ page about how the advance amounts are based off of transaction history and available amount to pay back-uh yeah no this app doesn’t work. Head over to MoneyLion for consistent and reliable advance amounts-assuming that if you are in a position where you need cash advances you’re looking for something reliable. Oh btw dave charges a membership fee too for their app that doesn’t work lol

Actually does work. Recently got my main bank account hacked which resulted in me having to wait to get my money back after the claim was finalized. I needed some cash and needed it pretty bad. Single mom of one and work full time but I'm paycheck to paycheck at the moment and what little cash I did have in my account was wiped out..which put me in a hard place. I remember trying to sign up for Dave before but my bank wasn't accepted. Fast forward to now..six months or so later and I tried again. Low amd behold it actually worked. I could only request 20 bucks but that's all I needed before I got paid the next day to get my son and I some food along with catfood. The microdeposit they do first to make sure a deposit would work took 3 days though to go thru before I was able to actually get the 20 dollars. When I did request it after getting the email stating I could request an advance, it was sent automatically into my account, which was nice. So you have to get thru a few loopholes before getting your money..it's not automatic. So all in all, it works

Was cool at first. At first it was nice lend me what I need with in 75$. Pay them back on payday give them a tip and everyone is happy. Kept me from asking loved one to spot me a 20 for essentials like gas. then the credit started going down ok I’m fine I guess I can only barrow 20$ still good for gas. But then it said I had to pay them back well before my pay day. I wasn’t paying attention and figured they always pick your payday. No they only gave me a 5 day loan. If I had money before payday I wouldn’t need you. I am lucky I have a back pay paycheck coming in or this service to keep me from over drafting would actually have over drafted me. I tipped well and even payed extra for the fast deposit (basically 3$ for a paypal transfer) they could have made a lot of money off me since I’m impulsive and get paid weird. but now what’s the point. I’ll just save 30$ in a coffee can and buy a calendar. Because The other part of the service barely works too. It doesn’t pick up on your monthly charges so you have to manually set most stuff. And the money advice isn’t helpful not worth 1$ a month

Been a little iffy lately. I started Dave I wanna say around the time I got my car because my checks were tight with payments. It could never verify my income because I have 2 pay checks coming in bi weekly so every week I have a pay check coming in from a different place. I emailed them and they fixed it but I kept having the problem until I asked if I have to email them everytime and they said probably which is no problem because they are always nice and do it in a timely fashion. They last two time have taken them over 48 hours. And this time I paid the 4.99 for express and it’s still not in my bank account. I tripled check just to make sure and nothing. I’ve emailed them and haven’t heard anything. I know this is a new company and I’ve tried giving them time cause they’ve always been so sweet. But if you’d a company saying you’ll help stop over drafts 24 to 48 hours can be the difference between a over draft fee or not. would really like for them to pick up the email times or have a number to call instead considering I have to email every time to get a advance because of the way my checks are. But other then I really like the app and have told my friends to try it too.

Is this even an online banking service?. For some reason every attempt I have made just to cash a paper check has not worked and it just feel cartoonishly ridiculous at this point with how much this app just won’t let me cash my physical paper check online. I have never had this much trouble with any other online banking app and it feels like this basic feature was just an afterthought. The first time I tried cashing in my paper check after all of this trouble waiting for it to “load” it ended up telling me that it couldn’t cash my check because my “identification has not been verified”. The real moldy cherry on top is how the actual camera part to take photos of your check with the app doesn’t even work, you heard that right. For some reason the app thinks that my camera wants to take a landscape photo even though it displays it on the screen vertically so this ends up completely disorienting the camera completely so it ends up becoming a fun little mini-game to try and “line up” the check with the border markers. The best part is how trying to rotate my phone to “fix it” doesn’t actually fix it and sending the photo ends up crashing the app. Can you even cash a paper check on this app?🙃

Just don’t bother with this app. I don’t even know where to start with this. Well for one, all of my information was leaked. Which is still causing me issues to this day. Don’t trust them with anything at all. Their customer service is honestly awful. They’re the most rude people I’ve even spoken to, and incredibly unhelpful. If you have their bank account they add an extra % to any purchase you make at a restaurant or hotel. I put $50 deposit down at a hotel, they took out $60. 30 days later and I still don’t have my money bank. I’ve contacted their support so many times and they either lie to me or just do not care about my problems. I have a charge on my account that was declined, yet their still holding on to that money. And the phone representative lied to me saying that the charge never existed. So where did my $105 go? Also if you ask to speak with a supervisor they will just lie to you and say that THERE ISNT A SINGLE SUPERVISOR WORKING THAT WHOLE DAY. Y’all need to hire some supervisors because those representatives are doing a terrible job and no one cares. I asked if they could advance me the $60 as a courtesy since I was straight lied to. And you could sense how much joy that rep got from telling me no. I cannot wait to get my money back so I can close this account. Not 1 single positive experience has come from using Dave.

Much more than I expected. I’ve tried several of the apps like Dave and I can say without a doubt it’s hands down the best app for cash advances and many other useful tools to help you navigate the financial world. Dave is a straight forward with no hidden requirements. If you sign up for Dave and meet the simple criteria that are clearly stated it makes getting a cash advance so easy a five year old could do it. Very flexible and straight forward. If you keep up your end of the repayments he rewards you with the option of a larger advance the next time. No complicated points system, no uncertainty and no constant connection problems like many of the other wanna be apps. This brings back the simpler times when you keep up your end and Dave is there to help the next time it’s needed. Can’t say enough good things about this app. It brings back a personal feel to a system in which you are just a social security number or a credit score. Highly recommend giving him a try!

Dramatic decline in customer service!. When I first started using Dave, I found it to be a great alternative to traditional banks. After the past six months, I’ going back to my old bank! First, despite having my account toggled to use outside of the USA, my debit card cannot be used when not in the USA. Second, the app keeps randomly changing my settlement dates for advances. They often make it the day before my payday, and most recently, they completely changed my pay schedule in the app. What’s frustrating is that it’s become almost impossible to get customer service! In the beginning was quite easy to be connected with someone via chat. Now, you get stuck in an endless loop with the bot. When you finally get to an option to send a message, it can take over two days to get a response, and often it’s another automated response that doesn’t address your question. I give up! Because of the issues with my settlement dates, I haven’t taken an advance in awhile and have gotten better at managing my finances so I rarely need one. If you can get a real bank account, I’d recommend that. Dave is not worth it, and rarely are you eligible for $500.

Never had a problem till now. I had this app for almost a year and it was the best until…. I got banned for no reason! I always had a routine on how I used Dave to save and pay bills on time never had a problem until one day I get on and I wasn’t able to log in. I obviously thought it was an error and waited for a little bit until something out of no where popped up “you are not allowed to return “60 days””I was in SHOCK and I immediately messaged support about it. The staff that was attending me gave me attitude and kept ending the conversation telling me “read our policy goodbye.” I literally Read it a million times to see what Did i do wrong. So I waited the 60 days like it said, tried logging in again, and yet again “the out of no where” thing I mentioned before popped up AGAIN! I decided to message support again and yet they tell me the same thing and won’t tell me what the issue is. It has now been a 4months since I quit using the app until now. I decided to give it one more shot and I tried creating a new account and all it kept telling me is that I already had an account with my phone number I tried logging in and it just kept telling me to contact support. I have officially given up on this app and decided to write a review about this. Thank you.

4 Stars for now...Updated to 5!. I read about this app yesterday and decided to install today. I also installed Earnin, but that was going to take 1-3 business days JUST to verify my info. Dave verified my info almost instantly, and after inputting my paycheck info that is set to deposit tomorrow, I selected my advance amount. I went through all the applicable screens which includes selecting a tip and confirming the transaction. I checked my bank app literally one second later AND ALREADY HAD MY ADVANCE! I’m rating the app 4 stars for now because my check deposits into my account mid-morning and I’m wondering how quickly my advance (plus expedite fee and tip) will be deducted out. Even if it creates a negative balance for a couple hours, I won’t lower my rating, but if it waits until after my check deposits then I’ll update to 5 stars! Update: I’ve used Dave several times now and it appears that the service makes sure not to overdraft you! It will wait until it can take back the total amount you borrowed, or will use more than one withdrawal if you don’t yet have the complete amount due on the day of/before your direct deposit hits.

Dave is helpful but only if you’re willing to pay about $15 extra. I like the app and really appreciate the help getting an advance on my pay check. However, I don’t understand why the “free” option is to 1) not get your advance for 3 business days and 2) not tip which is recommended. Why would anybody want an advance if they’re not going to get it for 3 business days?? Obviously you’re going to want it right away and pay $5 for that if that’s what it costs. Then they make you feel bad if you don’t tip by saying that’s how they pay their employees and keep their business running, but at the same time making you feel bad that you’re not helping pay for meals for the less fortunate…which one is it? Paying the employees and for the company or donating meals to the needy? And they say they don’t base the highest amount they will let you borrow on how much you tip but they did drop mine from $100 to $75 when I didn’t tip as much one time cuz I was super broke. I just don’t like feeling lied to or manipulated by guilt. Please just be honest 😁 but like I said: I REALLY APPRECIATE THE HELP!!!! Thanks DAVE!!!!

Sometimes it works, sometimes it lets you down. The app automatically updated my next pay date to the 3rd of July and since I was paid on the 7th I’ve had issues ever since . I have used this app to advance $50 about 4 times on the past 2 months and paid back and tipped every time . However, now I cannot get an advance because the app says it’s still looking for a missed paycheck from the 3rd of July. The app recognizes I was paid on the 7th and 21st of July but when I request funds it says missing paycheck . I have deleted and reinstalled app and tried changing the dates for main paycheck but nothing works . I’ve emailed support 4 days ago and no reply so far, they did say it was a lot of volume so I’m guessing this might be a bug for others . Update: I changed and updated main paycheck and now I’m only able to borrow $20 because income is too low, first time the app gave me this message in the 3 months I’ve been using it now . Still waiting for support. In halfway satisfied and that’s cause the app really helped me in the past, but this is the first time it let me down

Theives. Every time I borrow money from this app not only do they take the fee that I know I’m going to be charged but they also take five or 10 extra dollars and I never get that back! I have went through to the email support and the chat support my request and my questions get ignored I’m tired of money being taken out of my account that I did not authorize and I am also very tired of not being taken seriously and replied back to you about my money being taken $15 might not seem like a lot to some people but when it’s all you have and you’re unemployed $15 extra being taken out of my account that was not authorized is stealing. I’m going to remove this app from my phone and I’m also going to tell all of my friends not to use it. It’s one thing to borrow money and pay back A five dollar fee that is fine by me but it is another thing to take the money that you borrowed plus the fee plus more money that you were aware of without my permission. They even take a dollar out from time to time and they put the dollar back but whenever I have just enough money in my account for a certain bill and taking that dollar out at that time that is unknown causes me to be in the negative that bothers my credit that bothers my bank account and I don’t need any more problems with either one of those issues.

Legit and works like a charm!. I ran across many small loan apps like a payday loan without all the high interest rates and decided to go with Dave. I filled out all my information and linked my bank account which was a fast and simple process. After I got paid I decided to wait until I was 11 days from payday to tryout Dave since I was short on cash anyways. I chose the $75 wait a few days for deposit and it came into my account pretty quickly over a day I believe. After this one was paid back I took out another $75 with Dave and used the Option where you pay a fee like $4.95 or $5 to get it deposited into your account within 8 hours and guess what, it was in there almost instantaneously!! I haven’t had any glitches with this app and would like to start donating as well when I can as I am greatful for this app and his honest services offered to people who may live paycheck to paycheck or just short on cash and don’t need a lot and don’t want to be charged an arm and a leg. Thank you Dave I appreciate your service for us people in need! Will update review if needed.

Nice!. I had a bank certain account for several years and although it got the basic job done, I paid 100s in overdraft fees. It costs extra to “protect” against that. They also typically had about a 48-72 hour wait for payments. For example, payday was always Friday. Once I changed my direct deposits to Dave, I was getting paid on Wednesdays. That is a substantial amount of time for poor people living paycheck to paycheck. And we all know WHY they do it. To try and run out the clock and have greater potential to collect those overdraft fees. But seriously once I saw that I got paid that much sooner, I made Dave my primary banking. Dirched the old bank. No more paying $40 every time Netflix gets charged and I am waiting 48 hours for the bank to decide that I can have my money. The cash advance has been extremely helpful. Especially when I am broke and need gas. And now I earn interest on my checking. I feel like this is a bank for people like me, broke, and trying to keep my head above water. I have had 0 issues. Oh! And the debit card has a teddy bear on it and I think that is adorable.

It’s alright. Okay so I am big on not borrowing because like the Word says, “the borrower is the slave to the lender.” Proverbs 22:7 but I needed this and also I will be giving it back in a couple of days. So for now this is something as a try out, not for future reference. But it is cool. Just a tip for all who come across and read. Keep working, get your money and stack up. Don’t spend like all the broke people you know that go out every weekend and celebrate being broke. You youngsters out there that have on jeans that cost more than what you have in your wallet, be humble and spend less. For right now you are young and stack up. Later you don’t want to be that 30 year old struggling to learn how to save when all you have been doing is being impulsive with your money. “Do not spend more than what you make, go out less, make a meal at home which is way cheaper, also healthier, and Always thank God for the opportunity to manage the money that was given to you to deal with.” And remember how much you get paid is up to you, not the economy. There is always something better.

Dave is Amazing. When I first got this app, I assumed it was just another type of credit card app that helps build credit. But this app focuses on building habits that help build good credit as well as budgeting skills. One of the features where you can get a credit for part of your next paycheck to make by is the best form of loaning money out to users which guarantees they do not spend more credit then they can earn from payroll, this helps anyone who lives paycheck to paycheck with some extra cash that will be paid back near the next time you get paid without leaving you completely short of money on that next paycheck. The “interest rate” of using this feature is just tipping which helps the services continue and promotes portions of the tip for charities in this apps case meals. This app also promotes side hustles such as door dashing and other forms of generating income. Overall I would recommend this to anyone who is looking to get credit without needing a decent credit score.

Easy, peasy app BUT..... I don’t quite understand why one time it will take the repayment from my paycheck and another, it takes it from my husbands?? His paycheck really has nothing to do with my account so I’m not sure how it got involved. Matter a fact, my husband tried to sign up as a client but it says only one person per bank account. Yet it uses BOTH paydays for paybacks?? I don’t understand why 2 different people with 2 entirely different jobs, pay, paychecks and paydays cannot both sign up. But if not, it does t seem fair, Dave to USE both our paydays to get paid back sooner. I hope what I’m saying makes sense. If I was single, the payback would only come out of MY paycheck. But depending on when I borrow, whoever’s payday is next, it makes me agree to that date in order to move forward. In all fairness, we should be able to have our OWN separate accounts considering we both make over $50,000 a year. Ok enough with that complaint , other than that, I HIGHLY recommend this app. Of all I’ve checked, they are by far the fastest, easiest and COOLEST...I mean they save trees! How awesome is that?! Lol 😍😍😍 Thanks Dave. But let my husband set up his own acct and this app will be a PERFECT 5 stars!! 😁

Crazy Dave. So, I have used Dave for a long time. All of a sudden, the last 6 months it has taken a while to update. I usually email someone abd it eventually gets resolved like about 3-4 days later. This time, I saw that my option to get an advance was removed. I waited a week to make sure it needed to update but since it didn’t, I reached out to someone. The email basically said sorry you can’t be verified maybe cause you changed your information. Thanks for your interest but no thanks. I repeat, nothing has changed, everything is still the same. Yet, I can’t be verified when I have used Dave for a long time. I’m very disappointed. They come back saying they use a third verification party to ensure it’s accurate. I hope for their sajes they are not spending a lot of money on that third verification company. Because I can assure you, it is not accurate. Looking at other reviews I’m not the only one. It’s ok your generic response copying and pasting saying the same thing to almost everyone does not help. That’s the same thing that happens when one reaches out. We have to go through so series of generic response before we reach someone. Your service is not the same and it’s a shame but there are others out there. Good luck, “friend”.

My review of Dave... When I first downloaded the app I was quite skeptical about it. After a couple of days I decided to go ahead and see what the fuss was about. Everything seemed like it was going smoothly and I want to head and requested a small amount of money to be deposited into my account. I opted to choose the express delivery because then I would receive the money in eight hours or less. Well it has been over eight hours and almost an entire 24 hours and I still have not received the money. I am very disappointed because I paid the extra $1.99 and I do believe that if I paid for that and then I should have received the money quicker. I tried to cancel but of course it won’t let me because it says that I have a loan out. I would love to know how I have a loan out if I never received the money in the first place. I have contacted support and they have not gotten back with me yet which is understandable because I’m sure this isn’t the first time this has happened. I would love to use the Dave app and I would love for it to work the way that it says it will but for now I will no longer be using it if I do not receive the money I requested. Also if I do not receive the money and it auto takes out of my bank account I will be highly frustrated.

Advance Payback. Hey Dave. Yes I always get the advances that you send me and I highly appreciate it thank you. This morning I have my $75 advance due and this morning I went to Walgreens to put money on my Varo bank card and for some reason my card would not swipe and let me put the money on my card. I used it quite a few times so I think because I did that and it wouldn’t go through they may have put a freeze on it or hold or something I don’t know but I have the money to pay the advance back. I have a Chase account as well which I’m gonna switch and put my account on my Chase card. Is there anything I can do as far as paying back the advance today and I don’t get a negative balance? Because I wanted to take another advance out but my Varo card isn’t working. I tried to put my Chase bank on there but it said that I have to pay the advance back first before I can switch. I guess just let me know if there’s anything you can do so I don’t get a negative balance and to where I can still take out another advance. Thank you Dave.

Conned by a teddy bear!. I have reached my mid 30’s and realizing even though I have paid rent since 17, Pay all on time, I never established a reputation with creditors or given a chance, well I purchased my cars out right and never had a mortgage or loan not even ever given approval for a dept store card for ex and every app response was; insufficient credit history which is like bad credit. It’s now become so significant with car insurance rates or any apt however i was over the moon to find i was approved by a teddy bear; first $25 and paid it back before really even confirming I even got it cuz that TED said so. Last week it shot up to $75 but I was really struggling and counting on it but after weird delays even paying the fee for immediate allowance it not only never reflected in my account BUT the whole time before and after the bear confirmed sending it I was emailing for help and explain or even just make sure someone was notified since now I was owing them $80 which was then taken out of my account! But beat this, before i realized i got no money both times I even tipped as best as i can cuz i kept getting a frown for not planting let’s than 3 trees in Africa! So I lost money, paid fees and also tipped them for it with no answer!! ShADY!!!

No one ever gets back to you. This was a useful and helpful app for hard times when I needed extra cash a few days in advance. When I recently found myself in that situation again, I tried to access my account but had forgotten the password. My account is linked to an old email address and when I reached out to Dave in order to get some help on how to transfer everything to my updated email address I was sent a ticket # and told that someone would be in touch. After 4 days, I reached back out to ask what was going on and have yet to receive an answer back. This is the second time in about 3 months that I have tried to have this resolved. What awful customer service. I do notice that they have no problem reaching into my bank account though to charge me for their “service.” I better get some sort of resolution or I will be reporting them to the BBB. UPDATE **** You people think you’re slick by putting a generic response on here so it looks like you’re engaging with each complaint. Someone’s gonna reach out to me huh? When? You sent that response 3 days ago. Haven’t heard a word. I’m now reporting you to the Better Business Bureau and taking necessary action so that you can’t keep robbing me of money for a service you are no longer providing. What a bunch of crooks! STAY AWAY FROM THE DAVE APP!!!!!!!

Love Dave!. I am in a, let’s just say, credit rebuilding phase and this app has been helpful from the beginning. It’s been about 6 weeks and I am using my Dave accounts exclusively. The traditional bank my Dave accounts are linked to offer nowhere near 4% apy. I am a gig worker who takes cash outs of my pay several times a week as opposed to a regular direct deposit day. Since the app couldn’t detect a regular recurring pay date I wasn’t immediately eligible for an advance. After a few weeks I was eligible for $25, then $50, and so on. I am charged a $3 fee to instantly fund my Dave spending (checking) account or I can do a bank transfer for free which takes a couple of days. Dave is the first financial product I have used that is actually helping me and not ripping me off. I highly recommend this app to anybody in my current position though I will definitely stick with Dave after I transition to traditional work with an employer because I simply have no reason to go elsewhere. Did I mention checking and savings accounts pay 4%???!!!

Good App, just a step behind the competition.. I’m fond of this app as it’s helped me in certain situations however as I write this review I can’t help but compare it to its competitors. The backend system cannot account for split direct deposits, If you receive a split direct deposit between checking and savings account in this $800 and $900. The system will only recognize your payroll as $800 thus potentially impacting your borrowing ability. Dave also is not capable of understanding update to date balances, so if your account WAS negative even for a day and now has a balance of $500. It would take days before allowing you to borrow funds, simply because “your account is too low to bring to positive”. Finally there’s is no real time support like Earnin App, where you can chat and get questions answered immediately. I’ve sent in a ticket to Dave 8 hours ago and haven’t heard back and while one may say they need more time and one must bear personal financial responsibility, times are tough, meaning time is crucial. Positive feedback I hope you can take away from this, I love the idea and the app, however like the title says in comparison to your competitors which I do not work or have any interest in are better in terms of convenience. Thanks Guys!

One of the few who “gets it”. I don’t write a lot of reviews. So when I feel inspired to do so, it’s usually because of a strong feeling. I’ve tried several of these so-called neo banks, and I have to say between Dave and Money Lion it’s neck and neck for the best all the way around hands-down. Albert was a complete disaster. Every single minute was full of broken promises and backpedaling by support staff. They were more absentee than supportive. Cleo was a cute idea but the idea that my phone can get away with saying things to me that most people can’t get away with saying when it comes to my finances didn’t go over well with me and I deleted her within a couple of days. I’ve never felt really good about green dot or any of their brands or net spend, or any of those card alternatives that have turned into quasi-banks. And I don’t use traditional banks anymore. I drank the kool-ade and am sold completely on credit unions. I find that my OnPoint accounts + Dave makes great sense and work great together for me. Dave’s support staff has been not only helpful but responsive and engaging throughout the entire membership. I just want to say thanks for being “A - Number One on Banking Services!” and a great app to go with it. You guys complete me. :-P

card. (one star so hopefully they will help me) It was going decent until i put in my address at the beginning then without asking they automatically put in an order for a card to be placed to my house. i am in the middle of moving and don’t have access to that address anymore so i can’t get the card so i talked to Daphne in the support chat and asked her to cancel it and explained why and got 100% clear confirmation that the order would be canceled and no card would be sent. to my surprise today, i got a notification saying it will arrive in 3 days from now. so even tho it hadn’t shipped and they could have prevented it like i literally asked, they didn’t and now the people living at my old address will have a random card with my name in their mail. I was never made aware that simply putting in my address would automatically make a card be shipped, and especially after being told it wouldn’t ship i am very surprised. i would go back to the support chat for help but they are literally the ones who messed it up. please cancel the card get it shipped back or whatever please. i’m not normally a karen but this is kind of annoying and i don’t want the risk of the new house owners trying to use the card.