Apps like Dave, measured against Dave
Dave charges up to $5 a month plus a 5% fee ($5 minimum) on every advance, so $100 costs $10.00 whether you take it instantly or wait: 261% APR over 14 days. On published terms, 6 similar apps cost less for the same $100 delivered instantly, and 7 cost more. 5 of the cheaper ones need no membership at all.
Fees and terms checked · Not financial advice
Cheaper or dearer than Dave, for the same $100
| App | $100 instant | vs Dave | If you wait | Max |
|---|---|---|---|---|
| Albert Instant Advanceno membership | $0.000% | −$10.00 | $0.00 | $1000.00 |
| Chime MyPayno membership | $3.0078% | −$7.00 | $0.00 | $1000.00 |
| EarnIn Cash Outno membership | $5.99156% | −$4.01 | $0.00 | $1000.00 |
| MoneyLion Instacashno membership | $7.50196% | −$2.50 | $0.00 | $1000.00 |
| Tilt Cash Advance (formerly Empower)membership $8.00/mo | $8.00209% | −$2.00 | $8.00 | $500.00 |
| Klover Balance Advanceno membership | $9.49247% | −$0.51 | $0.00 | $750.00 |
| Grid Cash Advancemembership $10.00/mo | $12.99339% | +$2.99 | $10.00 | $200.00 |
| FloatMe Floatmembership $6.99/mo | $14.49378% | +$4.49 | $6.99 | $200.00 |
| Brigit Instant Cashmembership $8.99/mo | $14.98391% | +$4.98 | $8.99 | $500.00 |
| Possible Advancemembership $15.00/mo | $15.00391% | +$5.00 | $15.00 | $300.00 |
| Varo Advanceno membership | $20.00521% | +$10.00 | — | $1000.00 |
| Cleo Cash Advancemembership $5.99/mo | $20.98547% | +$10.98 | $5.99 | $500.00 |
| B9 Advancemembership $9.99/mo | $24.98651% | +$14.98 | $9.99 | $1000.00 |
Not comparable from published terms: Beem, Credit Genie, Current, Gerald, Vola. Reasons on each app’s page.
What people look for in an app like Dave
No credit check
Dave says it never checks credit. So do almost all the alternatives: see each app’s wording.
A bigger limit
Dave’s maximum is $500, and Dave itself says few members qualify for it. Albert, Chime, EarnIn, MoneyLion, Klover, Varo, B9 publish higher maximums, with the same caveat: the top figure is for the most established users. A larger limit you don’t qualify for is worth nothing; the cost of the amount you actually get is what matters.
A bank account built in
Dave sends advances to Dave Checking instantly for free. Apps that work the same way, with their own account, include Chime (MyPay), Varo, Current, Albert and MoneyLion (Spend). Apps that send money to the bank you already have include EarnIn, Brigit, Klover, FloatMe and Grid.
Lower cost when you don’t need it instantly
Dave’s fee applies even to the free standard transfer, so it never costs $0. Apps without a membership or a per-advance fee are free if you wait: see free cash advance apps.
Questions
What apps are like Dave?
Apps that advance small amounts before payday and take them back from your next deposit: Albert, Chime, EarnIn, MoneyLion, Tilt, Klover and others in the table. They differ mainly in how they charge: Dave uses a membership plus a 5% fee; others use instant-delivery fees, tips, or a membership alone.
Which app is cheaper than Dave?
For $100 delivered instantly and repaid in 14 days, Dave costs $10.00 (261% APR) on its published terms. 6 apps cost less, led by Albert Instant Advance ($0.00), Chime MyPay ($3.00), EarnIn Cash Out ($5.99).
Is there an app like Dave with no monthly fee?
Yes: Albert, Chime, EarnIn, MoneyLion, Klover need no membership and cost less than Dave for $100 instantly.
Which apps lend more than Dave’s $500?
On their published maximums: Albert ($1000.00), Chime ($1000.00), EarnIn ($1000.00), MoneyLion ($1000.00), Klover ($750.00), Varo ($1000.00), B9 ($1000.00). Maximums are for the most eligible users; most people start far lower.
Sources for this page
- Dave ExtraCash: Dave membership (1 month) — Dave’s published price, checked 2026-11-08
- Dave ExtraCash: Overdraft fee (5%, min $5) — Dave’s published price, checked 2026-11-08
- Albert Instant Advance: Membership — Albert’s published price, checked 2026-11-08
- Chime MyPay: Membership — Chime’s published price, checked 2026-11-08
- Chime MyPay: Instant Advance fee (3%, $2–$5) — Chime’s published price, checked 2026-11-08
- EarnIn Cash Out: Membership — EarnIn’s published price, checked 2026-11-08
- EarnIn Cash Out: Lightning Speed fee — EarnIn’s published price, checked 2026-11-08
- MoneyLion Instacash: Membership — MoneyLion’s published price, checked 2026-11-08
- MoneyLion Instacash: Turbo to MoneyLion Spend (7.5%) — MoneyLion’s published price, checked 2026-11-08
- Tilt Cash Advance (formerly Empower): Tilt subscription (1 month) — Tilt’s published price, checked 2026-11-08
- Tilt Cash Advance (formerly Empower): Instant to a Tilt debit card — Tilt’s published price, checked 2026-11-08
- Klover Balance Advance: Membership — Klover’s published price, checked 2026-11-08
- Klover Balance Advance: Express fee — Klover’s published price, checked 2026-11-08
- Grid Cash Advance: Grid+ (1 month) — Grid’s published price, checked 2026-11-08
- Grid Cash Advance: Expedited payment fee — Grid’s published price, checked 2026-11-08
- FloatMe Float: FloatMe membership (1 month) — FloatMe’s published price, checked 2026-11-08
- Brigit Instant Cash: Brigit Plus (1 month) — Brigit’s published price, checked 2026-11-08
- Brigit Instant Cash: Express fee (Plus) — Brigit’s published price, checked 2026-11-08
- Possible Advance: Possible Membership (1 month) — Possible’s published price, checked 2026-11-08
- Varo Advance: Membership — Varo’s published price, checked 2026-11-08
- Varo Advance: Advance fee (without $800 deposits to Varo) — Varo’s published price, checked 2026-11-08
- Cleo Cash Advance: Cleo Plus (1 month) — Cleo’s published price, checked 2026-11-08
- B9 Advance: B9 Basic (1 month) — B9’s published price, checked 2026-11-08
How costs are calculated, what is left out and how to send a correction: methodology.
Cite this page
Best Cash Advance Apps. "Apps Like Dave: Cash Advance Apps Compared on Cost." Updated November 8, 2026. https://bestcashadvanceapps.com/apps-like-dave/