Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
The verdict on

Dave

60
User verdict / 100 High confidence Divided

Dave is a popular cash advance app that provides quick access to funds with low fees, but many recent users report inconsistent advance limits, issues with repayment scheduling, and poor customer service.

4.8★ lifetime (856,091) Free to download since 2017 by Dave, Inc updated 0.0 mo ago recent negative 16% 120 reviews across 1 regions
Advance Limits Reliability & Speed Repayment Scheduling Customer Service & Access Fees & Charges
5★187
4★13
3★9
2★8
1★33
recent reviews across 1 regions, vs the 4.8★ lifetime average

Dave is a financial app offering cash advances and banking services, often praised for its speed and ease of use when users need extra funds. However, recent reviews highlight significant frustrations with fluctuating advance amounts, rigid repayment schedules, and difficulties with customer support and account access.

What users like

  • Provides quick and easy cash advances when neededR2R4R6R8
  • Generally has low fees compared to other options, including a $3 monthly membership feeR6R14R47R58
  • Can help avoid overdraft fees from traditional banksR81

What users complain about

  • Advance amounts are inconsistent and frequently lowered, even for users with good repayment historyR1R17R21R46
  • Repayment dates are rigid and often misaligned with actual pay schedules, leading to overdrafts or early withdrawalsR3R14R24R42
  • Customer service is frequently reported as unresponsive, unhelpful, or difficult to contactR13R71R75R99
  • Users experience app crashes, account lockouts, and difficulty accessing their accountsR22R80R99R147
  • Hidden fees, particularly the $3 monthly membership fee, are sometimes charged without clear user awarenessR13R56R116R202
  • Concerns about being trapped in a repayment cycle or predatory practicesR40R63R69R162
  • Issues with direct deposit requirements and limitations, including rejected large depositsR83R171

Latest update · v4.5.1

What the developer says changed (the verdict above weighs this against what reviewers report):

Bears love nature and that usually includes bugs. Not me though. I can’t stand them. So this release, I tracked a few down and kicked them out. We’re constantly updating the app to improve your experience and create the features you’re looking for. Remember to update the app to ensure you’re using the latest version. As always, if you run into any issues, please visit https://support.dave.com/

Recurring themes

Advance Limits negative
Many users report that their approved cash advance amounts frequently decrease, even after consistent and early repayments. This inconsistency is frustrating, especially when users expect higher limits based on their financial history with the app.R1R17R21R46
Repayment Scheduling negative
A common complaint is that Dave automatically debits repayments at 12:01 AM on the settlement date, often before the user's paycheck has cleared, leading to overdrafts. Users also express frustration that they cannot easily change repayment dates to align with their actual pay cycles.R3R14R24R42
Customer Service & Access negative
Numerous reviews criticize Dave's customer service for being unhelpful, slow, or difficult to reach. Users report being locked out of their accounts for extended periods, having trouble reconnecting banks, and not receiving assistance for billing or account closure issues.R13R22R71R75
Fees & Charges mixed
While many users appreciate the low fees compared to traditional banks, some are surprised by a recurring $3 monthly membership fee they claim was undisclosed or difficult to cancel. There are also complaints about multiple fees for splitting advances or being charged after canceling the service.R13R27R47R56
Reliability & Speed positive
Many users consistently praise Dave for being a reliable and trustworthy service that provides fast access to funds when they are in a financial pinch. It is frequently described as a 'life saver' for unexpected expenses.R2R4R6R8

Who it's for

Dave is for individuals who occasionally need small cash advances to cover expenses until their next payday and appreciate a quick, easy process R4R6. It can be particularly helpful for those looking to avoid high overdraft fees from traditional banks R81. It is not for users who require consistent, high advance limits, need flexible repayment dates, or expect responsive customer support for account issues R1R3R13.

Evidence note: The recent reviews skew more negative than the lifetime rating, focusing on issues like inconsistent advance limits and poor customer service. While many positive reviews praise the app's core function, the negative points are strongly supported by multiple recent users across various issues.

Frequently asked

How much does Dave cost?
Dave charges a $3 monthly membership fee, which some users report being unaware of or having difficulty canceling R13R56R202. There may also be additional fees for instant transfers or if advances are split R27.
Can I change my repayment date?
No, many users report that Dave does not allow changing repayment dates, which are automatically set based on detected pay cycles R3R14. This can lead to issues if the repayment is debited before your paycheck clears R24R42.
Why did my cash advance limit decrease?
Many users report that their cash advance limits frequently decrease, even after consistent and early repayments, with no clear explanation from the app R1R46R48R100.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R2] 5/5 · US Dave: Love using Dave whenever I’m tight on money and can always pay it back early
  2. [R4] 5/5 · US Reliable: Very easy to use, very easy to pay back. Very reliable and trustworthy service. Always saving my behind when I need it. Thankful for their help.
  3. [R6] 5/5 · US The best friend you need !: I love this app!! No bombarding me with notifications. Money is fast! Very cheap fees. Always dependable.
  4. [R8] 5/5 · US Great App!: Needed a few bucks til next payday. Dave came through. Highly recommend!!!!
  5. [R14] 2/5 · US Recommend, slightly: The app is easy to use, fast deposits, and has a cheap monthly fee. However, whats frustrating me at the moment is I can’t update my pay schedule because you all use software that “detect” pay cycles. I get my paycheck deposited at 9pm PST Thursdays so the app has my settlement date set to Thursday. This causes an issue because it will debit whatever money I have in my account
  6. [R47] 5/5 · US Real Deal: This is the only money app that I truly trust and the only one that I will use. There’s a three dollar monthly charge, which is not a big deal at all especially for peace of mind that it is not a scam. And a small percentage fee that they call an overdraft fee, which is also no big deal because they have to make their money too. I have nothing but good things to say about this app and
  7. [R58] 5/5 · US BEST APP EVER: The fact it lets you borrow money quick and easy with the smallest of fees is so helpful. Couldn’t recommend a better app!
  8. [R81] 5/5 · US Great service: I would recommend this to anyone! Saving $35 overdraft fees is great when you live on a fixed income. If you haven’t looked at their services I think you should!
  9. [R1] 1/5 · US Horrible app: You get approved for one amount and then by the next time your getting approved for a way lower amount even if you paid early. Have never experienced something like this. Horrible app. Because I didn’t work a week I got low balled. You are allowed to take vacations in life! Also the app doesn’t correctly get your information.
  10. [R17] 2/5 · US Said I wasn’t eligible after I paid back when I needed it most: It wouldn’t let me borrow after I paid back again
  11. [R21] 1/5 · US Low offers: I make over 200k a year and their algorithm will not put me at $500…dumb and insulting
  12. [R46] 1/5 · US Less money: I pay you like clockwork every two weeks yet the amount I qualify for never goes up or is reduced. Stop this...
  13. [R3] 1/5 · US Please use any other Cash Advance app: Who is being paid to rate this app over 1-2 stars? This has to be the worst cash advance app ever. You can’t change your repayment date. I get paid on Thursday afternoons, I didn’t want to app to recognize I got paid on Thursdays and try to take the repayment at 12:01AM. AI bot says “Dave automatically attempts to take a smaller partial amount if the full amo
  14. [R24] 5/5 · US Gima: I love Dave. Always saves me. The only thing I don’t like is that settles in 7 days instead of your payday. So it can overdraw your account.
  15. [R42] 3/5 · US It’s ok but..: Just beware whether you have money in your account or not they will not wait for your check at the bank. They usually take it out at 12:01 AM on the day your check is supposed to be in the bank, my account is now in the negative until my check goes in..
  16. [R13] 1/5 · US terrible app: I tried contacting support but the process is taking forever and they keep asking for info they already have. However i unsubscribed from Dave and I’m still getting $3 charges and can’t get in contact to get into my account as I no longer have access to that email or number I used for the account. I’m tired of getting $3 taken from my bank account when I don’t even benefit from the a
  17. [R71] 1/5 · US Trash: The only good thing is you have a chance to get a decent amount of money from this app. Everything else is trash, they’re inconsistent with settlement dates, how much they’ll let you borrow, and customer service is no help at all. Causes more problems than they claim to fix.
  18. [R75] 5/5 · US Lost Password: Do not use this app their customer service is trash. They lock you out of your account and you can’t get help or get back in.
  19. [R99] 1/5 · US Ridiculous: The app worked ok at first. Then my bank was disconnected by them and I was told to reconnect it, no big deal. However, it is proving impossible to reconnect it and no one has a remedy for the connection issue. I deleted my account after trying everything on my end and Dave support doing nothing on theirs.
  20. [R22] 3/5 · US Problem with app: There is some kind of problem with this app. Every time I use it it locks me out for days and it hasn’t just happened once it’s happened every single time I’ve used the app I get locked out for a couple of days.
  21. [R80] 1/5 · US Horrible system: First off the app crashes at least twice a week to where you can’t access it for a whole day. And then they just said that they sent 50 bucks to my bank and that I owe them for it, though it never got it and now the app is crashed so I can’t do anything about it other than cancel my card.
  22. [R147] 1/5 · US Not a fan of DAVES customer service…: I have been going back and forth with multiple reps in a single day to regain access to my DAVE account. I have been completely locked out of the app for going on 11 days. This was not my error this time I’d be the first to admit if it were me however someone in the backend office of GOOD OL DAVE SUSPENDED MY CARD AFTER 1 single payment not even a purchase. A
  23. [R56] 1/5 · US Hidden membership fee.: They charged me 1 dollar membership a month for 2 years without me noticing. 😂
  24. [R116] 1/5 · US horrible app: I had this app quite a few years ago and I can definitely say this is the worst financial app ever. They make you pay undisclosed fees in order to get your cash advance and the FTC back in 2024 sued them for it. Not to mention if you are subscribe to this app, it's very difficult to cancel it I myself had to send a cease and desist letter in order for them to remove my information f
  25. [R202] 1/5 · US Dave’s fees: The app seemed interesting and I had some unexpected expenses come up so I thought I’d try it out. I took my bank account down to almost 0 to pay a bill, then the day after I got the $50 from Dave a three dollar charge came through from them. They said it was in the terms and conditions, which pretty much nobody reads. They said they would credit me for it, but it would take a few d
  26. [R40] 3/5 · US Like the service but your unwanted texts suck: Super annoying when you get a push notification and two text messages unsolicited within an hour or two at 8-10am. I work mids to late nights and even though I would be paid up you guys come knocking at the door like jehovahs witnesses spamming me even though I won’t engage with the notification or the texts. Kind of predatory and unthoughtful
  27. [R63] 1/5 · US Scam: I would highly recommend people to stay clear of this app. They will make multiple transaction pulls if your short on funds causes you to go into a negative and they will continue doing it daily which then adds up to way more than is owed. STAY AWAY!!!
  28. [R69] 3/5 · US Handy but stuck in a loop/cycle.: Dave comes really in handy when you’re low on cash. But be cautious, you can get stuck in a cycle of repayment. Try not to take more than you can handle or you’ll regret it. 😅🙃🥲
  29. [R162] 1/5 · US evil company: they will trap you in a. ever ending cycle if you are poor only use this as a real last resort this company also doesn’t care about your financial wellbeing at all they will pull from your bank and throw you into the negative in a heartbeat
  30. [R83] 1/5 · US Beware: Not FDIC. My husband and I each have an account. My husband received a lump sum from Social Security and Dave rejected the deposit and did not even notify him that it happened. They don’t allow deposits over 25k, even from the government. The worst part is that they don’t even notify you. We are both closing our accounts and warning others.
  31. [R171] 1/5 · US Stop lying: Bunch of liars you don’t get anything unless you do direct deposit that’s what they don’t tell you
  32. [R27] 1/5 · US This app is trash: They will tell you what your approved amount is but you can only get half of it upfront and the other half after. This will cause 2 different fees. They are scamming people
  33. [R48] 2/5 · US Thanks but no thanks: I been using for months and I got up to 500 to borrow and paid back every month no problem and now it went back down to 100.00. Great service I am uninstalling after this last payment.
  34. [R100] 3/5 · US Good app but…..: This app is good for getting money fast and it isn’t terribly expensive when paying back. BUT the major gripes about this app are the u can go from qualifying for 400 to 500 once and after paying the advance you drop down to 200 for the next advance. And the second gripe is you pay back the advance early and if you take another advance right then you pay back in the very same

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store