Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Is it worth paying for

Dave

65
Value score / 100 Worth paying? Depends It depends

Dave can be a helpful tool for quick cash advances in emergencies, but users should be cautious of inconsistent limits, hidden fees, and customer service issues that can lead to financial complications.

Free to download seen up to $800 4.8★ lifetime (857,458) since 2017

Dave offers quick cash advances and can be a lifesaver for unexpected expenses, with many users appreciating its ease of use and reliability for short-term financial gaps. However, frequent complaints about fluctuating advance limits, unexpected fees, and poor customer support suggest a mixed value proposition, especially for those who rely on it regularly.

Free vs paid

The reviews indicate that Dave primarily functions as a cash advance service, with users accessing funds when needed R2R3R4R10. While the app itself is free to download, there are complaints about a hidden monthly membership fee of $1 R126 and various fees associated with cash advances, such as a $5 charge per draw R13 or high fees for fast transfers R216. Some users also report undisclosed fees R186 and being charged more than expected for repayments R24. The core service of getting an advance appears to be the main 'paid' aspect, with some users praising the affordability of these fees while others find them excessive R1R13R216.

Value complaints

  • High and unnecessary fees, including a $5 charge per draw and high fees for fast transfers.R1R13R216
  • Undisclosed or hidden fees, such as a $1 monthly membership fee charged without user awareness.R126R186
  • Deceptive practices, including ads for free cash that don't exist and being charged more than the stated amount.R24R33R97R195
  • Inconsistent advance limits that frequently decrease, even with timely repayments.R9R68R71R116
  • Automated withdrawals that can lead to overdrafts or negative balances, often taken at inconvenient times like 12:01 AM.R51R52R73R84
  • Poor customer service and difficulty resolving issues, including account access problems and unauthorized changes.R42R48R51R63

Where it delivers

  • Provides quick and easy access to cash advances for emergencies and unexpected situations.R2R3R4R7
  • Repayment process is generally quick, simple, and flexible, with options for minor extensions.R2R10R16R19
  • User interface is clean, easy to use, and provides a good experience for many.R5R6R8R15
  • Fees are considered minimal and affordable by some users compared to other lending options.R16R22R28R38
  • Helps bridge the gap between paychecks and avoid falling behind on bills.R16R58R60
Worth paying if

It is worth paying for Dave if you need quick, short-term cash advances for emergencies and are confident in your ability to repay promptly, as many users find it a reliable safety net R10. It can be beneficial if you understand and accept the potential fees and are comfortable with the app's automated repayment system R2R16.

Skip / stay free if

Skip Dave if you are looking for consistent advance limits, as many users report their approved amounts frequently drop without explanation R9R68R71R116. You should also skip if you are concerned about hidden fees, deceptive practices, or poor customer service, which are common complaints R1R13R24R33. Additionally, if you cannot manage automated withdrawals that might overdraft your account, it's best to avoid Dave R51R52R73R84.

Evidence note: The reviews provide a strong contrast between users who find Dave a 'lifesaver' for emergencies and those who experience significant issues with fees, inconsistent limits, and customer service. The high lifetime rating seems to reflect the positive experiences, but recent negative reviews highlight critical problems that impact value.

Frequently asked

What are the common complaints about Dave?
Common complaints about Dave include high and undisclosed fees R1R13R126R186, inconsistent cash advance limits that often decrease R9R68R71R116, automated withdrawals that can lead to overdrafts R51R52R73R84, and poor customer service R42R48R51R63.
Is Dave reliable for cash advances?
Many users find Dave reliable for quick cash advances when needed, praising its ease of use and ability to help in emergencies R2R3R4R10. However, some users report issues with inconsistent eligibility and limits, making it unreliable for consistent access to funds R9R68R71.
Does Dave have hidden fees?
Yes, several users report hidden fees, including a $1 monthly membership fee that was charged without their notice for years R126 and undisclosed fees for cash advances R186. Some also mention being charged more than the amount they owed R24 or facing higher fees than other apps for advances R1R13R216.

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. [R1] 2/5 · US High fees: I’ve used Dave for years but they are using tricks to have you come out of pocket with unnecessary fees. There are a lot out there that have better terms.
  2. [R13] 1/5 · US Over charge: Dave is great for getting money on the fly, but there are tons of other apps that do it better. Dave may increase your borrow limit but charges 5 bucks for each a draw and Dave won’t let you draw all at once. Other apps do just that and charge way less.
  3. [R216] 1/5 · US Fees are way too high.: Highest fees out of everyone for advances, and that’s not even counting fast transfer. Other platforms only charge a fee upon transfer to your bank account, the flat fees from Dave are digusting.
  4. [R126] 1/5 · US Hidden membership fee.: They charged me 1 dollar membership a month for 2 years without me noticing. 😂
  5. [R186] 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
  6. [R24] 5/5 · US Scammer: This application is a scam they deducted more money than they had to discount me I owed 101 and they deducted 136 and in the statement of my card I only put 101 and the card was overdrawn and they never justified the payment that is to say they discount it as 101 when it really is much more money and so they scammed me please do not ask for loans with this lender who is a scammer
  7. [R33] 1/5 · US Deceptive: No one likes to be tricked Dave. Don’t send out ads for free cash amounts if it doesn’t exist. Thanks.
  8. [R97] 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
  9. [R195] 1/5 · US Scam: Scam and misleading
  10. [R9] 2/5 · US Dave: It’s good but it really scams sometimes when you get 700$ one week then the following week you get 300$ it sucks
  11. [R68] 1/5 · US WTH Dave?: I was up to $140 in cash advance and it randomly dropped me to $50? Why tf? Thought you was loyal man..
  12. [R71] 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.
  13. [R116] 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...
  14. [R51] 1/5 · US Not worth it: Honestly, don’t even waste your time getting this app. It goes based off of when you’re gonna get paid next and obviously people don’t get paid at 12 o’clock in the morning and they try to pull out the money more than once throughout the day whether you get it or not, the “customer service” they have is bs you’re better going to the Bridget app never once had a problem with them tryi
  15. [R52] 1/5 · US Bank accounts: Don’t like how they take the money out even if you don’t have enough in your account
  16. [R73] 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
  17. [R84] 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
  18. [R42] 1/5 · US What a joke.: They somehow changed my routing number and bank info at my JOB! thus my paycheck went to them! I’ve been freaking out for hours. Called customer service and they told me pretty much “too bad, we can’t cover the transfer fee”. Pos excuse. How did they even change where I get paid? This has never happened to me before with an app. INSANE!
  19. [R48] 1/5 · US Cannot reimburse: Dave took over $460 from my account leaving me at $0 balance because they adjusted my pay date without my consent and refuse to reimburse me.
  20. [R63] 1/5 · US Trash customer support: Ai chat bot literally is more helpful than the humans they assign to help. Just use cashapp
  21. [R2] 5/5 · US Love Dave!: Dave has helped me multiple times! Dave learned my payday patterns and makes my payday the due date. Just verify before you submit. Dave will accommodate if you need a minor extension as well. Super easy and will use in the future again if needed!
  22. [R3] 5/5 · US Dave: This app has been really helpful in hard times. Forever thankful for Dave’s services.
  23. [R4] 5/5 · US Great option: Great option when you’re in a very tight spot 75 off the rip and as long as you keep paying it back, it keeps increasing
  24. [R7] 5/5 · US Overly Great app!: Comes in clutch when it’s Game time
  25. [R10] 5/5 · US Extremely convenient!: I love using Dave when I’m short on cash for necessities. This app has been such a life saver! Dave makes it easy to access your cash advance and the repayment process is quick and simple.
  26. [R16] 5/5 · US great option for me be: being on a fixed income with no room for things that come up unexpectedly Dave has been an invaluable tool I used to not have enough money for groceries at the end of the month but the flexibility of getting funds from Dave has ended that worry it’s easy to use and fast and since i know exactly when it will be repaid i can plan I recommend for anyone that’s finding things a
  27. [R19] 5/5 · US Great: This is a great company, repayment is very reasonable
  28. [R5] 5/5 · US App: Great app
  29. [R6] 5/5 · US Massive help: Clean UI, easy to use, and extremely helpful.
  30. [R8] 5/5 · US Ms.. PassingCloud: I love this app..😃✨it’s easy to use and they are always there when you need them 👍
  31. [R15] 5/5 · US Dave Review: Dave ( associates ), you Guys are the Best , easy to Use . QA,Always available , easy to negotiate. God Bless and Merry Christmas.
  32. [R22] 5/5 · US Best one out there.: Quick easy and not much in fees. Comes in clutch when you need it most.
  33. [R28] 5/5 · US This is great.: I find that I was able to borrow more money than other lenders. The fees are fair and it has helped me with bills so much. You just pay back your next paycheck.
  34. [R38] 5/5 · US Grateful: I’m grateful for an opportunity when funds are most needed! Dave is always on time ! At a reasonable interest rate!
  35. [R58] 5/5 · US Helping hand: I’ve used Dave many times, and it’s been a huge help. Most weeks, my paycheck is already spoken for by the time I get paid, so Dave helps me bridge the gap until my next check. It’s kept me from falling behind on bills and even from having to pick up a second job just to make ends meet. The app is easy to use, the advances are quick, and it’s been a reliable financial safety net when
  36. [R60] 5/5 · US Able to breath: This app has been a breath for me. It really has helped me keep my head above water and I do love that by the time I wake up I'm able to reborrow the money. I can't wait until the day I don't have to borrow anymore but until that day come, Thank you Dave!

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