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Best 5 Money apps like Dave for small cash advances

Dave is one of the most popular apps for paychecks advances and budgeting assistance but it is hardly the only one, there are several other apps that provide similar functionality, often with slightly different features and terms

On this page, I am going to show you some of the best cash advance apps that are great alternatives to Dave. Here are the best money apps like Dave;

Money apps like Dave

1. Albert

Albert is my top pick for the best alternative money apps like Dave. This platform allows users to borrow cash of up to $250 with no late fees, interest rates, or credit checks.

This app is an excellent choice for those in need of a quick loan to solve one or two problems. If you need cash quickly, you can get it on this platform in 2 to 3 days for free, or you can pay a small fee to get it right away.


  • Amount: up to $250
  • Fee: $0
  • Interest rate: 0%
  • Waiting period: Immediately  for a small fee, or wait for 2-3 days for free
  • Credit check: No


  • $4.99 for an instant cash advance

2. MoneyLion

This is another great banking app that also gives you the opportunity to borrow emergency cash to solve minor financial issues. To qualify for a loan on MoneyLion, you will need to have an account with MoneyLion that is at least 2 months old.

Similarly to Albert, there is no additional interest rate required before obtaining a loan from MoneyLion, and credit scores are not required. However, if you want your money right away, a “Turbo Fee” will be charged. Normally cash delivery takes up to 12 to 48 hours for a RoarMoney Account while with a regular bank account it may take up to 3 to 5 business working days.

For instant cash advances, fees can be as much as $5.99 for RoarMoney accounts while $7.99 for external cards and accounts.


  • Amount: $25 up to $250
  • Fee: $0 for standard rates
  • Waiting period: 12-48 hours
  • Credit check: No


  • Instant cash advances a “Turbo Fees” is applied.
  • There is no effect on credit scores.
  1. Earnin

Earnin is the only service on this list that allows customers to access the money they’ve earned from their work before payday. It calculates what percentage of a user’s paycheck is redeemable based on where they are in the earning cycle.

Assume a user is paid monthly and has already completed half of the month’s work. They can claim their pay before payday. However, there are some limitations. A maximum of $500 can be claimed early per pay period, with a daily redemption limit of $100.

If a user decides not to use this service, a two-day-earlier paycheck is also an option. Earnin does not charge any user fees directly, but customers can tip for services.


  • No fees
  • Two-day-early paycheck
  • Up to $500 cash advance


  • Bank fees can apply to “Lightning Speed” payments
  • Only available to U.S. citizen

4. Varo

Varo’s cash advance offering may appear weak compared to the other apps on our list. Varo provides cash advances ranging from $20 to $100, with a 30-day repayment period. Unfortunately, there is a fee of up to $5, depending on the amount of your advance, and you must have a Varo bank account that has been active for at least 30 days.

Varo, on the other hand, is one to consider if you want an app that provides full banking services as well as the option to apply for small cash advances. Varo has no monthly fees, no foreign transaction fees, and access to over 55,000 fee-free ATMs.

And, if you want to build credit, the Varo Believe Credit Card, which has no annual fee, no APR, no minimum security deposit requirement, and no credit check can help you at your own pace.


  • Two-day-early paycheck
  • Up to $100 cash advance


  • Only available to U.S. citizens
  • 5% Interest rate included

5. SoFi

SoFi Technologies is an American online personal finance company and online bank that is based in San Francisco. Because SoFi is a bank, the limits are much higher. Members can use up to $1,000 in cash advance credit per day, with a minimum cash advance of $40.

Standard fees apply to larger cash advance options. This is either $10 or 5%, and the higher of the two is charged as interest. Members of SoFi can also get their paychecks up to two days early.


  • Large cash advance payments are available
  • Two-day-early paycheck


  • Must have a SoFi credit card
  • Higher fees than most
Tech enthusiast, Content Writer, Gadget lover, Web Designer and a Chelsea fan. Passionate about all things technology. You connect with me on Facebook and Twitter


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