At a glance
- Access
- $25–$500; Dave states that few members qualify for the $500 maximum.
- Eligibility
- Eligibility and amount depend on account history, deposits, and other underwriting signals.
- Delivery
- Free ACH delivery is available; push-to-debit delivery carries an express fee.
- Repayment
- Repayment is scheduled from a linked account or Dave Checking account on the agreed date.
Cost facts
| Cost item | Current finding | Confidence | Sources |
|---|---|---|---|
| Service fee | Greater of $5 or 5% of the advance | high | [1] |
| External express delivery | 1.5% push-to-debit fee | high | [1] |
| Membership | Up to $5 per month depending on plan | high | [2] |
Potential advantages
- A free ACH delivery route is disclosed.
- Current fee documentation is publicly available.
Consumer considerations
- The service fee applies even without express delivery.
- Advertised maximum access is uncommon.
- Membership and optional tip choices can add to cost.
Regulatory record
The FTC sued Dave in 2024 over alleged misleading advance amounts, undisclosed fees, and difficult cancellation. The case is an allegation unless and until resolved by a court.