CASH ADVANCE MATH / APPS LIKE DAVE
Start with Dave's full cost, then compare 11 alternatives using the same amount, payday and delivery assumptions.
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Free delivery does not make ExtraCash a free advance. Dave charges an advance fee and membership before any optional external express charge.
Dave advertises up to $500, but few qualify for that amount. Instant delivery to Dave Checking has no delivery fee; the advance fee and membership still apply.
The example: $100 over 14 days, standard delivery, another bank, $0 tip, one advance per month and no qualifying Varo deposits.
Paid in-app memberships are allocated entirely to this one advance. Dave uses its published maximum membership charge. Total payback includes membership even when it is billed separately. The 14 days are a comparison assumption; the provider sets the actual repayment date.
The model uses general fee tables. Personal limits, state exceptions, bank support and approval still need checking. MoneyLion's free route needs MoneyLion Spend, and Current's needs a Current Account. Neither is a free transfer to your selected outside bank.
Eight alternatives have a modeled price below. Equal-cost options are displayed alphabetically. Three more apps cannot be ranked for these inputs.
No delivery fee into a Current Account, typically within 3 business days.
Requires a Current Account and an eligible payroll deposit of $200 or more. This is not a transfer to your selected outside bank. State restrictions apply.
No delivery fee if you can wait 1-2 business days.
General fee table, up to $150 per day. Fees, tips and limits differ in some states. Approval and your limit are not assured.
No delivery fee for standard ACH, usually within 3 business days. Klover+ is optional.
General fee table. Indiana, Wisconsin, Connecticut and Maryland have different terms. Points can lower delivery fees; no points discount is assumed.
No delivery fee to a MoneyLion Spend account, usually 1-2 business days.
Requires MoneyLion Spend. The July 2026 terms restrict free external delivery to people unable to open Spend; that exception is not assumed.
Plus membership, with free standard delivery in 3-4 days.
Uses the $5.99 Plus in-app route. Non-subscribers may contact customer service. Published maximums conflict; this comparison stops at $250.
Membership, with free ACH delivery in 1-3 business days.
Uses the $6.99 membership route. A no-cost route is available by email; timing is not verified. The maximum is $200. Indiana fees differ.
Membership, with free ACH delivery in about 1 business day.
Uses $8 per month after the trial. A waiver can be requested by email. Delivery to the Tilt debit card is free, generally within 1 minute. Wisconsin and Maryland fees differ.
Plus membership, with free delivery in 1-3 business days.
Uses the $8.99 Plus in-app route. A no-subscription application route is available by email; timing is not verified.
No price is assigned to these apps. Missing information and unmet requirements do not mean a $0 advance.
Not ranked. Requires Chime Checking, an activated physical card and qualifying direct deposits. Select Chime if that is your account.
Not ranked. Fee shown in app. Mandatory draw fees are unpublished, so even free delivery does not establish a free advance.
Not ranked. Requires a Varo account. Without $800 in qualifying deposits, the supplied percentage and dollar fee table conflict. Check the app; this price is not ranked.
Brigit and FloatMe document email routes without a subscription; Cleo allows a customer-service request, and Tilt allows an emailed membership-waiver request. Their response and approval timing are not verified. The ranking uses the paid in-app routes, and the calculator lists these conditional alternatives separately.
Dave is not the cheapest in the default example: its modeled cost is $10.00, while Current, EarnIn, Klover, MoneyLion Instacash each model at $0.00 with standard delivery and $0 tips. Account requirements still apply.
None of the $50, $100, $200 or $250 standard and instant scenarios shown in our Dave vs. EarnIn comparison makes Dave the lowest-cost ranked app route. Free delivery to Dave Checking removes the external express fee, but leaves its mandatory advance fee and membership.
That does not establish which app will approve you. Change the inputs in the calculator to compare your amount, speed and monthly membership allocation. An unpublished fee cannot be treated as a more expensive offer.
All 12 cash advance app profiles cover fees, repayment and account requirements. Use the full cost calculator for another amount or delivery speed.
If you need more time to repay, read about credit union Payday Alternative Loans. They use different terms and eligibility requirements.