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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Dave's app


Through the Dave App, you can:

  • Get instant money

  • Set up direct deposits

  • Earn cash back

  • Enroll in Dave Goals and make savings

  • Find a local job through Side Hustle.

How to download the app

For iOS users

You can download the application this way:

  1. On the Dave App website, click on the iOS icon.

  2. You will be redirected to the App Store.

  3. Click Get on the Dave - Banking & Cash Advance app.

  4. Once you see the fully downloaded icon on your screen, you can open it and sign in.

Dave App is compatible with both iPhones and iPad.

Dave on App Store


For Android users

To download the app on your Android device:

  1. Click on the Android button on the Dave website.

  2. Click Install on the Dave - Banking & Cash Advance app in the Google Play store.

  3. The app will appear on your screen once it is downloaded.

Dave on Google Play


How to register an account

To register with Dave, click Join Dave. The company will ask you to provide your name, email address, password, and mobile number. Tap Join and wait for the company to contact you and verify your account. Once it's done, you can sign in through the app.

How to reset a password

If you want to change your password while signed in, click Edit profile and then hit the pencil icon next to Password. Provide your previous password and create a new one. Confirm to establish a new password.

If you've forgotten your password and want to reset it, from your login screen, click Need help logging in? and then Forgot the password. You need to provide your mobile phone number and email. Enter your SSN's last four digits and click Submit. The company will send you a six-digit code to verify your email. After that, you will get another email with the link for password change.

How to delete an account

To cancel the Dave account, if you have a Spending, Goals, or ExtraCash account, go to your profile and contact the company through the chat.

In case you only have Dave advances membership, there is an option to close the account through the app:

  1. Open your profile.

  2. Click Membership.

  3. Tap Manage Membership.

  4. Keep the prompts until you close the account.

How to delete the app

To delete the application from your phone, locate the app’s icon and hold it. Once you see it shaking, click X, so the app will be deleted from your iOS device. On Android, once you hold the icon, you will see a menu allowing you to delete the application.


Can I pay Dave through the app?

Yes, you can pay Dave through the app. You can change the payment methods through the Advance tab.

Why can't Dave verify my identity?

If there is a verification error, it means the information may be incorrect. Try to fill in the details once again. 

How do I sign up via Dave?

To sign up via the app, open the application and click Join Dave. Provide your email, create a password, and agree to the privacy policy. Fill in your name and phone number.

How long does it take Dave to verify your bank account?

Dave makes two small deposits into your bank account to confirm the connection and verify your account. It can take up to four business days.

Calculate loan payments at Dave

Dave calculator will allow you to calculate an approximate payment schedule for the loan

Dave calculator
Interest rates are given in accordance with the rates of the Dave in Washington, D.C. as of 02.10.2022
Loan amount

Specify the desired loan amount

150 $
500 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with Dave

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Dave and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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