Dave Reviews

Borrowed 25 Dollars. Next week they were only suppose to take that out. Instead my paycheck of 300 went in. They took all of my paycheck and would not give it back. They did it so. I could not write to them. Beware of these scammers.

I have used Dave for the past couple of years and have taken out and repaid several advances. My main issue is the timing of Dave’s automatic payment system. Dave attempts to withdraw the repayment in the morning, but my employment direct deposit arrives later in the evening. Because of this, I have always had to make my payment manually on the actual due date. Even though I pay it that same day, it appears as though my payment is late. Dave states that customers are not penalized for late payments and that no late fees are charged. However, I have noticed that my next advance offer is sometimes considerably lower after this happens. That certainly feels like a penalty, even when the payment was made on its due date.

I have liked the Dave app, it has been easy to use and the chat feature is very helpful. They are very responsive too, they were going to take a cash advance out before I got paid, I called and they changed it to my payday with no problem. When I get a cash advance, I do immediate cash put in my Dave account. There is a cash advance fee. But I dont think its excessive. Dave is a great emergency resource. Im not crazy about paying a monthly fee, but it is much cheaper than the other cash advance apps I looked at. It's 3.00 a month, others were much higher. One was up to 15.99 a month!

Absolutely horrible, I had made a new account then they deleted that account. Tell me that I had an account with them when I didn’t have an account with him. I’ve been trying to contact them for two weeks without hearing anything back from customer service but they’re still sending me advertisements that I have money to cash out. It is a total scam. Do not waste your time. Do not waste your energy. They’re just trying to screw you over one of the worst apps out there.

Unable to leave less than 1 star. Customer service is terrible. I made a dispute that caused my account to be locked and blocked a payroll deposit that my company has not been returned to. There is no one to speak with and the fees are outrageous. Saddens me that you could block someone from their own funds, cause irreparable damages monetarily, and still operate in modern times. AVOID AT ALL COST.

Have been using Dave for years and haven't had any issues, if I needed my payback date changed I just emailed and it was done, the only thing about cash advances is you use your next check to cover it and then you take another one and so on. Yet it is nice knowing if you need money in a pinch, it's there. The longer you use the app the higher the cash advances get (depending on your paychecks) and that's where you can get stuck. And there is a savings account to use, which you can have several if saving for a car or furniture etc. In short, I like Dave, have had no issues and will keep using it for now.

I have direct withdrawals pending for tomorrow. 4 of them! Dave took money at 1am and my fiancé's payrolls check won’t be deposited until after 3. Now I am going to get hit with 4 overdraft fees. $140.00 worth. Don’t use Dave, I borrowed the money for those bills! If I wanted to overdraft I wouldn’t have borrowed what I needed. WTF are you taking money out for before a deposit is made?!

This company is so sad. Please run. They have locked my husband account for 2 weeks now. We have kids and bills and can't never talk to anyone when you call. I have been with them for 5 years now and this is the saddest shit I haven't seen. I refer a total of 10 people, and they all have closed their account behind this, and we hired a lawyer as well for this sorry ass bank. Never would we ever deal with them again.

Don’t use them. They put my account on hold for security reasons. They won’t answer the phone nor will they email me back after I done verified my account. I have been left without my money since June 24. I'm real going thru it cause I need the money out my account. I feel this is illegal. I just wanna break down and cry.

I love the Dave app. For the tiny fee of $5 you get comfortable knowing there is emergency money in minutes and only a tiny fee if you have to use it.

I would recommend anyone considering Dave to think twice before downloading. Even if you don’t accept any of their offers and decide to close your account, you may still be charged a subscription fee. That was my experience, and it was frustrating to be billed for a service I didn’t actually use. Make sure you fully understand the terms before signing up so you don’t run into unexpected charges.

I use to like the Dave App. It got me through some rough times. Being disabled and on low income sometimes you have borrow money to get you back on track. It was so easy to use and you can set your pay date and the settlement would come out on your pay date. Now they went to this AI and messed it all up. Now my settlement date is the 1st and my pay date is the 3rd. I have .58 cents in my account. I was told because there is not $5.00 in my account that it will not try to withdraw until there is money. But I have been reading that this is a lie. People are stating that its withdrawing even if there is no money in the bank. Once I get this issue fixed I will be deleting my Dave App account and never going back. I suggest people stop using it as well.

Dave is a scam! They were good at first then they take money out of your account before due date without approval. They have left me broke with no money for groceries for myself and child. And don’t care! I am extremely angry and I can’t get any answers. I am finished! They just take your money out without approval before settlement dates! Do not use Dave! Never again.

No I can't be a customer because they refused to let me use my own phone number that I have had over 2 years. They decided to use the previous owner Bob ** to my phone number as the person asking for a cash advance. They even charged my bank account to take out membership fees using Bob ** as the person who had my bank account. It was simple to just remove Bob ** from my phone number but no they didn't want to do that.

I had a terrible experience with Dave’s app after they unexpectedly changed my direct deposit information, including both my routing and account numbers, without clear authorization. Trying to get in touch with customer support has been incredibly frustrating, as they are nearly impossible to reach when you actually need help. I’ve been left struggling to figure out how to recover my money, which has caused a lot of stress and concern. Honestly, the whole situation feels like potential bank fraud, and I strongly recommend avoiding this app because it comes across as a total scam.

They changed limits without an heads up and held my funds for longer than supposed to and doesn't really care about their customers and now because I confronted them they changed my limit to a very low amount and then wants to tell me I'm being unreasonable.

Dave has the worst customer service I've ever seen there. Are people are incompetent. Yeah Dave is a horrible app. I highly recommend not using it. It's horrible. Do not use Dave. Dave is horrible. They should be put out of business. They're horrible horrible horrible horrible. I wish I can give them a -5 points.

Dave settled my account a few days before the due date causing an overdraft. They weren’t even able to settle the whole amount because obviously my funds were limited. I contacted customer support and they were really unhelpful even blaming me for the issue. They said because I received a recent deposit from the IRS the “system“ detected it and submitted the early settlement request. Then they disconnected the conversation. I will definitely no longer be using that service.

I have never been subjected to this type of "customer service" in my entire adult life, and I do not want anyone else to have to deal with the rudeness, insults, and ineptitude. It is absolutely clear and glaringly obvious that the customer gets zero respect from Dave. I spoke with 6 agents, back to back, with no resolve AND 1 accused ME of fraud!!! I saved my transcripts. That didn't matter. I also experienced very shady guidelines and a lack of transparency. And continual upsale practices. I think cash advances are not a first resort, but don't let Dave be even a last resort. They made me feel like a total loser.

My Advance was split into two seperate advances which two seperate fees were taken from my bank. I was told it was only for new customers. 2 year customer now and you take the entire advance payment at once.😡😡😡

It I could give it a negative star I would!! Stay FAR away as cancelling your membership is pretty much impossible!! They lock your account and customer service representatives disconnect your conversation mid sentence and are of no help at all!!! The ABSOLUTE worst company I have ever dealt with. They are SCAMMERS!!!!

I opened a checking account with Dave today 1/9/26. I needed a cash advance to get my wife and I through the end of the month due to some unexpected bills. You have to link an existing bank account with Dave. They immediately wanted a deposit so I deposited $25 dollars. They want a direct deposit but being new to the app I wouldn't do that based on reviews I read. Anyway I went to the payday loan and I qualified for $25 dollars. I need a payday loan. I imagine if I had deposited $500 they would have lent me $500. Complete waste of time. If I had $500 I wouldn't have needed their services. Totally deceptive service. Don't bother with this app., It's useless.

I am very upset with Dave. You pay what you owe and they take more from you. When trying to get your back refunded back to you they say you owe it and take money again. I will not recommend this company to anyone. Please refund me my money or I will get a lawyer involved.

Dave you are great! I really needed some funds. You were my only Christmas gift besides life when I had nothing monetary! Thank you so much... I am a very satisfied user! Keep blessings and getting blessed!!

I thought Dave was a good app to get an advance from, I was wrong. I have been using them for quite some time, and they were giving me a decent advance which I always paid back, but I'm writing this review I scheduled to pay back a 600.00 advance on 12/30/25, and I paid it 2 days early, but when I went to take another advance, it was for way less than what they normally give. Customer service comes up with lame excuses on why it's less. The amount they're trying to offer is 345.00 which they give me 270.00 now and the remainder the next day. I'm done.

Dave is a horrible company to deal with. Customer service is awful. They will charge you for the membership every month and if you want to cancel you have to just through many hoops with no end. Don’t use them. I would give them 0 stars if I could.

Be careful with this one. They have access to your bank account and ability to charge it at any time, even way before your payday. I tried to stop them- but nothing works, they like rats keep eating out on any available balance that you have. You don't technically pay a fee for 2 weeks of extra cash, like they say, sometimes it's just a day, and they start charging you - for $30 fee? I've used many other similar services, this one is by far the worst - customer service just keep repeating their script, and when you try to talk to supervisor - they never available and never call back.

In the beginning it was good. I borrowed and paid it back then on the last time I had to pay they blocked my account so I couldn't settle the payment then I took the money out and added it to the Dave card. After I done that they tried taking the money out of my bank account which left me at 0.00 and a pending charge for what was owed. I filed a dispute. This is totally ridiculous.

These guys are crooks. I just downloaded the app and was charged $3 even though I did not receive any of their services. I am still trying to get my money back and they are fighting me. I had to open a fraud case against them.

I've been a customer of Dave for years and never have I experienced their deceptive practices first hand until now. On 12/3 I took an advance of $600 out with a settlement date of 12/18 (matching my biweekly pay cycle), but Dave took the money 1 week early. Yesterday 12/9 I reached out to Dave regarding this and escalated the issue. 12/10, they took out more money from my account (leaving me with $4 only) and when I spoke with them, they agreed that my usual settlements occur 2 weeks after my advance dates but still claimed I agreed to a 1 week settlement, which I didn't! They refused to fix this issue in any way and continued to gaslight me about my settlement date. They literally changed my settlement date after our contractual agreement!

DO NOT USE THIS APP! They will keep you in the hold with no way out and no money left. Straight scam artists. I use them once and I was stuck for months trying to claw out of using them. Their fees stack up so much and they make you take out the $300-$400 in multiple draws so it ends up costing $30-$40 in fees which won’t add up until the end. When I asked for assistance on a payment plan to pay in back in increments after losing my job, they took their money and told me “Not their problem and while they would like to help (which no they don’t), they don’t have a payment plan set up” even though I was told otherwise by another rep. So don’t use this app bottom line. Use ones that’ll work with you and help you. Dave just wants money and he’ll take it from the needy to get it.

I will leave 2 stars I suppose because I had been using DAVE for about 3ish years and never had any real issues. Once they took the settlement a week early because I had a temporary supplemental income that particular week. I was able to get someone in customer service who was very helpful and easy to communicate with. BUT this week a whole other story! I took out an advance last Friday. My settlement date was to be my next payday which would be 2 weeks after. Well it settled today, out of the blue. I don't know what could have triggered them to think this was a payday. So I connected to the Chat and talked with a "human agent" who simply could not/would not understand my issue. He just kept saying "I have reviewed your account and there are no errors." So frustrating!

Dave lies about how they will give you five hundred dollars. The most they ever gave me was $50. Then, they stopped giving me reviews, saying that my check wasn't big enough. They are full of **. And their customer service sucks. And they take three dollars a month, even though they don't give you any more extra cash.

Horrible company to work with. They are shady and underhanded. They say they won't put your account negative on a a payback but sit and cause you to get nsf charges anyway. When you try to get answers they give you the run around till you're lost then hang up on you.

I’ve had Dave Bank for a long time. I’m able to borrow 600 when I get paid but at this point it’s always I pay it back then take it back so I'm now locked in for 15$ a pay period. I pay them and take it back out because I need it. So it's a 15$ I pay them at this point every two weeks. I have a savings with dave bank. I usually transfer money to my checking when I need to buy something. I have never had this issue until now and now I'm rethinking this whole dave bank thing and I can't understand why they do this. I’m one to not leave money in my checking. I transfer it all to my savings and when I make a purchase I transfer it to my checking.

As with all the other reviews (which I should have read before signing up for the "service") I couldn't even give Dave one star but I had to because there is no zero Star. I started up an account I was approved for $150, which was transferred to my bank on a Thursday, but I could not access the funds due to my bank always taking a couple business days for it to clear. They then took the money back out on that Sunday, so I never had a chance to access the money and I never used any of it. But they charged me $5 saying that I did use it, and then another $7.50 overdraft charge when they took the money back out - again knowing that I never used any of it.

Been using Dave with no issues for over a year now, then all of a sudden they took loan payment and decided not to offer a new loan immediately, which left my bank account a mess. Guess you shouldn't count on payday loans.

The Dave app states in its terms and conditions that it WILL NOT withdraw a repayment if your account will be overdrawn from said action. I was assured that this was the case. Today on October 15 2025 Dave withdrew $81.12 from my bank account which was already overdrawn by around $40.00. This caused me to be over $100 in the negative which would result in overdraft fees from my banker. I reached out to support and was basically told "too bad" and they were not even apologetic about the bind they put me in. The solution they offered me was to go ahead and take ANOTHER extra cash loan from them (with $15 in fees attached) which would then be due on my next payday. The repayment date for that would have me in the exact same scenario as they still have not acknowledged my NEW pay date which is different from what they have on file.

My bank has been compromised so I can no longer use it. I asked Dave for help to revoke payments but they said no. It is illegal for them to do that. Probably why they have a lawsuit. Don't recommend.

The customer service is awful. I’ve been stuck on side of the road for going on two days now. They don’t reply to email. My account is locked. I have no Money but on my Dave’s accounts I can’t reach no live agents for help. Bad business