Dave vs EarnIn: Features, Coverage and Pricing Compared (2026)

Key Features Compared

Dave vs EarnIn at a Glance, November 2026

Feature	Dave	EarnIn
Ratings
Fintech Index score	74 / 100Higher score	73 / 100
Overview
What it is	Los Angeles, California, banking app that gives US consumers cash advances of up to $500, checking accounts, and budgeting tools, with no credit checks and no interest	Mountain View, California, earned wage access app that lets US workers take pay they have already earned before payday, with no mandatory fees and no interest
Who uses it	US consumers who run short between paychecks; 3.08 million monthly transacting members	US hourly and salaried workers with regular pay
Main products	ExtraCash advances up to $500, checking through partner banks, budgeting tools, and Dave Flex	Cash Out earned wage access, Live Pay, Early Pay, Balance Shield, and a jobs board
Where it operates	United States	United States
Products and features
Credit check	CashAI model, no credit check	No credit check
Loan size	Up to $500	Up to $200 a day and $1,000 per pay period; $1,500 with Live Pay
Funding speed	Five minutes or less	Free in one to two days; minutes for a fee
Pricing
How pricing works	5% or $5 per advance, whichever is greater; no interest or late fees	No mandatory fee; tips optional; Lightning Speed transfers from $3.99 and Early Pay $2.99
Published prices	Fee posted	Fees posted
Technology and compliance
Regulation and licensing	Publicly traded (Nasdaq: DAVE); checking through Coastal Community Bank and other partner banks	Earned wage access; state rules differ
App and platform	App with checking and budgeting	App that tracks pay itself, with no employer link
Integrations and partners	Links to the member's bank account to judge eligibility	Links to the user's bank account; no payroll integration needed
Onboarding and support	Defending a federal lawsuit, led by the Department of Justice, over how ExtraCash was marketed	Pay and employment verified in a few minutes
Company
Founded	2017	2012
Headquarters	Los Angeles, California	Mountain View, California
Ownership	Public company	Private company
Funding	Publicly traded (Nasdaq: DAVE) since January 2022, when its SPAC deal included a ~$210M private placement led by Tiger Global	~$190M in equity, including a $125M round in December 2018 from Andreessen Horowitz, DST Global, and Spark Capital
Key leader	Jason Wilk	Ram Palaniappan
Scale	Revenue of $170.8M in the June 2026 quarter, up 30%; $2.3B of ExtraCash originations	More than one million Live Pay transactions from July 2025 to March 2026

Fintech Index Scores Compared

We rate every company on eight criteria from 0 to 100, four tied to what buyers in its sector need and four shared by every company, and the rating is their average. Dave scores 74 and EarnIn scores 73.

Criterion Scores Out of 100

Key Differences Between Dave and EarnIn

Cost

Dave charges 5% or $5 per advance. EarnIn has no mandatory fee; Lightning Speed costs from $3.99.

Limits

Dave's ExtraCash goes to $500. EarnIn allows $1,000 per pay period, or $1,500 with Live Pay.

Company

Dave is publicly traded on Nasdaq. EarnIn is private and has raised ~$190M.

Pros and Cons

Who Each Is Best For

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Frequently Asked Questions