Are you in urgent need of money and looking for alternative lending options? Dave is a popular online platform that offers cash advances up to $100. While Dave seems to be a perfect solution, it is not suitable for everyone. Fortunately, there are several loans similar to Dave that could help you resolve your financial crisis. We’ve curated a list of the best options for you!
Earnin is an app that lets you cash out your paycheck before payday. This app is free to download and use and doesn’t charge any interest or fees. You can withdraw up to $100 per day or up to $500 per pay period. To use this app, you must have a consistent income, a checking account, and direct deposit set up. The app integrates with major banks, including Chase, Wells Fargo, Bank of America, and more.
Brigit is a financial wellness app that allows you to access a paycheck advance of up to $250. This app also has a monthly subscription fee of $9.99, but there are no interest or late fees for a paycheck advance. Brigit also provides features like budget tracking and account monitoring. The app is available for both iOS and Android, and you can link multiple bank accounts.
MoneyLion is an all-in-one finance app that offers various services, including personal loans, credit monitoring, and financial advice. This app provides an option for an instant cash advance of up to $250 with a monthly subscription fee of $19.99. However, the app also offers other perks, including a zero percent APR credit builder loan, automated savings, and an investment account with no minimum balance requirements.
Affirm is a popular loan provider that offers personal loans, point-of-sale financing, and a credit card. Personal loans from Affirm range from $1,000 to $50,000 with repayment terms of three, six, 12, 18, 24, or 36 months. The interest rate is fixed and ranges from 10 to 30 percent. Affirm performs a soft credit check, which won’t affect your credit score.
MoneyKey is an online lender that offers payday loans, installment loans, and lines of credit. Payday loans from MoneyKey range from $200 to $1,000 with repayment terms of up to 30 days. Installment loans range from $200 to $2,600 with repayment terms of up to 18 months. MoneyKey also provides same-day funding and allows you to repay the loan early without any prepayment penalties.
When you’re in urgent need of cash, it can be challenging to choose the best lending option. Loans like Dave provide an excellent solution in the short term, but they may not be ideal for everyone. We’ve shared a list of five loans similar to Dave that offer similar features and allow you to access quick cash without hefty fees and interest rates.
Remember, it’s crucial to read the terms and conditions of each lending option thoroughly. Understand the interest rates, fees, and repayment terms before borrowing. Don’t borrow more than you can afford to repay and avoid taking out multiple loans at the same time. With the right information and smart borrowing habits, you can choose the best loan for your needs and get back on track financially.
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We do not make any loans or credit decisions. Our lenders may perform credit checks to determine your credit worthiness, credit standing and/or credit capacity. Credit checks may be performed with the 3 reporting credit bureaus: Experian, Equifax, and Trans Union. By submitting your request you agree to allow our lenders to verify your personal information and check your credit. Please be aware that missing a payment or making a late payment can negatively impact your credit score.
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APR DisclosureYour lender will provide you with the terms and fees of your loan, APR, repayment terms and costs prior to the execution of your loan documents. APRs and repayment terms provided by lenders may vary depending on specific criteria. Representative APRs range from 5.99% to 35.99%. Loans repayment period: minimum 61 Days, maximum 72 months APR is based on the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. APRs may be regulated by state and local laws. As we do not have access to the terms of your loan, so only lenders can provide you with information about your loan terms and rates, renewal policy and the implications of non-payment and late payment.
| Loan Amount | $1,000 | $2,000 | $5,000 | $10,000 |
| Interest Rate | 24% | 19% | 13% | 8% |
| Loan Term | 12 Months | 24 Months | 48 Months | 60 Months |
| Fee | 3% | 5% | 8% | 10% |
| Fee Cost | $30 | $100 | $400 | $1,000 |
| Repayment | $94.56 | $100.82 | $131.67 | $202.28 |
| APR | 29.82% | 24.12% | 18.23% | 9.20% |
| Total Payments | $1,134.72 | $2,419.68 | $6,320.12 | $12,136.80 |
| Total Costs | $164.72 | $519.68 | $1,720.12 | $3,136.80 |
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