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Updated July 2026.
Verdict: Choose Dave for ExtraCash with a spending account, free instant to Dave, and a lower base membership fee ($5). Choose Brigit for tip-free Instant Cash with low-balance alerts on a Plus membership fee (~$8.99). Price a $100 draw before you subscribe to either.
Key takeaways
- Dave stacks a $5/month membership fee + 5% advance fee per ExtraCash draw.
- Brigit stacks about an $8.99/month Plus membership fee + optional express fee.
- Brigit is tip-free; Dave no longer uses tips after its FTC-related fee reset.
- Brigit is an affiliate partner on Overdraft Apps; Dave is not.
Dave vs Brigit at a glance
| Spec |  Dave |
 Brigit |
|---|---|---|
| Max advance | Up to $500 | Up to $500 |
| Typical amount | About $73 average ExtraCash (few see $500) | About $72 average (few see $500); new users often ~$50-$150 |
| Main fees | $5/mo membership fee + 5% advance fee | ~$8.99-$15.99/mo membership fee + optional express fee |
| Overdraft Apps score | 8.8 / 10 | 9.1 / 10 |
| App Store / Google Play | 4.8 / 4.6 | 4.8 / 4.8 |
| Tips | No | No |
| States | Available in all 50 states and DC | Confirm in-app |
| Best fit | ExtraCash + Dave banking | Tip-free Instant Cash + alerts |
Fee labels and ratings as of July 2026. Confirm live offers in-app.
How much can you borrow?
Both market advances up to about $500. Dave’s long-run ExtraCash average is about $73. Brigit’s public average is about $72, with new users often nearer $50-$150. Run the live offer before you pay either membership fee.
Dave: how it works
Dave
Dave ExtraCash uses a $5/month membership fee plus a 5% advance fee on every draw, with free instant to Dave Spending and nationwide availability.
Dave fits people who want banking-style ExtraCash without Brigit’s alert-focused Plus plan.
As of July 2026, Dave rates about 4.8 on the App Store and 4.6 on Google Play. Our Overdraft Apps score is 8.8 out of 10. That score blends cost, speed, how easy it is to get an advance, app-store feedback, and trust signals from public disclosures. Past tip and marketing issues from the FTC settlement are part of that trust picture.
How Dave handles payback
Many cash advance apps give you more room if you cannot pay back on time. Dave is different. Many users say Dave makes it much harder to delay or skip a payback than other apps do. Dave also removed terms language that used to call ExtraCash “non-recourse” (meaning Dave said it would not chase the money like a normal loan) and that used to say it would not send unpaid advances to outside debt collectors. Reports of Dave suing people or using collectors are still rare. If payback timing matters to you, other apps usually give more flexibility and lower risk than Dave.
Want the full product write-up? Dave ExtraCash review.
Next, here is how Brigit compares if Dave is not a fit, or if you want a different fee or banking setup.
Brigit: how it works
Brigit
Brigit Instant Cash is tip-free. Meaningful advances usually need Brigit Plus (about a $8.99/month membership fee), with an optional express fee of roughly $0.99-$3.99.
Brigit also markets low-balance alerts and credit-builder add-ons on paid tiers. Brigit settled FTC claims about deceptive marketing, so verify the live quote.
As of July 2026, Brigit rates about 4.8 on the App Store and 4.8 on Google Play. Our Overdraft Apps score is 9.1 out of 10. That score blends cost, speed, how easy it is to get an advance, app-store feedback, and trust signals from public disclosures. Past FTC marketing claims are a trust flag; confirm Plus pricing and the express fee in-app.
What $50 and $100 cost
Most people compare the speed fees they will actually pay, not the slowest free path.
| Advance size | Dave all-in (illustrative) | Brigit all-in (illustrative) |
|---|---|---|
| $50 | ~$7 total $5 membership fee + $2 advance fee (5%) |
~$8.99+ total Plus membership fee (+ ~$1-$4 express fee) |
| $100 | ~$10 total $5 membership fee + $5 advance fee (5%) |
~$8.99+ total Plus membership fee (+ ~$1-$4 express fee) |
Dave: A $50 ExtraCash advance is about $7.50 all-in in a month you borrow once ($5 membership fee + $2.50 advance fee). A $100 advance is about $10. Instant to Dave Spending has no extra delivery fee.
Brigit: One advance in a month you keep Plus is roughly the $8.99 membership fee, plus about $1-$4 if you pay an express fee. A $50 and a $100 draw often share the same month of Plus; the express fee is what changes.
Key differences
Dave wins on a lower base membership fee and free instant to Dave. Brigit wins when tip-free Instant Cash plus alerts matter more than Dave’s percentage advance fee, and your monthly Plus membership fee looks fair for how often you borrow.
App ratings and Overdraft Apps scores are useful context. Use fees, typical amounts, and eligibility fit to decide.
Choose Dave if
- You want Dave banking and free instant to Dave Spending
- You prefer $5 membership fee + clear 5% advance fee math
- You already use Dave
Choose Brigit if
- You want proactive low-balance alerts
- You prefer a tip-free Instant Cash flow
- Credit-builder add-ons on paid plans matter
- Lower base membership fee ($5)
- Free instant to Dave and simple percentage advance fee
- 5% advance fee hurts on larger draws
- Fewer monitoring-style alerts; stricter payback than many peers
- Alerts and tip-free UX
- Credit-builder lane on paid plans
- Higher monthly Plus membership fee
- Express fees still exist; past FTC marketing settlement
Bottom line
Price $100: Dave is about $10 all-in ($5 membership fee + $5 advance fee) versus Brigit Plus membership fee (~$8.99) plus any express fee. If you use alerts monthly, Brigit can justify Plus. If you only borrow rarely, Dave or EarnIn may be cheaper.
Want the full product write-up? Brigit Instant Cash review.
Want more options than Dave or Brigit?
Filter the full cash advance directory by fees, limits, and speed.
FAQ
Dave or Brigit for gig workers?
Dave is often easier for flexible deposit patterns. Brigit focuses on linked checking activity. Eligibility always depends on your accounts.
Does Brigit charge tips?
No. Brigit markets tip-free Instant Cash. Your main costs are the Plus membership fee and any express fee.
How much does a $50 or $100 advance cost on Dave vs Brigit?
Dave: A $50 ExtraCash advance is about $7.50 all-in in a month you borrow once ($5 membership fee + $2.50 advance fee). A $100 advance is about $10. Instant to Dave Spending has no extra delivery fee. Brigit: One advance in a month you keep Plus is roughly the $8.99 membership fee, plus about $1-$4 if you pay an express fee. A $50 and a $100 draw often share the same month of Plus; the express fee is what changes.
