Dave vs MoneyLion 2025:
Which Cash Advance App Wins?

Dave ExtraCash advances up to $500 with a $1/month membership. New users start at $25–$100, with limits growing based on banking history. Opening a Dave Spending account and receiving direct deposits accelerates limit increases.

MoneyLion Instacash advances up to $500 for free — no subscription required. Credit Builder Plus members ($19.99/month) can access up to $1,000. New users start lower and build up with account history and direct deposits.

MoneyLion Instacash is completely free for advances up to $500 — no subscription. Dave charges $1/month. Both charge small optional fees for instant delivery unless you use their respective debit accounts (Dave card or RoarMoney) which give free instant transfers.

MoneyLion wins for investing — it's not even close. MoneyLion includes an auto-invest feature that invests in diversified ETF portfolios with as little as $1. Dave does not offer any investing features. If building long-term wealth alongside short-term cash advances is your goal, MoneyLion is the clear choice.

Yes — many users hold accounts at both apps simultaneously. Since both advance up to $500, having both gives you access to up to $1,000 in combined advances during a tight month. Dave's $1/month cost makes it trivial to keep both active.