loan apps similar to dave
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Dave, the popular loan app, has become a game-changer in the world of personal finance. With its quick and easy loan approval process and no credit-check policy, Dave has managed to carve out its own niche in the market. However, as with any app, there are always competitors willing to give it a run for its money. In this article, we’ll explore some loan apps similar to Dave that you might want to check out.
Branch is almost the same as Dave. It offers cash advances of up to $500 with no credit check. This loan app boasts itself on its innovative technology, which enables it to make a decision on loan applications quickly. Branch is available on both iOS and Google Play, and the app’s interface is user-friendly. Additionally, Branch offers you the ability to make purchases with your phone or use one of its debit cards. When your paycheck comes in, the app can automatically pay back the loan you took out with a small fee.
Earnin is another no-interest loan app that factors in how many hours you’ve worked before giving you a cash advance up to $1000. The app has an accessible interface and automatic features like its balance shield, which lets users avoid overdraft fees when their balance dips below a certain amount. You can also request a cashout or tip your app for their services. The app’s payday loans of up to $1000 can come in handy if you need money fast, and the repayment process is easy and straightforward.
Qapital is a versatile app that offers different savings accounts for people with all kinds of financial goals, including loans. Like Dave, Qapital offers cash advances of up to $500, but it also prompts users to save so they won’t need to get loans in the future. You can customize savings goals with the app, such as a trip or buying a new car, and then contribute a portion of your paycheck to that goal. The app uses round-ups from transactions to contribute to the overall savings goal. The app charges a small fee, but it’s waived for those who have a minimum balance or are in the military.
MoneyLion is another personal finance app that offers loans of up to $1000 with no credit check. The app’s payday advances and overdraft protection loans come with higher fees than Dave and some of the other apps on this list, but the app’s unique program called the Lion’s Share gives users a small percentage of the interest earned on MoneyLion’s loans. The app also offers users the ability to track their credit score, make money transfers, and monitor their financial spending. Like Dave, MoneyLion is available on both iOS and Google Play.
Lastly, we have Possible Finance, an app that is slightly different from the other apps we have discussed thus far. The app offers small payday loans with lower interest rates than its competitors. However, the company only loans out a maximum of $500 and is available in select states which include Washington, Utah, and Ohio. With Possible Finance, users can borrow a small loan amount to pay for bills or essentials while waiting for their forthcoming paycheck. The app can aid those who find themselves in a tight spot with their finances. The payment process is also easy; the app deducts the borrowed amount from your next paycheck.
There are several loan apps similar to Dave, and each of them has its own advantages, notable features, and disadvantages. The apps listed above all have a minimum requirement for loan approvals, have an effortless payment process, and offer convenient repayment options. By using any of these apps, you can avoid late fees, cope with unexpected expenses, and avoid relying on credit cards. Whether you need cash to pay for utilities or emergencies, there’s an app suitable for you.
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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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