Yup . Dave sucks!! Plain and simple!! I paid an express fee since I needed the cash right away. 12 hours later still no extra cash received.So basically it is scamish since the express fee service was useless
Don’t use Dave as your primary bank. They will deactivate your account at a random time. I banked with them for 2 years without any issue, then it got deactivated with no reason given. Read the reviews, apparently this happens a lot.
Yeah I’m glad I seen this comment. And this is why I always read reviews 😅 bc i don’t know if it’s a scam or not and I was actually saying to myself like now I said “hm let me think about it “ but now seeing this I know myself I would be furious & Upset. So this has changed my mind I’m so glad i didn’t download it
This happened to me with Cash app. After 3 years they canceled my account and when I called to inquire, I was told that I violated their terms of service. B F-N S! I will never download Cash app again.
Thank you sir , I’m not understanding why a lot of people are saying you’re speaking too fast on a rewind able video that which you can control the playback speed 😂😂😂😂like how slow are they or maybe is just me but anyway kudos on the great advice, kudos on being very understanding to people who don’t understand and kudos to you replying to every one in a decent manner , hope you’re having a great day and thank you again!!
Thank you so much! I really appreciate the kind words. I do often speak too quickly in videos haha. I watch most TH-cam content on 2x speed so I'm used to the faster pace lol
Dave is a bank I have Dave and I just withdrawal cash from.the spending account card I have a spending limit of over 5 grand a day so I'd say Dave is pretty decent so far I don't have any hidden fees and I didn't have to pay the 1$ a month bc I'm using Dave as a the bank bonus to not having to have to have an on file bank sweet thanks Dave
Sure, but for most people having multiple bank accounts or switching over to use Dave's is unnecessary or plainly not worth the reward for the time invested. I'm glad you like it though!
Thank you for making this video. I strongly considered downloading Dave but you've changed my mind. My 12% raise won't kick in until next pay period (I'll make $70k) and with a family at home, expenses got out of hand with paycheck. I guess I will live with the overdraft fees once they hit.
Everyone's financial situation is different. If you think Dave is a good option to avoid these fees, by all means use it. My worry was more so people getting stuck in the traditional predatory payday loan cycle and then not improving their finances beyond that
I've used it about 8 times now. I get paid every week at work. I get advance options of $200 and up to $500. So far I've paid about $80 in fees. I just make sure that my paycheck will be able to cover it which I always know about a week in advance. Ive used it to cover bills I couldnt cover because all my bills come out in the first 2 weeks in the month. After that the next 2 paychecks are completely mine. Work is slow at the moment and will pick up in 2 months. After that I probably wont need to use Dave.
hi quick questions… you paid $80 in what fees? & when you say you used it 8 times, does that mean that you can consistently get up to $250-500 as long as your paying it back to dave?
My broke ass got qualified for $10, Just needed some cash to pay my minimum dues since getting a new job can take up to 3 weeks for your first paycheck. Realizing that I didn't need the app once my first paycheck arrived I tried to uninstall the app it didn't let me since you have to go through Customer Service via email. I guess it's kinda understandable, They want full control of your bank and wouldn't want people deleting accounts so easily.
Hey man we all have to start somewhere and it sounds like you'll be doing better with the new job! Keep at it and start building your emergency fund! Yeah my cancellation was easy from just a few clicks but they may have changed it over the past couple months
Thanks for the heads up I a college student who needs to play classes and who is irresponsible aswell aren’t well just paid plenty for a family trip and had speculations of it being sketch so just wanted to watch ur video and ofc thank you
If it works for you, more power to you! I just want people to know that there are other options available, especially those that can prevent them from needing Dave in the first place
@@Pixieglitter111 It's a loan, you have to pay it back. But they hope you don't pay it back quickly so they can hit you with excessive interest charges. Look up pay day loans, same scam
I thought he was going to tell us which app to use if not this one I must’ve missed it because I didn’t hear which cash advance app we’re supposed to use
The point was to build up healthier financial habits so that you don't have to use a cash advance app. Working toward a basic emergency fund is a great start!
Don’t sign up for this App . Once you sign up with Dave they make it hard for you to cancel your prescription even after sending information requested. I’ve been trying to cancel this app for last 30 days with no success.
It will depend on your specific situation but so long as you have consistent income history you should qualify for some money. Though I would strongly advise learning and applying the personal finance skills toward the end of the video rather than relying on payday loans
I just went on Dave they asked me to take surveys then the survey asked me about my kids I didn't like that so I was answering with different answer don't want them to know anything about my children it then told me I wasn't the person who was to be taken survey then kicked me off..why did it ask me bout my kids smh that's a no
Do you know how I could remove my checking account info on the app? I’m not tryna have them keep taking out money without me even asking money from them
It's been a long time since I was using Dave but I just needed to click a few buttons within settings to unlink my account. I would get in contact with their support if it's not clear with their options!
I am just curious to know whether this app works in GCC countries, let's say in United Arab Emirates or not, I guess it is based on the territory of America only?
It would be much better for your finances and your future to use a traditional emergency fund as a safety cushion. Budget, cut back, and put aside extra money to have 6 months of your average expenses on hand. Then you'll likely never need predatory payday loans!
@@MrGriff305-d3u For sure, but it's all about looking at the very long-term picture. Even if the market takes a dip tomorrow, investing in it today should still return a good yield 30 years from now
There should be options to do so in the app. I would google how to cancel Dave membership and go with information you find on reputable sites or the Dave website itself
Happy to make it! It was surprisingly simple: just tap through a few menus to confirm the cancellation. I didn't include it in the video since I cancelled after publishing but they actually gave me a refund after cancelling and offered three months for free if I wanted to keep the subscription
@@SwagRaptorJones how? I downloaded and it won’t let me cancel . I been googling and searching on TH-cam. I follow the steps and tells me that I need contact them to make changes and it takes me to a robot chat that later takes me to send an email which they still haven’t replied 😫
@@msquarepants1 I'm sorry to hear that! In my case it just let me tap a few buttons to cancel and that was that. Sounds like the poor customer service is another reason to avoid the app
@@SpaceFava I'm sorry I don't exactly remember since it's been a few months but I think I just went to profile/settings, cancel subscription, and then confirm cancellation. I would get in contact with their support if you have issues
If you're disputing a transaction like a credit card purchase you didn't make, you should contact your credit card provider or bank to reverse the transaction. Correcting it on Dave can wait!
I have a question, so I downloaded this app a few days ago and was asked to pay for a settlement of $25(which is something they don’t even explain). Once I paid for the $25 I was approved for $75. Will I have to pay for that $75 next week? And what is a settlement exactly?
I haven't heard about the settlement part but yes, you will need to pay the $75 back. Though the terms are usually by month, not week. The app should tell you how much you owe and when it's due
So sorry to hear that! Building a budget and habits of financial discipline and saving will ultimately be able to bail you out in the future if you can rely on your emergency fund
Tbh, the best bet would be to work something out with family or friends, but only if you can pay them back promptly. Starting the payday loan cycle is terrible for your financial future
If you think it's good and that using it justifies the membership expense, than by all means keep using it! Based on the video, there are other tools and apps, many of which are completely free, that can better solve the issue Dave is trying to fix. Budget and start saving for an emergency fund and you'll never need Dave
@@BruceDavis2301 The secured cards are much less likely to negatively impact your score so I'd stick with those but you do you man, we all have different goals and risk tolerances
Just close the screen after you get the cash advance and don’t touch anything. The tips screen comes up but I don’t touch it and when I get back to it hours later is gone
There's an option to speed up videos if needed. But waiting for payday is definitely the right option! Hope you don't get stuck on the payday loan cycle lol
It's a service that acts as an intermediary for linking a financial account to another app or service. For example, I sign in via Plaid sometimes when I pay for things with my Ally bank account
I would start by budgeting, and then saving enough money to cover how much money you NEED to spend in a month. That way you can avoid the payday loan trap. Hope things go well for you!
🤦Wow Dave is app Fraud 😳 Just like Play games for money on the apps They tell you got a have cash app or paypal 🙄 And you don't really see the money🤔 so where money going to right in there Pockets
Could be a blessing in disguise. There are better and more important ways to work on improving your finances than predatory type loans from Dave. I know things can be very tough in the short term, but you got this!
I'm sorry, I have not heard about that nor did it come up during my week of research. While I did not experience that, the point of this video is telling people not to use Dave which would thus have them avoid this potential issue
@@Gambleraddictz Luckily my bank took care of the fraudulent charges. When I looked up their address, at that time, it was an empty building in Los Angeles.
Sorry! I've gotten that a decent amount. I'm used to watching stuff on 2x speed haha but similarly you can switch to like 0.75x playback if you'd like!
Do you think I'm wrong about Dave? Let me know what I can do to make these videos better for you!
Yup . Dave sucks!! Plain and simple!! I paid an express fee since I needed the cash right away. 12 hours later still no extra cash received.So basically it is scamish since the express fee service was useless
@@nagomizik9358 Sorry to hear that! I hope your financial situation has improved since then
Don’t use Dave as your primary bank. They will deactivate your account at a random time. I banked with them for 2 years without any issue, then it got deactivated with no reason given. Read the reviews, apparently this happens a lot.
Yeah I’m glad I seen this comment. And this is why I always read reviews 😅 bc i don’t know if it’s a scam or not and I was actually saying to myself like now I said “hm let me think about it “ but now seeing this I know myself I would be furious & Upset. So this has changed my mind I’m so glad i didn’t download it
This happened to me with Cash app. After 3 years they canceled my account and when I called to inquire, I was told that I violated their terms of service. B F-N S! I will never download Cash app again.
Thank you sir , I’m not understanding why a lot of people are saying you’re speaking too fast on a rewind able video that which you can control the playback speed 😂😂😂😂like how slow are they or maybe is just me but anyway kudos on the great advice, kudos on being very understanding to people who don’t understand and kudos to you replying to every one in a decent manner , hope you’re having a great day and thank you again!!
Thank you so much! I really appreciate the kind words. I do often speak too quickly in videos haha. I watch most TH-cam content on 2x speed so I'm used to the faster pace lol
Dave is a bank I have Dave and I just withdrawal cash from.the spending account card I have a spending limit of over 5 grand a day so I'd say Dave is pretty decent so far I don't have any hidden fees and I didn't have to pay the 1$ a month bc I'm using Dave as a the bank bonus to not having to have to have an on file bank sweet thanks Dave
Sure, but for most people having multiple bank accounts or switching over to use Dave's is unnecessary or plainly not worth the reward for the time invested. I'm glad you like it though!
This was enlightening thanks for this information since I’m new to Dave I could use this information
Happy to help!
Thank you for making this video. I strongly considered downloading Dave but you've changed my mind. My 12% raise won't kick in until next pay period (I'll make $70k) and with a family at home, expenses got out of hand with paycheck. I guess I will live with the overdraft fees once they hit.
Everyone's financial situation is different. If you think Dave is a good option to avoid these fees, by all means use it. My worry was more so people getting stuck in the traditional predatory payday loan cycle and then not improving their finances beyond that
@@SwagRaptorJones Thanks for the reply. I agree. The last thing I would want is to get caught in payday loan payments.
@@Roughdog86, Agree! Agree!
I've used it about 8 times now. I get paid every week at work. I get advance options of $200 and up to $500. So far I've paid about $80 in fees. I just make sure that my paycheck will be able to cover it which I always know about a week in advance. Ive used it to cover bills I couldnt cover because all my bills come out in the first 2 weeks in the month. After that the next 2 paychecks are completely mine. Work is slow at the moment and will pick up in 2 months. After that I probably wont need to use Dave.
I'm glad it's worked out for you and I hope you can get yourself out of this predatory loan cycle soon!
thanks and i know what im doing
hi quick questions…
you paid $80 in what fees?
&
when you say you used it 8 times, does that mean that you can consistently get up to $250-500 as long as your paying it back to dave?
@@jillwulton7257 subscription fee + expedited fee(majority of the $80 she/he paid) + tips(optional)
My broke ass got qualified for $10, Just needed some cash to pay my minimum dues since getting a new job can take up to 3 weeks for your first paycheck. Realizing that I didn't need the app once my first paycheck arrived I tried to uninstall the app it didn't let me since you have to go through Customer Service via email. I guess it's kinda understandable, They want full control of your bank and wouldn't want people deleting accounts so easily.
The app is a scam. I’m just going to get a new card because I will NOT have them taking money from me “automatically” they can kiss my ass.
Hey man we all have to start somewhere and it sounds like you'll be doing better with the new job! Keep at it and start building your emergency fund! Yeah my cancellation was easy from just a few clicks but they may have changed it over the past couple months
Whoa
Thanks for the heads up I a college student who needs to play classes and who is irresponsible aswell aren’t well just paid plenty for a family trip and had speculations of it being sketch so just wanted to watch ur video and ofc thank you
Happy to do what I can! I think it's a solution for a problem that can solved in much easier and healthier ways
Dave is amazing I love it so much gets me through rough times
If it works for you, more power to you! I just want people to know that there are other options available, especially those that can prevent them from needing Dave in the first place
But don’t u have to pay it back ?
@@Pixieglitter111 It's a loan, you have to pay it back. But they hope you don't pay it back quickly so they can hit you with excessive interest charges. Look up pay day loans, same scam
How much do I have to put down to get 300 loan
I thought he was going to tell us which app to use if not this one I must’ve missed it because I didn’t hear which cash advance app we’re supposed to use
The point was to build up healthier financial habits so that you don't have to use a cash advance app. Working toward a basic emergency fund is a great start!
Don’t sign up for this App . Once you sign up with Dave they make it hard for you to cancel your prescription even after sending information requested. I’ve been trying to cancel this app for last 30 days with no success.
That's awful! And of course there are much better, simpler, and easier ways to improve your personal finances outside of Dave!
I'm glad I didn't download that app
So it was scam
Dave is the pharmacy? I’m confused
Lawsuit
Thank you for making this video. I appreciate it. This was very helpful
No problem and so happy to hear you found the video useful!
Nice content, but the constant zooming in and out made me dizzy
Me too 😂
Weak
Omg yes... not to mention letting us know he didn't need the financial assistance but, "I'll do it for you losers"🙄
What if u have no money in ur checking account will u still be able to get a loan of 250 dollars
It will depend on your specific situation but so long as you have consistent income history you should qualify for some money. Though I would strongly advise learning and applying the personal finance skills toward the end of the video rather than relying on payday loans
I just went on Dave they asked me to take surveys then the survey asked me about my kids I didn't like that so I was answering with different answer don't want them to know anything about my children it then told me I wasn't the person who was to be taken survey then kicked me off..why did it ask me bout my kids smh that's a no
True that @reahnnarville, True that!
@5:29 felt attacked lol but good point lmao
It can be super tough starting out on improving your finances but I'm just trying to let people know that there are better ways than Dave!
Do you know how I could remove my checking account info on the app? I’m not tryna have them keep taking out money without me even asking money from them
It's been a long time since I was using Dave but I just needed to click a few buttons within settings to unlink my account. I would get in contact with their support if it's not clear with their options!
Does anybody know when exactly they release your funds if they deposit 2 days ahead ?
This is the question I am looking for too! What time did yours end up depositing?
It was today around 5
@@ayycee3621 mine didn’t come until 730pm! I’m eastern standard though so idk
It’s frustrating that you can only do 200 dollars in mobile transfer every 30 days
I think it depends based on your data
So basically it’s Chime?
I'm not familiar with that one so I don't have an informed opinion on that, sorry!
@@SwagRaptorJones no I’m telling you lol it’s basically like chime sorry for the ? Mark
@@lilkloud Ah haha no worries and thanks for the info!
Good tips ❤
@@bigbadbaby7640 Thank you so much!
If you borrowed $100 how much was the fee to pay back
The repayment structure depends on your income so I can't answer accurately not knowing your situation
About $107. Usually it adds about $5 or $7 on top of what you borrowed. It starts you off with a lower amount then after a month or so it'll go up.
Great video👌🏾
Thank you!!
Nice your from Philly !! Me too
Tampa originally but I grew up here lol
I am just curious to know whether this app works in GCC countries, let's say in United Arab Emirates or not, I guess it is based on the territory of America only?
That I do not know, sorry!
You did not explain much about this app. I want to know when they want the money back and how long can I wait to pay them???
I explained a bunch, goober. It's all explained in the video lol
I can use Dave as a safety cushion ?
It would be much better for your finances and your future to use a traditional emergency fund as a safety cushion. Budget, cut back, and put aside extra money to have 6 months of your average expenses on hand. Then you'll likely never need predatory payday loans!
If I deactivated or delete my account for 60 days does that delete my card number ?
I assume no if you deactivate, and yes if you delete. I'd contact Dave's support or see if it's on their page to make sure!
Way ahead of your time with this one..I wish I invested
It's never too late!
@SwagRaptorJones It might be.. Just missed an enormous rally, so it's always a bigger gamble after that
@@MrGriff305-d3u For sure, but it's all about looking at the very long-term picture. Even if the market takes a dip tomorrow, investing in it today should still return a good yield 30 years from now
How do I cancel my membership?
There should be options to do so in the app. I would google how to cancel Dave membership and go with information you find on reputable sites or the Dave website itself
Thanks for the video, how did your cancellation process go, once you were through with the app?
Happy to make it! It was surprisingly simple: just tap through a few menus to confirm the cancellation. I didn't include it in the video since I cancelled after publishing but they actually gave me a refund after cancelling and offered three months for free if I wanted to keep the subscription
@@SwagRaptorJones how? I downloaded and it won’t let me cancel . I been googling and searching on TH-cam. I follow the steps and tells me that I need contact them to make changes and it takes me to a robot chat that later takes me to send an email which they still haven’t replied 😫
@@msquarepants1 I'm sorry to hear that! In my case it just let me tap a few buttons to cancel and that was that. Sounds like the poor customer service is another reason to avoid the app
@@SwagRaptorJones im having the same problem as she, what did you specifically do in order to cancel?
@@SpaceFava I'm sorry I don't exactly remember since it's been a few months but I think I just went to profile/settings, cancel subscription, and then confirm cancellation. I would get in contact with their support if you have issues
Hi i update the app an not working i put my pasword and the all scren stay White nothing show
Get in contact with Dave support and hopefully they can solve this issue
Im approved but didn’t cash out. Will they still take interest money out my account
I'm not sure. I'd contact Dave's support staff to get the best information!
How do you delete unwanted transactions... someone took my hard working money
If you're disputing a transaction like a credit card purchase you didn't make, you should contact your credit card provider or bank to reverse the transaction. Correcting it on Dave can wait!
It felt like you were talking too fast for me haha
My bad, lots to cover and people have bad retention spans nowadays lol
I have a question, so I downloaded this app a few days ago and was asked to pay for a settlement of $25(which is something they don’t even explain). Once I paid for the $25 I was approved for $75. Will I have to pay for that $75 next week? And what is a settlement exactly?
I haven't heard about the settlement part but yes, you will need to pay the $75 back. Though the terms are usually by month, not week. The app should tell you how much you owe and when it's due
Can somebody send me that song that they keep advertising with
you are too well spoken for the 19782397297329378297327 jump cuts
Guess I'm glad i didn't sign up for it last night, but I do need a couple hundred 😢
So sorry to hear that! Building a budget and habits of financial discipline and saving will ultimately be able to bail you out in the future if you can rely on your emergency fund
Hope you read this in time, i need a quick 500 loan. I get $1000 every 2 weeks but barely started. What is the best app or thing i can do?
Tbh, the best bet would be to work something out with family or friends, but only if you can pay them back promptly. Starting the payday loan cycle is terrible for your financial future
So basically, get rid of mine being that I just got the card?
If you think it's good and that using it justifies the membership expense, than by all means keep using it! Based on the video, there are other tools and apps, many of which are completely free, that can better solve the issue Dave is trying to fix. Budget and start saving for an emergency fund and you'll never need Dave
@@SwagRaptorJones Thanks. Just trying to boost credit score which I am also using other methods, two secured credit cards
@@BruceDavis2301 The secured cards are much less likely to negatively impact your score so I'd stick with those but you do you man, we all have different goals and risk tolerances
They want me to force a 18.00 tips
I'm sorry, I'm not entirely sure what that means
Just close the screen after you get the cash advance and don’t touch anything. The tips screen comes up but I don’t touch it and when I get back to it hours later is gone
You can set it up for any Tip you want, or not, through their App.
The bear may look friendly, but he will chew your face off.
🤣
This is exhausting 😂 nevermind I'll just wait til payday
There's an option to speed up videos if needed. But waiting for payday is definitely the right option! Hope you don't get stuck on the payday loan cycle lol
Please people don't believe everything.
They certainly don't
The constant zooming is terrible
Unfortunately this is the editing style taught to beginners nowadays since kids have no attention span anymore
G yes your cam can zoom. Jesus!
It's a digital zoom in editing haha. Sorry, I fell into the Mr Beast-ification of content like everyone else at the time lol
@@SwagRaptorJones I think it was cool. Just giving you shit bro. Keep it up.
@@DLH925 Haha cheers fam!
Wats plaid?
It's a service that acts as an intermediary for linking a financial account to another app or service. For example, I sign in via Plaid sometimes when I pay for things with my Ally bank account
The app is not good he keeps sending me into the past
I agree. I think there are much better alternatives than using Dave
@@SwagRaptorJonessuch as what please?, I just want to get some money every other Friday and pay it back so it’s like I’m being paid each week
Had to slow down the vid can’t keep up 💀
Lol lots to cover!
No way this vid had to be 10 min long
There's a lot of features on Dave. My apologies to try and cover them all!
Did it work?
It does what it says it does, but I think you shouldn't pay to use it. Instead, do some budgeting and get disciplined so you don't need the app
They’re commercial is so annoying
I used to get the ads all the time!
Thanks
My pleasure!
I need like 300
I would start by budgeting, and then saving enough money to cover how much money you NEED to spend in a month. That way you can avoid the payday loan trap. Hope things go well for you!
🤦Wow Dave is app Fraud 😳 Just like Play games for money on the apps They tell you got a have cash app or paypal 🙄 And you don't really see the money🤔 so where money going to right in there Pockets
Dave pays out, but they're profiting off of what I consider to be predatory short term loans
Seems extremely complicated lol
Payday loan cycles are very simple for the lenders, but they're extremely hard to get out of for the borrowers
I didn't even get 250 i got 50 😢
Could be a blessing in disguise. There are better and more important ways to work on improving your finances than predatory type loans from Dave. I know things can be very tough in the short term, but you got this!
Thousands of people claiming fraudulent bank charges thru Daves Inc. Do your due diligence!
I'm sorry, I have not heard about that nor did it come up during my week of research. While I did not experience that, the point of this video is telling people not to use Dave which would thus have them avoid this potential issue
Dave is definitely a scam and tried scammimg me
@@Gambleraddictz Luckily my bank took care of the fraudulent charges. When I looked up their address, at that time, it was an empty building in Los Angeles.
Speaking too fast, I'm dizzy 😵🥴
Lol my apologies
As soon as I seen this I deleted the mf
Glad to hear it and I hope you'll make more smart financial decisions in the future!
Fast talking
Sorry! I've gotten that a decent amount. I'm used to watching stuff on 2x speed haha but similarly you can switch to like 0.75x playback if you'd like!
This app is bullshit at least you don't get up 500 lie
I think it's got big issues too
Too long-winded. Just tell us if it works, lol
You have to explain the features to determine if they work. Sorry to hear about your bad attention span!
Dave is a scam
I wouldn't necessarily call it a scam, but I do believe that the business model inherently leans toward predatory practices
Its a scam.
I don't know if I'd go that far, but putting people on the payday loan cycle definitely won't help them fix their finances
Do Dave have a phone number
I don't think TH-cam would allow me to share it lol but Google "Dave app support number" and it should come right up!
@@SwagRaptorJones I have tried to call but they don't don't respond yet they said I did something fraudulent on my account
@@delisacostley2058 I'm so sorry to hear that! I'd keep trying and also send them an email about your issues
Hey Ivan what’s your instagram?
Teachingmenfashion (TMF) sponsored the app
The app or this video? Because I've definitely never had sponsors🤣
@@SwagRaptorJones the Dave app I meant to say
@@cyburntwentytwelve2455 Haha no worries! But that makes sense, young men would be a good target market