To be up front they do actually pay for doing them, sometimes. I understand the typical halfway through one of your answers flags it and you’re not qualified but now I’ve had several times where I’ll finish a survey in it’s entirety and I’ll be thanked and redirected to where I’m supposed to get the reward like usual but then out of nowhere instead of taking me to that page it’ll then suddenly give the “looks like you’re not who this was for, take 2¢ for your trouble” like dude I just wasted 25 min and completed the entire survey under the guise of however much then to be rug pulled saying an answer flagged it after all the questions are already over and all that’s left is “thank you for your participation, your reward is waiting on the next window, iclick here if not redirected in 5 seconds” or some variant there of, just to then instead get hit with the 2¢ sorry for wasting your time message. Like I’d even understand if I was 98% done and it happened, but after it was already completed entirely with no flags until I’m supposed to get paid? Really? A slightly more minor version would be the surveys are constantly bugging out where it’ll freeze and not let you progress after getting most of the way thru and the only button you can press is the forfeit reward or to kill the app. Seems not a single other part of the app has issues freezing or loading or anything, only the surveys.

I found Dave via Facebook and read a lot of comments from people making fun of the service, making it sound like people who need it don’t manage their money very well. I was curious to see what it was about and why others feel the need to make fun of people who use it, so I downloaded the app (not expecting to use it, but to just see what it was). As circumstances presented themselves, being a single mom with zero help from the other parent, and trying to provide for my kids (I work full time and go to school full time so I can put myself in a better place, but until then things are pretty tight) - I found myself facing an overdrawn check fee (I wrote a check to register my daughter for school and had something else clear my checking account that wasn’t supposed to go through, which means I didn’t have enough funds for the check I wrote). I remembered I’d installed the Dave app a couple of weeks ago and within a few minutes, I was approved for a small loan and because I paid the extra $4.99 expedite fee, the money was deposited into my bank account within the hour. Dave only charges a $1.00 fee to loan you the money plus any tip you’re willing to donate, but is not required. When your paycheck is due to deposit, Dave takes the loan and fee back out of your bank account and that’s all there is to it! It’s very easy and painless and definitely worth the $1.00 fee to not have to pay an overdraft/insufficient funds fee to your bank.

Dave has been really helpful these past few months. We hit a bad financial snag and without Dave, I don’t know where we would be. Payment through debit card is fast and easy, however the bank payment is soooooo slow! I made an inquiry to my bank about a charge from Roku, (something we don’t have), and the rep I talked to immediately shut off my card for fraud even though I never requested it. That was just devastating because I now had to access to my bank account. The day of my advance settlement for Dave was the same day my new card arrived. By the time I activated my new card and set it in the Dave app to pay, it had started the process of going through my bank. It has been 4 days, the money is taken out of account and my advance payment STILL isn’t settled!! When I talked to customer service, I was told it was my bank holding it up, but I explained the money was taken from my bank and the app shows that Dave has indeed received the payment but my account still isn’t settled. I’m really hoping this changes soon! The same day my bank shut my card off, my car broke down, I can’t get it fixed because I don’t have the money. So lesson learned!! Do not talk to my bank at all when I have a Dave settlement coming up because it takes a week or more for the stupid thing to settle even though they have the money.