B9 vs Dave ExtraCash: Limits, Fees and Differences
A side-by-side of B9 Advance and Dave ExtraCash, from each company's own published pages, checked Nov 3, 2026. We don't rank them or recommend one.
Dave ExtraCash
Up to $500
and few members qualify for the top amount
B9 Advance
Up to $1,000
on Premium
Both: eligibility and limits vary by user. Terms change, so confirm in each app.
B9 vs Dave Side by Side
| B9 Advance | Dave ExtraCash | |
|---|---|---|
| Product type | Earned wage access. B9 says it isn't a consumer loan product. | An overdraft advance on an ExtraCash deposit account that you open with Dave |
| Amount | $10–$250 on Basic, up to $1,000 on Premium, per pay period | $25–$500. Dave says not all members qualify and few qualify for $500 |
| Interest and late fees | No interest | Dave says ExtraCash has no interest and no late fees. |
| Fees | No interest. Membership $9.99/month (Basic) or $19.99/month (Premium), plus an optional express fee of $1.99–$49.99 | An overdraft fee of the greater of $5 or 5% per advance, a membership of up to $5 a month, and an optional 1.5% fee for external debit card transfers |
| Speed | Free in up to 5 business days, or instant for an express fee | Dave says amounts are typically authorized within 5 minutes. |
| Credit check | No credit check | None, per Dave |
| Eligibility | A B9 Account, a plan and $100+ in payroll deposits in the last 14 days. Not offered in NV, SC, WI, MD, KS, IN | You must open an ExtraCash account and a Dave Checking account and link a bank. Not all members qualify |
| Repayment | From your next incoming deposit. B9 states it has no legal claim against you if an advance isn't repaid | Dave says ExtraCash is repayable on demand. |
Key Differences Between B9 and Dave
Limit
B9 goes up to $1,000 on Premium and $250 on Basic. Dave lists $25 to $500 and says few members qualify for the top. Both say not everyone qualifies for the maximum.
How the cost is charged
B9 charges a monthly membership and an optional express fee. Dave charges an overdraft fee on each advance plus a monthly membership of up to $5.
Account you need
B9 needs a B9 Account that receives payroll deposits. Dave needs an ExtraCash account and a Dave Checking account.
Repayment
B9 collects from your next incoming deposit. Dave says ExtraCash is repayable on demand.
What a $100 and a $250 Advance Can Cost
Calculated from each company's published fees. Membership is monthly and covers more than one advance, so these are not like-for-like totals.
| Amount | Option | Fee for this advance | Monthly membership | Optional faster transfer |
|---|---|---|---|---|
| $100 | B9, standard delivery | $0 | $9.99/month (Basic) | — |
| B9, instant delivery | $6.99–$14.99 express fee | $9.99/month (Basic) | — | |
| Dave ExtraCash | $5 overdraft fee | Up to $5/month | Optional 1.5% for an external debit card: $1.50 | |
| $250 | B9, standard delivery | $0 | $9.99/month (Basic) | — |
| B9, instant delivery | $9.99–$19.99 express fee | $9.99/month (Basic) | — | |
| Dave ExtraCash | $12.50 overdraft fee | Up to $5/month | Optional 1.5% for an external debit card: $3.75 |
B9's membership fee is waived in a month after $5,000+ in deposits the month before. Illustrations only, not a quote.
Looking for a personal loan instead?
Neither B9 nor Dave is a personal loan. If you want to request a personal loan from independent lenders instead, you can use the request form on our homepage. It is separate from both, and we can't say whether you will be offered one.
$200–$5,000 requested amount
Start My ApplicationFAQ
On paper B9 Premium goes up to $1,000 and Dave up to $500. Both say limits depend on eligibility, and Dave says few members qualify for its top amount.
B9 Advance has no interest. Dave says ExtraCash has no interest and no late fees, but charges an overdraft fee and a membership.
B9 says it doesn't run credit checks for B9 Advance. Dave says it doesn't require a credit check at any point.
They are both advances before payday, but they are structured differently. B9 describes B9 Advance as earned wage access, and Dave describes ExtraCash as an overdraft advance on an account you open with Dave.
We checked B9 and Dave's own pages on Nov 3, 2026. Terms change, so confirm in each app before you decide.
25 facts checked against B9's published documents · Nov 2–3, 2026. How we check product details
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