The Dave ExtraCash Advance is a fintech account from Dave ExtraCash Advance. The annual fee is $5 monthly membership fee for ExtraCash, Income Opportunity Services, and Financial Management Services.. The ongoing APR is None (no interest or late fees). Rewards: Cash advances $25-$500 via ExtraCash. No interest, no late fees. Automatic repayment on next paycheck. Express transfer fees for faster funds.. Typical credit limit: $500 - $500. Funding speed: 5 minutes or less. Loan terms: ExtraCash is repayable on demand.. Uses income & bank account data for eligibility. Does not help build credit. $1/month subscription required. Express transfer has additional fee.