# Dave: how AI models rank it, November 2026

Gane Index, November 2026 Edition. Named in 12 judge labels across 2 categories by 7 of 14 models. Page: https://www.gane.ai/index/hr/vendors/dave

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| [Earned wage access](https://www.gane.ai/index/hr/rewards/earned-wage-access/index.md) | 0% | 73 | 70% | 10 |
| [Financial wellness platforms](https://www.gane.ai/index/hr/rewards/financial-wellness-platforms/index.md) | 0% | 92 | 50% | 2 |

## And against it

- "especially EarnIn, Dave, and similar apps. Consumer advocates argue that these products can function like short-term loans" (Perplexity Sonar, Earned wage access)
- "Avoid Dave, EarnIn, and MoneyLion's Instacash until their legal status resolves." (DeepSeek V4 Flash, Earned wage access)
- "avoid if possible due to dependency risks" (Grok 4.20, Earned wage access)
- "The federal government alleges hidden or inadequately disclosed fees, misleading tip prompts, and difficult-to-cancel memberships." (GPT-6 Luna, Earned wage access)

## By model

| Model | First choice | Alternative | Mention | Warning | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 0 | 0 | 0 | 0 | 0 |
| GPT-5.4 mini | 0 | 0 | 0 | 0 | 0 |
| Gemini 3.5 Flash | 0 | 0 | 1 | 1 | 2 |
| Perplexity Sonar | 0 | 0 | 1 | 1 | 2 |
| Grok 4.20 | 0 | 0 | 1 | 1 | 2 |
| Mistral Small | 0 | 0 | 0 | 0 | 0 |
| DeepSeek V4 Flash | 0 | 0 | 1 | 1 | 2 |
| Llama 4 Maverick | 0 | 0 | 0 | 0 | 0 |
| Qwen 3.7 Flash | 0 | 0 | 0 | 1 | 1 |
| Kimi K2 | 0 | 0 | 0 | 0 | 0 |
| GLM 4.7 FlashX | 0 | 0 | 0 | 0 | 0 |
| MiniMax M2.5 | 0 | 0 | 0 | 1 | 1 |
| GPT-6 Luna | 0 | 0 | 0 | 2 | 2 |
| Muse Glimmer 30B | 0 | 0 | 0 | 0 | 0 |

## Sources returned with these answers

The sites and pages cited by the answers that named Dave, from 23 of the 25 answers that named it (only the models that return a source list).

### Domains cited

- kansascityfed.org: 9
- g2.com: 8
- leadchangegroup.com: 8
- congress.gov: 7
- files.consumerfinance.gov: 7
- finder.com: 7
- ilo.org: 7
- paymentsdive.com: 7
- tax.thomsonreuters.com: 7
- aeaweb.org: 6

### Pages cited

- https://paymentsdive.com/news/earned-wage-access-federal-state-legal-regulatory-clarity/803398: 7
- https://files.consumerfinance.gov/f/documents/cfpb_earned-wage-access-advisory-opinion_2025-12.pdf: 6
- https://finder.com/cash-advance-apps/best-earned-wage-access-apps: 6
- https://settlementinsight.com/research/earned-wage-access-app-complaints: 6
- https://aeaweb.org/conference/2026/program/paper/d3E2EQTt: 5
- https://ilo.org/sites/default/files/2026-06/Earned-wage-access%20-%20Final.pdf: 5
- https://tax.thomsonreuters.com/news/as-ewa-grows-five-questions-can-help-employers-avoid-costly-surprises: 5
- https://congress.gov/crs_external_products/IF/HTML/IF12727.html: 4

## In its own words

What Dave's own pages state, read 2026-09-28. Stated by the vendor, not checked by the index.

- Positioning: best mobile financial app (https://dave.com/)
- For: millions of people (https://dave.com/)
- Price stated: Up to $5 monthly membership fee for ExtraCash, Income Opportunity Services, and Financial Management Services. Optional 1.5% fee for external debit card transfers. (https://dave.com/)

## What it publishes

Every page dave.com exposes, read 2026-09-29: 137 addresses. By kind, pages and the last 90 days:

- blog: 13 pages, 0 in the last 90 days, latest undated
- webinar or virtual event: 1 pages, 0 in the last 90 days, latest undated
- report or ebook: 1 pages, 0 in the last 90 days, latest undated
- glossary or explainer: 1 pages, 0 in the last 90 days, latest undated
- news or press: 36 pages, 0 in the last 90 days, latest undated

## Record

- Method: https://www.gane.ai/index/hr/methodology
- License: CC BY 4.0. Cite as Gane Index, November 2026 Edition, www.gane.ai/index/hr.