Dave is an awesome tool, its primary purpose is an interest free payday loan of up to $100. This feature is great, but my biggest gripe is that the app does not allow you to customize your payday(if, for example, your bank clears your paychecks faster than scheduled). EDIT: a Dave rep confirmed she was manually updating my future payback dates so my charges wouldn't occur when I hadn't received my deposit. That change was never made and I was once again embarrassed trying to make a purchase.