Can the Dave App Keep You Warm This Winter?

Or will a loan from a cartoon bear leave a chill in your wallet?

Andy Spears
2 min readJan 20, 2023

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I really wish this wasn’t a real ad being circulated by the Dave App.

Sadly, it is.

The app known for the friendly-looking cartoon bear is suggesting that you get a cash advance to cover winter expenses like heat and coats.

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Andy Spears

Writer and policy advocate living in Nashville, TN —Public Policy Ph.D. — writes on education policy, consumer affairs, and more . . .