Don’t Fall for the Cartoon Bear’s Trap

The weather’s cooling off, but those triple-digit interest rates still burn

Andy Spears
2 min readSep 26, 2023



Do it.

Maybe you feel like you need some extra cash just because the season changed to fall.

Or, you’re in a car near a mountain and think: “High-interest cash would make this trip better.”

Well, you’re wrong.

You don’t need an extra cash advance from a cartoon bear.

No matter what the Dave App tells you in those friendly emails.

Dave likes to tell you it is easy to get the cash and you can avoid overdraft fees or credit card late fees.

I mean, it IS easy to get the cash.

But then, well, you have to pay it back.

Here’s a bit about that:

A story from the L.A. Times digs deeper, explaining just how bad the fees associated with friendly, cartoon bear apps can be.



Andy Spears

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