Pumpkin Spiced Debt

Need a loan for your latte?

Andy Spears
2 min readNov 6, 2023
Email solicitation from the Dave App

You know what no one ever orders with their coffee?


But the brilliant marketers over at the Dave App are seriously hoping that you crave coffee so much you’re willing to go into debt to buy some.


With an Extra Cash advance.

From Dave. The App with the cartoon bear that loves to gamble.

If you’d like to pay for three or four coffees and only enjoy one of them, well, a loan from Dave might make sense.

Otherwise, you don’t need any pumpkin-spiced debt.

No, pumpkin spice will NOT make those loan repayments any more palatable.

So, if you think you might need a loan for your next coffee order, try making your coffee at home — and save yourself the trouble of become a debtor to a coffee-bearing bear.


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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 . . .