The Super Bowl of Debt

The Dave App can help you “win”

Andy Spears
2 min readFeb 8, 2024
Email from the Dave App

Want to impress your friends on Super Bowl Sunday?

It is, after all, the most important holiday in the American calendar.

Everything must stop for this recognition of the sports mecca (this time in Las Vegas).

There should be plenty of food.

And alcohol.

And all of that costs money.

You may not have a couple hundred bucks to throw a party for a few friends.

So, well, just borrow it.

From a cartoon bear (the Dave App’s oh-so-friendly mascot).

Sure, when you wake up Monday and call in sick, you might also remember you needed a loan to throw a Super Bowl party.

And that might make you vomit.

But at least you will have proven yourself a devout follower of Americanism.

Here’s the deal with Dave. It all seems so easy. And fun.

The reality is a bit more grim.

A story from the L.A. Times explains:

Given that the money had to be repaid in 12 days, the $5.99 fee and $2 tip, if considered as interest, cost Goad 122% on an annual percentage rate basis — a metric that helps compare the



Andy Spears

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