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Author Recent Posts30 SECOND SUMMARY: We’ve tested dozens of apps that can help you quickly get extra cash, and De is currently the one that gives you access to up to $500 with some of the lowest fees of any app! ExtraCashTM in the De app can let you get up to $500 in just a few minutes2 (No joke, we’ve timed it!), while offering many features to help you manage and se your money, and even earn a few extra bucks.
With De, ExtraCash™ can help you quickly get the money you need, when you need it, and may even help you se hundreds of dollars in overdraft fees per year.
With its trustability and low costs, we can see why 2.6 million people use the De app each month. Yet, there are some things you should keep in mind before going for ExtraCash™. Read on for our full De app review.
Need up to $500? Check out De for yourself 👈
De’s Top Features
For a monthly membership fee of $3, De offers many features that make it easier to manage and access your money. While De isn’t a bank, it offers full-featured mobile banking services that make it easy to spend, se, budget, and access money right from your phone! Some of the unique financial products and features offered by De include:
ExtraCash™– De’s main feature is its ExtraCash™ account, which allows users to access up to $500 in five minutes or less with no credit check, interest, or late fees. (Read: At some of the lowest fees in the market.)
You can access your ExtraCash™ instantly with no fee when you transfer it to your De Checking account, – De’s own deposit account with no and low-cost ways to digitally move and spend money. Or, you can get your funds sent directly to your existing debit card for a small fee; or bank account at no cost. Then use them however you like, including getting cash from an ATM.De Checking account – Unlike regular deposit accounts, it allows you to earn an Annual Percentage Yield of 4.00%3, while holding deposits and making payments and transfers between accounts. This account includes a De Debit MasterCard®4 [which you can use to make purchases. You’ll receive a digital debit card as soon as you sign up, for online purchases or to access cash via transfer services like Apple Pay® or Google Pay™. You’ll also receive a physical debit card in the mail about a week or so after you create your account.
There are no minimum balance or monthly fees for a De Checking account. If you do set up direct deposit with your De Checking account, you’ll gain access to several additional features. Most notably, you can access your paycheck up to two days early.5 A De Debit MasterCard® with access to a fee-free network of over 40,000 ATMs through MoneyPass®6 Automated budgeting tools, and the ability to automatically round up purchases to the nearest dollar to set aside the difference toward your sings.De Goals account – With no minimum balance fees and an Annual Percentage Yield of 4.00%, this is a great option to deposit and keep your sings.7 8
Side Hustle – De doesn’t just allow you to se and manage your money, but also to make a few extra bucks by doing a variety of tasks, such as completing surveys, among others. According to a BankingDive report, each completed survey can pay up to $5 and can be completed in about half an hour. While this doesn’t sound like a whole lot, it could be worth giving it a shot to earn a few bucks in your free time.
Although a $3 monthly subscription fee is required to use the app and all of its features, you can access many features that could help you se much more than that in the long run.
Want up to $500 without the high fees? >>> Check out De for yourself 👈
🤓 Overdraft Apps Tip: Need a longer repayment period? Check out these alternative $500 instant loan apps instead.
What’s the Catch with the De App?
Being able to access quick and safe ExtraCash™ up to $500 with a low subscription fee, no interest or late fees sounds like a crazy good deal, especially with all those cool perks and features. But that’s not the end of the story. So, what’s the catch with De?
We genuinely believe De is, by far, one of the least costly cash apps in the market. There is no catch, per se, but before you get too excited about it, you’ll need to fully understand how the price, amounts, and waiting times of ExtraCash™ works, and we’ll explain it to you here:
How Do You Qualify for ExtraCash™?Through a safe and secure connection to your bank account via Plaid (you just need to sign in to your account), De will analyze a number of factors to determine if you’re qualified for an advance and your ExtraCash™ limit, such as your account history, activity, and erage balance. Like similar apps, De likes to see a track record of regular, recurring direct deposits, such as from a paycheck.
To qualify for ExtraCash™, you need:
At least three recurring deposits to your bank account, such as direct deposit of your paycheck. A healthy income history and spending patterns. A positive balance in your bank account. Your bank account must’ve been active for at least 60 days. Your account needs to show at least $1,000 in monthly deposits to qualify for larger advances. To be at least 18 years old.With this in mind, you should know that most users won’t be eligible for $500 or even $250 advances from the get-go. ExtraCash™can be requested as soon as you enter the app, but the chances are that you’ll need to settle for a lower amount while the app assesses your spending and paying habits with time.
De does give new customers larger erage advances than most other borrowing apps. As of February 2025, the erage approval amount for disbursed advances is $180 in the trailing six months! Furthermore, the limit is recalculated daily, so reapplying after you he made a deposit into your bank account or are closer to payday may increase your eligible amount.
Limits are based on the direct deposit and transaction history of your De accounts, as well as other undisclosed risk factors. So, if you want to get more ExtraCash™, you need to use your De accounts wisely and plentifully. Keep in mind that the limit for your ExtraCash™ can also decrease at any time.
How Much Does ExtraCash™ Cost?Out of the dozens of apps we’ve researched and tested, De is one of the lowest-cost ways to access up to $500!
On top of the $3 subscription, you might need to pay a few fees depending on how and where you intend to transfer your ExtraCash™. The ExtraCash™ has no interest, late fees, or other hidden fees, but will charge a 1.5% express fee if you wish to get it on the same day to an external debit card (likely under 5 minutes). There’s no express fee when you transfer to a De Checking Account. See full fees here.
See how much you qualify for >>> Check out De for yourself 👈
How Long Does It Take De to Deposit Money?De offers three ways to access ExtraCash™, with varying speeds and fees, depending on the size of your advance.
De Checking account (with express service) – You can access your money in less than five minutes, according to our testing, via your De MasterCard®, which you can use with Apple Pay® or Google Pay™. The fee is just 3% of the amount you’ve borrowed, with a $3 minimum.
External bank account (with express service) – In our hands-on testing, it took less than five minutes for ExtraCash™ to appear in our bank account. Here, you’ll pay a 5% fee, with a $5 minimum.
External bank or De Checking account (with no express service) – You will receive the funds in up to 3 business days, with no fee.
How is ExtraCash™ settled?Your ExtraCash™ will automatically be settled when you receive your next paycheck, so you’ll need to settle it all at once, usually in less than 14 days.
Keep in mind that De will handle the settlement of your ExtraCash™, as well as the express fees. Although this means one less thing to worry about for you, it also means that the payment will be automatic and in full. So, make sure to he the necessary funds in your account by the settlement due date.
De doesn’t charge any late fees, but if you he no funds on your De account when your payment is due, the app may charge your bank account directly, and get a partial settlement if necessary, or even get it overdrawn. In such a case, you might he to pay the corresponding overdraft fees to your bank.
So, while ExtraCash™ is undoubtedly a better alternative than regular bank overdrafts and payday loans, you should use the feature wisely. De will get back its money one way or the other, and failing to pay them in time could potentially mean hing to deal with the regular banking system again.
Say goodbye to costly payday loans >>> Check out De👈
Is De Safe?
Launched in 2017, the De money app was one of the first low-cost apps to provide a cheaper alternative to payday loans or costly bank overdraft fees typically offered by traditional banks. De has become one of the biggest competitors in the market for new financial technologies (FinTech). Although this new industry has the reputation of finding itself in a sort of regulatory limbo, De’s efforts to remain compliant and transparent he gained it the trust of over 12 million users.
De is a publicly traded company currently valued at over $2 billion. This means that they publish their quarterly financial statements and their securities are regulated by the SEC.
But, if its size and history aren’t enough to convince you that the De app is legit, its regulatory compliance should. Each account on the De app is backed by traditional banking, with an FDIC insurance of $250k, supported by Evolve Bank & Trust. In other words, if you’re wondering whether De is legit, the answer is that it couldn’t get any more legit. It is as safe as any financial service company can get.
Is subscribing to De Worth it?De pioneered free/low-cost cash apps to help consumers oid paying costly overdraft fees, which typically cost about $35 and can quickly surpass $100 a day if you don’t pay close attention to your bank balance.
Compared to those punitive fees, a $3/month subscription and perhaps a bit more for express fees and tips is certainly a bargain. And ExtraCash™ is not a costly “payday loan” – there’s no interest, late fees, or rigid repayment terms that can quickly trap you in a cycle of debt.
Thanks to its plethora of useful features and the user-friendly way in which it handles its ExtraCash™, we he no qualms about giving De our blessing with a positive review.
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KashKick is a wildly popular service that lets you earn money for playing games, completing surveys, signing up for trial offers and more. (You’ll even earn cash for just completing your profile!) You can earn cash today and withdraw your earnings through PayPal once you’ve reached $10. You can earn over $100/month with KashKick – and you don’t need to spend a dime or take out your credit card to do it.
There are dozens of high-paying offers ailable on KashKick, and if you’re into playing new games on your phone, you can earn some serious cash for doing what you love. Though offers change regularly, there are currently1 more than three dozen offers ailable where you can earn cash – sometimes over $100 – just by downloading and playing popular games like Coin Master, Monoply Go, Bingo Blitz, and more. These games are all free to download, and no in-app purchases are required to earn with KashKick.
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