# Dave: how AI models rank it, October 2026

Finance AI Recommendation Index, October 2026 Edition. Named in 3 judge labels across 2 categories by 3 of 14 models. Page: https://finance-ai-index.com/vendors/dave/

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| Business bill pay | 0% | 93 | 100% | 2 |
| Cash application | 0% | 80 | 100% | 1 |

## And against it

- "BBB reviews flag unauthorized fees, autopay problems, and scam-like charges." (Grok 4.1 Fast, Business bill pay)
- "Avoid: Predatory "Cash Advance" Apps (e.g., Dave, Earnin, Brigit)" (Gemini 3.5 Flash, Cash application)
- "BBB profile shows "1,072 total complaints in the last 3 years."" (Muse Glimmer 30B, Business bill pay)

## Movement since September 2026

Floor: 10 points of share, measured on the calibration repeat. A larger change is movement; a smaller one is noise.

- Business bill pay: 0% to 0%, ±0. New · not ranked in September 2026 · rank 93 of 98.
- Cash application: 0% to 0%, ±0. Inside the floor by 10 points · rank 72 → 80 of 83.

## Record

- Method: https://finance-ai-index.com/methodology/
- Raw judge labels and full responses: https://finance-ai-index.com/data/
- License: CC BY 4.0. Cite as Finance AI Recommendation Index, October 2026 Edition, finance-ai-index.com.