# Dave: how AI models rank it, September 2026

HR AI Recommendation Index, September 2026 Edition. Named in 15 judge labels across 1 categories by 10 of 12 models. Page: https://hr-ai-index.com/vendors/dave/

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| Earned wage access | 2% | 11 | 60% | 15 |

## What the models said for it

- "Absolute Lowest Cost | Dave / Chime | No contract, no fees, no work for HR." (Qwen 3.7 Flash, Earned wage access)

## And against it

- "Verdict: Avoid. The FTC's complaint highlights systemic deception aimed at financially vulnerable users." (DeepSeek V4 Flash, Earned wage access)
- "Courts in multiple states have ruled against several payday loan apps including Brigit, Cleo, Dave" (Claude Haiku 4.5, Earned wage access)
- "EarnIn and Dave (tip-based model) ... can trap users in cycles similar to payday loans" (Mistral Small, Earned wage access)
- "FTC action (United States v. Dave) | Deceptive practices related to tipping" (Kimi K2, Earned wage access)

## Record

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