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![MMoney642 Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1856832756896153600.png) Mindset for Money, CPA [@MMoney642](/creator/twitter/MMoney642) on x 13.1K followers
Created: 2025-07-17 19:15:04 UTC

4/ $DAVE | Dave Inc.

Dave is actively rethinking how small dollar credit loans work.

Instead of relying on credit scores like traditional banks, they use AI to review real time income and spending behaviors of lendee's.

This not only reduces fixed overhead costs, but it also results in faster approvals and ultimately better underwriting.

As this model scales, it could change the lending industry. Below shows the difference in cost to the consumer, and their 12.5M members love it.

![](https://pbs.twimg.com/media/GwFMTEQWsAMVCwK.png)

XXXXXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1945925236945203354/c:line.svg)

**Related Topics**
[lending](/topic/lending)
[mergers and acquisitions](/topic/mergers-and-acquisitions)
[faster](/topic/faster)
[coins ai](/topic/coins-ai)
[credit scores](/topic/credit-scores)
[money](/topic/money)
[mindset](/topic/mindset)
[$dave](/topic/$dave)

[Post Link](https://x.com/MMoney642/status/1945925236945203354)