Dave Inc.

Item 1.01 Entry into a Material Definitive Agreement. On November 3, 2026 (the “Effective Date”), Dave Operating LLC (“Dave Operating”), a wholly-owned subsidiary of Dave Inc. (“Dave Parent”, and together with Dave Operating, or either entity individually, as the context requires, the “Company” or “Dave”), entered into the Second Amendment (the “Second Amendment”) to the Program Agreement, dated February 27, 2025, as amended by the First Amendment, dated August 4, 2025 (as so amended, the “Agreement”), with Coastal Community Bank (“Coastal”) that governs the Company’s partnership with Coastal through which eligible consumers may be offered different types of Dave-branded deposit accounts (“Deposit Accounts”) and cards (collectively “Cards,” and each a “Card”) (the Deposit Accounts and the Cards collectively, the “Program”). Pursuant to the Second Amendment, the amount of certain ExtraCash receivables associated with the Program that will be maintained on the balance sheet of Coastal was increased to up to a maximum of $325 million, with such receivables continuing to be maintained for up to 60 calendar days following their origination date and then sold to the Company. In addition, certain credit card receivables in an amount up to $25 million will be maintained on the balance sheet of Coastal for an appropriate period of time and then sold to the Company. Coastal shall retain interest in an amount equal to a variable rate based on the Fed Funds Rate plus a margin on any applicable receivables while such receivables are on Coastal’s balance sheet. The Second Amendment also updates the cash collateral account that the Company is required to fund in connection with the Program taking into account the foregoing arrangements. The Second Amendment also amends the descriptions of the Program’s accounts, features and services set forth in the Agreement to account for new product features. The foregoing description of the Second Amendment is qualified in its entirety by reference to the full text of the Second Amendment, a copy of which will be filed with the Company’s Annual Report on Form 10-K for the year ending December 31, 2026.

Item 2.02 Results of Operations and Financial Condition. On November 4, 2026, Dave Inc. issued a press release announcing its financial results for the quarter ended September 30, 2026. The press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference. The information furnished under this Item 2.02, including Exhibit 99.1, will not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, and will not be deemed incorporated by reference into any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as expressly set forth by specific reference in such a filing.