Klover Cash Advance App: 2025 Review

Klover is best for small expenses between paychecks

If your bank account is running low on funds and you need help covering groceries, gas or an upcoming utility bill before your next paycheck, a Klover cash advance may help bridge the gap. The advances are free if you can wait three business days for funding. Otherwise, you can pay a small fee and the funds will be deposited within minutes of linking to your bank account on the Klover app.

There are no interest charges, making it a much cheaper option than payday loans, and you don't have to worry about your credit score since Klover doesn't check credit. If you have a regular paycheck direct deposited into your account, chances are pretty good that you'll be eligible for up to $200.

Fees and penalties

To use Klover's cash advance app, you'll need to subscribe and pay a monthly $3.99 fee. The fees to access your funds instantly range between $1.99 and $19.99 — the higher the advance, the higher the express fee. The express fees are automatically deducted when the advance is repaid from your bank account on your next payday. 

Where Klover stands out

• No credit check required: Your credit score isn't considered when determining the amount you're eligible for.
• Immediate access to funds for a fee: If you're in a pinch, you can get your funds within minutes if you pay the applicable express fee, which can be as much as $19.99.
• Earning points may help reduce fees: Klover partners with a variety of companies that allow you to earn points for using their products and services. The points can be used toward fees or to get a higher cash advance amount. 

Where Klover falls short

• High fees: The express fees are more expensive than those offered by other cash advance companies.
• Must prove consistent pay through bank account: If your bank account doesn't show a paycheck on regular direct deposit, you may not qualify for an advance.
• Low maximum amount: Klover's $200 maximum is lower than what's offered by other cash advance apps.

Klover customer experience

Klover provides customer service through its online chat function Monday through Friday from 9:30 a.m. to 5:30 p.m. CT. Customers can also use the “Help” button on the app for assistance 24 hours a day, excluding weekends.

Email assistance is also available weekdays around the clock, with some limited access on the weekends. The Klover app earns a 4.7 rating on the App Store. Users seem happy with the simplicity of the app, although some express frustration with not being approved for the maximum amount.

How this app compares

Klover vs EarnIn

Klover offers a higher maximum daily cash advance of $200, compared to EarnIn's $150 daily limit. Klover users may also earn points toward fees or higher advance limits, which is not something offered on the EarnIn app.

But EarnIn offers a much higher total advance amount of $750, giving users access to more cash between paychecks. The express advance fee is also capped at $5.99 with EarnIn — less than half what you'll pay for borrowing the maximum at Klover. 

Klover vs Brigit

Klover's $200 limit gives you a little extra cash compared to Brigit's cap of $190. You'll also pay $9.99 per month to access Brigit advances, compared to Klover's $3.99 subscription fee. 

Brigit provides more flexibility for payment extension as long as you request it by 3 p.m. ET the day before the payment is due. If you need funds fast, you'll pay a lower express fee of $0.99 to $3.99, much cheaper than Klover's $19.99 cap. 

Do you qualify for the Klover Cash Advance app?

Klover analyzes your payroll deposits through your bank account to determine how much you qualify for. There is no credit check. 

Your account must show three consistent direct deposits from your employer to qualify for a Klover advance. That means if you have just started a new job, you'll need to wait about six weeks to be eligible. 

How Bankrate rates Klover