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5 apps like Klover

Get access to the money you've already earned with one of these secure options.

Klover is relatively new to the pay advance app space. And while it’s got some good features — like an optional membership fee — the overall lack of due date flexibility combined with a potentially high fee for instant advances mean you may want to look elsewhere.

  1. For flexible repayment: Brigit
  2. For free instant advances: B9
  3. For low monthly membership fee: Dave
  4. For no fees: Earnin
  5. For a full banking experience: MoneyLion

For flexible repayment: Brigit

Brigit

Brigit is one of the top pay advance apps on the market. While its monthly membership fee is on the higher end — expect to pay $9.99 — there are no tips or other fees.

And with the option to extend your due date, you can make sure you're paying back your advance when it fits your budget. Klover doesn't offer this, so Brigit is definitely a great alternative if you have more variable pay dates.

  • Available in all states
Pros
  • No interest or late fees
  • Automatically protects against overdrafts
  • Due date extensions available
Cons
  • Monthly membership fee on the higher end
  • Customer support only through email
Loan amountUp to $250
Interest rate typeFixed
Loan TermVaries
Turnaround time1 to 3 days or same-day in some circumstances

For free instant advances: B9

B9 pay advance app

B9 is one of the few pay advance apps that allows people to get 100% of their paycheck. And while it has a higher membership fee than Klover's optional membership, there's no fee for same-day turnaround. With Klover, you'd pay up to $14.98 for that privilege.

However, you'll need to receive regular deposits into a B9 checking account. And additional features are limited, which makes B9 a little less competitive than other pay advance apps that offer more tools.

  • Available in all states
Pros
  • Advances for full paycheck available
  • Nonresidents may qualify
  • Monthly membership fee just $4.99
Cons
  • Must have a B9 checking account
  • Limited additional features
Loan amountUp to 100% of your paycheck
Interest rate typeFixed
Loan TermNot Stated
Turnaround timeInstant

For low monthly membership fee: Dave

Dave

Dave has the lowest membership fee of any pay advance app, although Klover still has it beat with an optional monthly membership. But even still, Dave is a good option if you only need $100. And since its instant delivery fee is cheaper than Klover, you may save money overall if Klover pins you with an instant delivery fee on the higher end.
  • Available in all states
Pros
  • $1 monthly membership fee
  • Instant delivery fee lower than Klover
Cons
  • Low maximum advance of $100
  • Due date may not match your pay date
Loan amountUp to $500
Interest rate typeFixed
Loan TermVaries
Turnaround timeSame business day to 3 business days

For no fees: Earnin

Earnin

Earnin is one of the only apps that doesn't charge a membership fee or a fee per advance. In fact, tipping is optional — so if you can't afford it, you don't have to worry about paying extra for access to the money you've already earned.

The major caveat is that eligibility for Earnin is based on your employer. So if you don't work for the right company, you may not be able to access its fee-free features.

  • Available in all states
Pros
  • No membership or advance fees
  • No requirement to tip
Cons
  • Must work for an eligible employer
  • Weekly schedule or location services required to use app
Loan amountUp to $500
Interest rate typeFixed
Loan TermVaries
Turnaround time2 to 3 days, or instant with Lightning Speed

For a full banking experience: MoneyLion

MoneyLion Instacash advances

You don't need to have or use a MoneyLion checking account to access its advances, but you do need to pay a hefty membership fee. But MoneyLion does have flexible due dates — up to five days with no late fees — and quite a few additional financial tools like credit builder loans.
  • Available in: Alabama, Arizona, California, Delaware, Florida, Idaho, Illinois, Kansas, Louisiana, Maryland, Michigan, Mississippi, Missouri, New Mexico, North Dakota, Oklahoma, South Carolina, South Dakota, Texas, Utah, Washington, Wisconsin, Wyoming
Pros
  • No additional fees for an advance
  • Multiple additional financial services
  • Instant delivery fee lower than Klover
Cons
  • High membership fee of $29 a month
  • Large advances limited to MoneyLion checking accounts
Loan amount$25 - $250
Interest rate typeFixed
Loan TermVaries
Turnaround time3 to 5 business days to external checking account, 12 to 48 hours to RoarMoney account

Klover has its benefits, though

The apps highlighted here are great, but don’t discount Klover if you haven’t tried it. It’s one of the few apps that doesn’t require membership to get an advance on your paycheck, and you can even earn a little bit extra if you want to submit personal information or watch ads.

That said, same-day turnaround is pricey through Klover. So if you want a fast advance, one of these alternatives will suit you better.

Pros

  • Free ways to increase advance amount
  • Clear privacy policy
  • Monthly membership is optional
  • Positive customer reviews

Cons

  • Same-day funding fee up to $14.98
  • Inflexible repayment options

Avoid payday loans and installment loans

Payday loans — and less frequently, installment loans — top quite a few lists for apps like Klover. But be careful: These are expensive options that should only be used in real emergencies when other alternatives have been exhausted.

Klover and pay advance apps like it rely on the money you’ve already earned through employment. This means they aren’t loans.

And while your advance amount is limited to your earnings, it and reduces your chances of falling into a cycle of debt. Even with monthly membership fees or tips, pay advance apps are significantly cheaper than payday loans.

There are also alternatives to payday loans out there that could potentially bridge the gap between a paycheck advance and bills you might be facing.

And these aren’t the only options on the market. Our guide to pay advance apps helps you learn how they work and compare between providers.

More guides on Finder

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