{"id":1036787,"date":"2024-04-29T12:07:36","date_gmt":"2024-04-29T16:07:36","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=1036787"},"modified":"2026-03-05T15:25:20","modified_gmt":"2026-03-05T20:25:20","slug":"koho-cover-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-cover-review","title":{"rendered":"KOHO Cover Review: Rates, Fees, Pros &#038; Cons"},"content":{"rendered":"<h3>What is KOHO Cover?<\/h3><p>KOHO Cover is an interest-free cash advance of up to $250. You can use the money to cover emergency expenses and avoid being charged an overdraft fee from your bank.<\/p><p>There are no interest charges on the money you borrow. However, there are two KOHO Cover fees you\u2019ll need to consider:<\/p><ul><li>A monthly KOHO plan fee of $0 \u2013 $22 (depending on the tier you select)<\/li><li>A monthly KOHO Cover subscription fee starting at $2 (fee depends on your cash advance amount)<\/li><\/ul><h3>Is KOHO legit?<\/h3><p>Yes. KOHO Financial is a Toronto-based fintech company founded in 2014, and it is currently pursuing a Schedule 1 banking licence. It offers a hybrid chequing\/savings account and money management app. KOHO also offers a prepaid credit card that lets you earn cash back on your purchases.<\/p><h3>Is the KOHO Cover a payday loan?<\/h3><p>No, it is not a payday loan, though it\u2019s designed for the same customers\u2014those who need a small loan fast, regardless of credit score. Payday loans cost $14 for every $100 borrowed and must be repaid on your next day, while the KOHO Cover has a monthly fee from $2 and can be repaid any time.<\/p><h3>How does KOHO Cover work?<\/h3><p>Sign up for a KOHO account to access Cover. Read our <a href=\"https:\/\/www.finder.com\/ca\/banking\/koho\">KOHO review<\/a> for more information about KOHO account features and available plans.<\/p><p>You can sign up for KOHO Cover through the KOHO app. No credit check is required. On the Spend page, select <strong>Unlock Now<\/strong> and <strong>Get Cover<\/strong>. Your cash advance will be instantly available through the KOHO app, or you can withdraw it in cash from an ATM.<\/p><p>You can then use the money to cover your expenses and repay what you borrow at any time.<article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Must read: <\/span><a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\" style=\"text-decoration:underline; font-size:0.9em;\">Cash advance apps guide<\/a>\n<\/div>\n<\/article><\/p><h3>What we like about KOHO Cover<\/h3><ul class=\"list-1\"><li><strong>No interest.<\/strong> You can get a cash advance of up to $250, and you won\u2019t be charged any interest.<\/li><li><strong>No credit checks.<\/strong> You won\u2019t need to complete a credit check to qualify for a cash advance.<\/li><li><strong>No income required to qualify.<\/strong> You don\u2019t need a regular source of income to qualify for Cover.<\/li><li><strong>Fast access to funds.<\/strong> <a href=\"https:\/\/www.finder.com\/ca\/payday-loans\/instant-loans-canada\">Borrow money instantly<\/a> in the KOHO app or by withdrawing cash from an ATM.<\/li><li><strong>Repay any time.<\/strong> Unlike some other cash advances, you have the freedom to repay the money any time, not just on your next payday.<\/li><li><strong>No NSF fees.<\/strong> KOHO doesn\u2019t charge any NSF fees for Cover.<\/li><li><strong>You can increase your Cover limit.<\/strong> It\u2019s possible to qualify for a higher cash advance amount (more on that a little further down the page).<\/li><li><strong>Financial Coach.<\/strong> Get advice on how to manage your money from KOHO\u2019s in-app Financial Coach.<\/li><li><strong>Sign-up bonus. <\/strong>You may get a bonus if you sign up for a new account, such as a three-month trial for the Everything Plan. <a href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-signup-bonus\">Learn more about KOHO sign-up bonuses.<\/a><\/li><\/ul><h3>What to watch out for<\/h3><ul class=\"list-12\"><li><strong>Monthly fee.<\/strong> You\u2019ll need to pay a monthly fee of at least $2 to get KOHO Cover. KOHO says the exact fee is calculated based on your cash advance amount, \u201camong other factors.\u201d<\/li><li><strong>KOHO plan fee.<\/strong> You\u2019ll need to sign up for a KOHO plan before you can qualify for Cover. There are three plans to choose from\u2014Essential, Extra and Everything\u2014and they have monthly fees ranging from $0 to $22. Get the Essential plan for free by performing certain actions, such as setting up a monthly direct deposit.<\/li><li><strong>$250 limit.<\/strong> The standard maximum limit of KOHO Cover is $250, but this may not be enough for some people.<\/li><li><strong>Won\u2019t improve your credit score.<\/strong> Repayments aren\u2019t reported to Canada\u2019s credit bureaus, so paying back your advance won\u2019t improve your credit score.<\/li><\/ul><h3>Alternatives to KOHO Cover<\/h3>    <style>\n.popover.fade.bottom.in { overflow: visible !important;}\n.table-popover { overflow: visible !important; }\n.luna-card.luna-card--border.luna-card--stretch.comparisonPick-item.flex-item-1 { border-radius: 0; overflow: visible !important; margin: 0 !important;}\n#product-comparison-box { overflow: visible; }\n.aligncenter { max-height: fit-content !important; max-width: fit-content !important;}\n@media (max-width: 960px) {\n    .outer-container {\n        display: flex;\n        justify-content: center;\n    }\n}\n\n.i-1 {\n  z-index: 1;\n  background-color: #F5F4EF;\n  \/* margin-left: 0.5em !important; *\/\n  box-shadow: 4px 6px 0 0 #232320;\n  border: 2px solid #232320;\n \n}\n\n\/* @media (min-width: 768px) {\n  .i-1 { transform: scale(1.026); }\n} *\/\n\n\n.i-2 {\n  border-right: 0;\n  border-top-right-radius: 0;\n  border-bottom-right-radius: 0;\n}\n\n.i-3 {\n  border-left: 0;\n  border-top-left-radius: 0;\n  border-bottom-left-radius: 0;\n}\n\n #product-comparison-box {\n        border: 2px solid #232320;\n        box-shadow: 4px 6px 0 0 #232320;\n        border-radius: 1rem;\n        margin-bottom: 16px;\n        width: 99%;\n  }\n\n@media (max-width: 800px) {\n   #product-comparison-box {\n        flex-direction: column;\n        align-items: center;\n        border: 2px solid #232320;\n        box-shadow: 4px 6px 0 0 #232320;\n        border-radius: 1rem;\n        width: 85% !important;\n        padding: 0 0 10px 0 !important;\n        \n  }\n\n  .luna-card--shadow {\n      margin-right: 0;\n  }\n \n\n  .comparisonPick-item {\n    width: 100% !important;\n    border:none;\n    box-shadow:none;\n    border-bottom-left-radius: 1rem;\n    border-bottom-right-radius: 1rem;\n\n  }\n  .container-reviewComparison {\n    padding: 0 !important;\n    }\n\n  .i-1{\n    box-shadow: 4px 6px 0 0 #232320;\n    border-bottom: 1px solid #232320;\n  }\n\n  \/* Reset desktop connected-card styles *\/\n  \/* .i-1 {\n    background-color: #fff;\n    margin-left: 0 !important;\n  } *\/\n\n  .i-2 {\n    border-right: revert;\n    border-top-right-radius: revert;\n    border-bottom: 1px solid #232320;\n  }\n\n  .i-3 {\n    border-left: revert;\n    border-top-left-radius: revert;\n    border-bottom-left-radius: revert;\n  }\n}\n\n\np {\n white-space:normal\n}\n\n.pick {\n    margin-top: 0.3em;\n    margin-bottom: 0.3em;\n}\n\n.luna-card__topPick {\npadding-top: 0.5em !important;\npadding-bottom: 0.5em !important;\npadding-left: 0.5em !important;\npadding-right: 0.5em !important;\n  overflow: visible !important;\n\n}\n\n.container-reviewComparison {\n  width: 100%;\n  height: auto;\n  white-space: nowrap;\n\n}\n\n.flex-object {\n  display: flex;\n  flex-wrap: nowrap; \n  overflow: auto;\n}\n\n.flex-item-1 {\n  flex: 0 0 auto;\n}\n@media (min-width: 801px) {\n  .comparisonPick-item {\n    \/\/margin: 0px !important; \n    width: calc(96% \/ 3) !important;\n    overflow: visible !important;\n  } \n\n  .i-1 {\n  box-shadow: 4px 6px 0 0 #232320 !important;\n  border: 2px solid #232320 !important;\n  border-left: 0 !important;\n  border-top: 0 !important;\n}\n  .luna-card{\n    margin-bottom: 0;}\n  .luna-card--shadow {\n    border: none;\n    box-shadow:none;\n\n}\n\n}\n\n\n\/* @media (max-width:801px)  { \n.comparisonPick-item {\n  margin: 0px !important; \n  width: 70% !important;\n}\n} *\/\n\n\/* @media (max-width:481px)  { \n.comparisonPick-item {\n  margin: 0px !important; \n  width: 85% !important;\n} *\/\n\n#product-comparison-box { overflow: visible; }\n.outer-container { overflow: auto; }\n\n}\n<\/style>\n \n\n    \n            \n    \n\n\n        \n            \n    \n                    \n                                        \n                                                                                                    \n                                \n                                                                                                    \n                                \n                                                                        \n        \n                        \n                                        \n                                \n                                                                    \n                    \n                                        \n                                                                                                    \n                                \n                                                                              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\n\n<div class=\"outer-container\">\n    <div id=\"product-comparison-box\" class=\"container-reviewComparison flex-object\">\n                    \n            \n<article class=\"luna-card luna-card--shadow luna-card--stretch comparisonPick-item flex-item-1 i-1\">\n\n\n\n\n                \n                <div class=\"luna-card__block luna-card__topPick\">\n                                        <img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.finder.com\/niche-builder\/66981ad691ad1.png\" style=\"height: 90px !important; width: auto; margin-top:0 !important; margin-bottom:0 !important\" alt=\"Logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66981ad691ad1.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/66981ad691ad1.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/66981ad691ad1.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/66981ad691ad1.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/66981ad691ad1.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n                    \n                   \n                    \n                    <div class=\"u-grid__col u-1\/1@s u-1\/1\" style=\"z-index: 100; padding-bottom: 0\">\n                        <span class=\"aligncenter\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><style>\n\ntable div[class*=\"methodology-partial\"] {\n    display:none;\n}\n\n\n.scoreCombined {\n  text-decoration: none;\n}\n\n.scoreCombined.finder-score::before {\n  display: none;\n}\n\na.scoreCombined,\na.scoreCombined:hover {\n  text-decoration: none;\n  white-space: nowrap;\n}\n\n.score__container {\n  display: flex;\n  width: 100%;\n  flex-flow: column nowrap;\n  align-items: center;\n  justify-content: center;\n  font-size: 20px;\n  gap: 4px;\n}\n\n.score__badge {\n  border-radius: 2px 24px 24px 24px;\n  border: none;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n  height: 2.5rem;\n  width: 2.5rem;\n  background-image: linear-gradient(\n    45deg,\n    transparent 25%,\n    rgba(255, 255, 255, 0.2) 50%,\n    transparent 75%,\n    transparent 100%\n  );\n  background-size:\n    250% 250%,\n    100% 100%;\n  background-position:\n    -100% 0,\n    0 0;\n  background-repeat: no-repeat;\n  position: relative;\n}\n\n.score__badge--excellent {\n  background-color: #1d53ff;\n}\n\n.score__badge--great {\n  background-color: #008024;\n}\n\n.score__badge--standard {\n  background-color: #ffd23b;\n\n  .score__value {\n    color: #232320;\n  }\n}\n\n.score__badge--basic {\n  background-color: #db2420;\n}\n\n.score__badge:hover {\n  animation: shine-effect 1.5s ease;\n}\n\n.score__value {\n  color: #fff;\n  font-weight: 800;\n  font-size: 20px;\n  line-height: 1.25;\n  letter-spacing: -0.025em;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.score__text-wrapper {\n  border: none;\n  display: flex;\n  align-items: center;\n  top: -4px;\n  width: auto;\n}\n\n.score__text-wrapper.score__text {\n  background: none;\n}\n\n.score__text {\n  font-weight: 800;\n  font-size: 16px;\n  line-height: 1.25;\n  color: #232320;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.finder-score__text {\n  text-align: left;\n  text-wrap-mode: nowrap;\n  margin-left: 10px;\n  text-decoration: underline;\n}\n<\/style>\n\n\n\n\n<div class=\"detail-info 67d91ad3-fadc-4803-bce1-ea50a0b9761f\" style=\"z-index: 1;position: relative; margin-bottom: 1rem\">\n  \n                  <p class=\"scoreCombined score__container finder-score\">\n      <span class=\"score__badge score__badge--excellent\">\n        <span class=\"score__value\">9.3<\/span>\n      <\/span>\n      <span class=\"score__text-wrapper score__text score__text--excellent\">\n        Excellent\n      <\/span>\n    <\/p>\n  <\/div><\/span>\n                    <\/div>\n\n                    <p style=\"margin: 0;\"><\/p><center>\n                    <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"67d91ad3-fadc-4803-bce1-ea50a0b9761f\" data-product-name=\"Nyble Credit Line\" data-niche=\"Cash Advance Apps\" data-provider-name=\"Nyble\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--large \" style=\"text-wrap: wrap;\" title=\"Go to Nyble\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/nyble-pay-advance-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%2267d91ad3-fadc-4803-bce1-ea50a0b9761f%22%2C%22product_name%22%3A%22Nyble%2BCredit%2BLine%22%2C%22offer_id%22%3A%2223215%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CAFPL-CAA%22%2C%22post_id%22%3A%221036787%22%2C%22post_path%22%3A%22cash-advance-apps%252Fkoho-cover-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1725634%2C%22name%22%3A%22usfin-review-comparison-cards%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n<\/center>\n                    \n                                                            \n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">APR Range<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                0%\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Amount<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                        $30 - $250\n                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Term<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                31 days, extendable\n                                                                                                                                                                                                                        \n                                                    <\/p>\n                                        \n                <\/div>\n            <\/article>\n                    \n            \n<article class=\"luna-card luna-card--shadow luna-card--stretch comparisonPick-item flex-item-1 i-2\">\n\n\n\n\n                \n                <div class=\"luna-card__block luna-card__topPick\">\n                                        <img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.finder.com\/niche-builder\/63854cb489b7f.png\" style=\"height: 90px !important; width: auto; margin-top:0 !important; margin-bottom:0 !important\" alt=\"Logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/63854cb489b7f.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/63854cb489b7f.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/63854cb489b7f.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/63854cb489b7f.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/63854cb489b7f.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n                    \n                   \n                    \n                    <div class=\"u-grid__col u-1\/1@s u-1\/1\" style=\"z-index: 100; padding-bottom: 0\">\n                        <span class=\"aligncenter\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><style>\n\ntable div[class*=\"methodology-partial\"] {\n    display:none;\n}\n\n\n.scoreCombined {\n  text-decoration: none;\n}\n\n.scoreCombined.finder-score::before {\n  display: none;\n}\n\na.scoreCombined,\na.scoreCombined:hover {\n  text-decoration: none;\n  white-space: nowrap;\n}\n\n.score__container {\n  display: flex;\n  width: 100%;\n  flex-flow: column nowrap;\n  align-items: center;\n  justify-content: center;\n  font-size: 20px;\n  gap: 4px;\n}\n\n.score__badge {\n  border-radius: 2px 24px 24px 24px;\n  border: none;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n  height: 2.5rem;\n  width: 2.5rem;\n  background-image: linear-gradient(\n    45deg,\n    transparent 25%,\n    rgba(255, 255, 255, 0.2) 50%,\n    transparent 75%,\n    transparent 100%\n  );\n  background-size:\n    250% 250%,\n    100% 100%;\n  background-position:\n    -100% 0,\n    0 0;\n  background-repeat: no-repeat;\n  position: relative;\n}\n\n.score__badge--excellent {\n  background-color: #1d53ff;\n}\n\n.score__badge--great {\n  background-color: #008024;\n}\n\n.score__badge--standard {\n  background-color: #ffd23b;\n\n  .score__value {\n    color: #232320;\n  }\n}\n\n.score__badge--basic {\n  background-color: #db2420;\n}\n\n.score__badge:hover {\n  animation: shine-effect 1.5s ease;\n}\n\n.score__value {\n  color: #fff;\n  font-weight: 800;\n  font-size: 20px;\n  line-height: 1.25;\n  letter-spacing: -0.025em;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.score__text-wrapper {\n  border: none;\n  display: flex;\n  align-items: center;\n  top: -4px;\n  width: auto;\n}\n\n.score__text-wrapper.score__text {\n  background: none;\n}\n\n.score__text {\n  font-weight: 800;\n  font-size: 16px;\n  line-height: 1.25;\n  color: #232320;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.finder-score__text {\n  text-align: left;\n  text-wrap-mode: nowrap;\n  margin-left: 10px;\n  text-decoration: underline;\n}\n<\/style>\n\n\n\n\n<div class=\"detail-info 09a8b8bb-ef71-4a58-a987-6c0b694b0e55\" style=\"z-index: 1;position: relative; margin-bottom: 1rem\">\n  \n                  <p class=\"scoreCombined score__container finder-score\">\n      <span class=\"score__badge score__badge--great\">\n        <span class=\"score__value\">8.8<\/span>\n      <\/span>\n      <span class=\"score__text-wrapper score__text score__text--great\">\n        Great\n      <\/span>\n    <\/p>\n  <\/div><\/span>\n                    <\/div>\n\n                    <p style=\"margin: 0;\"><\/p><center>\n                    <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"09a8b8bb-ef71-4a58-a987-6c0b694b0e55\" data-product-name=\"Bree Early Pay\" data-niche=\"Cash Advance Apps\" data-provider-name=\"Bree\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n    \r\n\t\t\t<a class=\"  luna-button luna-button--success  luna-button--large \" style=\"text-wrap: wrap;\" title=\"Go to Bree\" rel=\"sponsored\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/ca\/cash-advance-apps\/bree-ca-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%2209a8b8bb-ef71-4a58-a987-6c0b694b0e55%22%2C%22product_name%22%3A%22Bree%2BEarly%2BPay%22%2C%22offer_id%22%3A%2223342%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.USFIN_REDIRECT_BUTTON%22%2C%22niche_code%22%3A%22CAFPL-CAA%22%2C%22post_id%22%3A%221036787%22%2C%22post_path%22%3A%22cash-advance-apps%252Fkoho-cover-review%22%2C%22post_country%22%3A%22ca%22%2C%22partial%22%3A%7B%22id%22%3A1725634%2C%22name%22%3A%22usfin-review-comparison-cards%22%2C%22country%22%3A%22us%22%7D%7D\"> \r\n\t\t\t\t\r\n\t\t\t\t\tGo to site\r\n\t\t\t\t\r\n\t\t\t<\/a>\r\n\t\r\n\r\n  \r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n<\/center>\n                    \n                                                            \n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">APR Range<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                0%\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Amount<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                        $20 - $750\n                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Term<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Next pay cycle (90 days max)\n                                                                                                                                                                                                                        \n                                                    <\/p>\n                                        \n                <\/div>\n            <\/article>\n                    \n            \n<article class=\"luna-card luna-card--shadow luna-card--stretch comparisonPick-item flex-item-1 i-3\">\n\n\n\n\n                \n                <div class=\"luna-card__block luna-card__topPick\">\n                                        <img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.finder.com\/niche-builder\/67a9162399cf4.png\" style=\"height: 90px !important; width: auto; margin-top:0 !important; margin-bottom:0 !important\" alt=\"Logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/67a9162399cf4.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/67a9162399cf4.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/67a9162399cf4.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/67a9162399cf4.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/67a9162399cf4.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n                    \n                   \n                    \n                    <div class=\"u-grid__col u-1\/1@s u-1\/1\" style=\"z-index: 100; padding-bottom: 0\">\n                        <span class=\"aligncenter\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><style>\n\ntable div[class*=\"methodology-partial\"] {\n    display:none;\n}\n\n\n.scoreCombined {\n  text-decoration: none;\n}\n\n.scoreCombined.finder-score::before {\n  display: none;\n}\n\na.scoreCombined,\na.scoreCombined:hover {\n  text-decoration: none;\n  white-space: nowrap;\n}\n\n.score__container {\n  display: flex;\n  width: 100%;\n  flex-flow: column nowrap;\n  align-items: center;\n  justify-content: center;\n  font-size: 20px;\n  gap: 4px;\n}\n\n.score__badge {\n  border-radius: 2px 24px 24px 24px;\n  border: none;\n  display: flex;\n  justify-content: center;\n  align-items: center;\n  height: 2.5rem;\n  width: 2.5rem;\n  background-image: linear-gradient(\n    45deg,\n    transparent 25%,\n    rgba(255, 255, 255, 0.2) 50%,\n    transparent 75%,\n    transparent 100%\n  );\n  background-size:\n    250% 250%,\n    100% 100%;\n  background-position:\n    -100% 0,\n    0 0;\n  background-repeat: no-repeat;\n  position: relative;\n}\n\n.score__badge--excellent {\n  background-color: #1d53ff;\n}\n\n.score__badge--great {\n  background-color: #008024;\n}\n\n.score__badge--standard {\n  background-color: #ffd23b;\n\n  .score__value {\n    color: #232320;\n  }\n}\n\n.score__badge--basic {\n  background-color: #db2420;\n}\n\n.score__badge:hover {\n  animation: shine-effect 1.5s ease;\n}\n\n.score__value {\n  color: #fff;\n  font-weight: 800;\n  font-size: 20px;\n  line-height: 1.25;\n  letter-spacing: -0.025em;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.score__text-wrapper {\n  border: none;\n  display: flex;\n  align-items: center;\n  top: -4px;\n  width: auto;\n}\n\n.score__text-wrapper.score__text {\n  background: none;\n}\n\n.score__text {\n  font-weight: 800;\n  font-size: 16px;\n  line-height: 1.25;\n  color: #232320;\n  font-variant-numeric: lining-nums tabular-nums;\n}\n\n.finder-score__text {\n  text-align: left;\n  text-wrap-mode: nowrap;\n  margin-left: 10px;\n  text-decoration: underline;\n}\n<\/style>\n\n\n\n\n<div class=\"detail-info 76893640-b1bd-4ccf-b187-887efa0f775f\" style=\"z-index: 1;position: relative; margin-bottom: 1rem\">\n  \n                  <p class=\"scoreCombined score__container finder-score\">\n      <span class=\"score__badge score__badge--great\">\n        <span class=\"score__value\">7.8<\/span>\n      <\/span>\n      <span class=\"score__text-wrapper score__text score__text--great\">\n        Great\n      <\/span>\n    <\/p>\n  <\/div><\/span>\n                    <\/div>\n\n                    <p style=\"margin: 0;\"><\/p><center>\n                    <style>\r\n.table--success { width: max-content !important; }\r\n<\/style>\r\n\r\n\r\n<div aria-hidden=\"false\" class=\"rewards--element-container rewards--container sticky-cta \" data-product-id=\"76893640-b1bd-4ccf-b187-887efa0f775f\" data-product-name=\"FastForward by MoneyUp\" data-niche=\"Cash Advance Apps\" data-provider-name=\"MoneyUp\" data-rewards-campaign-name=\"\">\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n\r\n\r\n      \r\n \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n  \r\n\r\n\r\n\r\n  \r\n \r\n\r\n\r\n\r\n \r\n\r\n  <\/div>\r\n<style>\r\n.hidden-temp {  overflow: visible; }\r\n.back-cover { display:none; width: 100vw; height: 100vh; background-color:rgba(0,0,0,.5); position: fixed !important; z-index: 10; top:0; left: 0; }  \r\n.card-t { position: fixed !important; z-index: 11; text-align: justify; display: flex; justify-content: center; width: 100%; top: 50%; left: 50%;  transform: translate(-50%, -50%); }\r\n.terms-c { color: #0271e1; z-index:3; } \r\n.terms-c:hover { color: #1591fe; cursor: pointer;}\r\n.terms-card-r { border-radius: 14px; }\r\n\r\n\r\n  \r\n@media (max-width:481px)  { \r\n\/* .card-t { position: fixed; width: 80%; text-align: justify;  top: 30vw; left: 5vh; }\r\n .card-t { position: fixed; z-index: 11; text-align: justify;  }*\/\r\n }\r\n<\/style>\r\n  \r\n\r\n  \r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n    document.addEventListener(\"click\", function(event) {\r\n        const sendDataButton = document.getElementById(\"sendDataButton\");\r\n\r\n        \/\/ Check if the click was on the sendDataButton\r\n        if (event.target && event.target.id === \"sendDataButton\") {\r\n            event.preventDefault(); \/\/ Prevent default link behavior\r\n\r\n            \/\/ Ensure the button exists\r\n            if (sendDataButton) {\r\n                \/\/ Use dataset to get the data attributes\r\n                const nicheData = sendDataButton.dataset.nicheData || ''; \/\/ Fallback to empty string\r\n                const productData = sendDataButton.dataset.productData || ''; \/\/ Fallback to empty string\r\n                const fiUri = sendDataButton.dataset.fiUri || ''; \/\/ Access fiUri in camelCase\r\n                const psUri = sendDataButton.dataset.psUri || ''; \/\/ Access psUri in camelCase\r\n                const psGn = sendDataButton.dataset.psGn || ''; \/\/ Access psGn in camelCase\r\n                const tc = sendDataButton.dataset.tc || ''; \/\/ Access data-tc attribute\r\n\r\n                \/\/ Extract the category from the current URL\r\n                const currentUrl = window.location.href;\r\n                const urlParts = currentUrl.split('\/');\r\n                const category = urlParts.length > 4 ? urlParts[3] : ''; \/\/ Get the category from the URL\r\n\r\n                \/\/ Construct the new URL with query parameters, encoding each value\r\n                const newUrl = `https:\/\/www.finder.com\/about-us\/product-lander-test?niche_data=${encodeURIComponent(nicheData)}&product_data=${encodeURIComponent(productData)}&fi_uri=${encodeURIComponent(fiUri)}&ps_uri=${encodeURIComponent(psUri)}&ps_gn=${encodeURIComponent(psGn)}&category=${encodeURIComponent(category)}&tc=${encodeURIComponent(tc)}`;\r\n                \r\n                \/\/ Perform the redirect with the updated URL\r\n                window.location.href = newUrl;\r\n            }\r\n        }\r\n    });\r\n});\r\n<\/script>\r\n\r\n  \r\n<\/center>\n                    \n                                                            \n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">APR Range<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                Up to 30.40%\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Amount<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                        $100 - $1,500\n                                                                                                                                                                                                                                                                                                                                                                                                                \n                                                    <\/p>\n                                            <hr style=\"margin: 0.75em;\">\n                        <p class=\"aligncenter\" style=\"font-weight:700;\">Loan Term<\/p>\n                        <p class=\"aligncenter\" style=\"font-size:0.9em;\">\n                            \n                                                        \n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Next pay cycle\n                                                                                                                                                                                                                        \n                                                    <\/p>\n                                        \n                <\/div>\n            <\/article>\n            <\/div>\n<\/div><h3>Summary of KOHO Cover reviews<\/h3><table class=\"luna-table luna-table--responsiveList\"><thead class=\"luna-table__header\"><tr><th style=\"text-align: left; width: 50%;\" scope=\"col\">Site<\/th><th style=\"text-align: left; width: 50%;\" scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>Trustpilot<\/td><td>1.4\/5 stars based on 450+KOHO reviews<\/td><\/tr><tr><td>Google<\/td><td>No KOHO reviews available<\/td><\/tr><tr><td>BBB accreditation<\/td><td>No<\/td><\/tr><tr><td>BBB rating<\/td><td>F<\/td><\/tr><tr><td>BBB reviews<\/td><td>1.27\/5 based on 48 KOHO reviews<\/td><\/tr><tr><td>Reviews accurate as of<\/td><td>August 1, 2025<\/td><\/tr><\/tbody><\/table><h3>What do KOHO Cover reviews say?<\/h3><p>There are limited online customer reviews for KOHO\u2019s Cover feature. However, there are plenty of reviews for KOHO as a whole. Unfortunately, many of them are negative. As of August 2025, 85% of the 450+ reviews left on Trustpilot rated KOHO 1 out of 5 stars.<\/p><p>People commonly complain about fraudulent charges on their accounts, poor customer support and unexpected changes to the features included in their KOHO plans. Positive reviews mention KOHO helping people build their credit and earn cash. The KOHO app has generally positive reviews in Apple\u2019s App Store and the Google Play Store.<\/p><h4>KOHO Cover feedback on Reddit<\/h4><p>We found a thread on the PersonalFinanceCanada Reddit complaining about a change to KOHO Cover that makes it impossible for customers to send e-Transfers using their Cover balances. There are also other negative KOHO threads on Reddit, in which account issues and customer service problems are commonly mentioned.<\/p><h4>KOHO app reviews<\/h4><table class=\"luna-table luna-table--responsiveList\"><tbody class=\"luna-table__body\"><tr><td>Google Play reviews<\/td><td>4.6\/5 stars based on 66,074 KOHO reviews<\/td><\/tr><tr><td>Apple App Store reviews<\/td><td>4.8\/5 stars based on 78,090 KOHO reviews<\/td><\/tr><\/tbody><\/table><h3>Am I eligible?<\/h3><p>To sign up for a KOHO account you will need to be:<\/p><ul><li>A Canadian citizen or permanent resident<\/li><li>The age of majority in your province or territory<\/li><\/ul><p>The KOHO website states that all account holders are eligible for Cover.<\/p><h3>How to get access to KOHO Cover<\/h3><p>You can sign up online or through the KOHO app by entering your name, address, date of birth and contact details. You\u2019ll also need to provide photo ID to verify your identity, or you can confirm your ID by connecting your bank account online.<\/p><p>Once you\u2019ve created a KOHO account, you can register for Cover through the app. From the main Spend page, select <strong>Unlock Now<\/strong> and <strong>Get Cover<\/strong>.<\/p><h3>What to expect once you have access<\/h3><p>Once you\u2019ve been approved for a cash advance, the money will be added to your total KOHO balance. You can use the money however you want, but your Cover balance is displayed separately to your Spendable balance. When you make a purchase, money will first be withdrawn from your Spendable balance until it hits $0, then funds will be taken from your Cover balance.<\/p><p>You can repay your cash advance at any time. You\u2019ll also need to keep paying a monthly subscription fee to maintain your access to Cover. If you miss a monthly fee payment, your Cover will be cancelled and you\u2019ll lose access to cash advances.<\/p><h3>How to increase your KOHO Cover limit<\/h3><p>It\u2019s possible for Cover users to access a higher KOHO Cover limit. But you can\u2019t simply apply for a higher limit. KOHO\u2019s system determines the amount you qualify for.<\/p><p>However, you can increase your chances of getting a higher limit by using KOHO for everyday spending, paying your monthly subscription fee on time, paying bills from your account balance and using features like KOHO Credit Building.<\/p><p>There are no details available online confirming the maximum possible Cover amount.<\/p><h3>Bottom line<\/h3><p>KOHO Cover offers a simple and convenient way to access interest-free cash advances for short-term cash shortages. There are no credit checks and it\u2019s easy to apply, but just be aware that you\u2019ll need to pay an ongoing monthly subscription fee. If you need more than $250, <a href=\"https:\/\/www.finder.com\/ca\/personal-loans\">compare other personal loans<\/a> to find the right option for your needs.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">Can I cancel KOHO Cover?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, you can cancel KOHO Cover any time by selecting <strong>Cancel Cover<\/strong> in the Settings section of the KOHO app. You can also repay borrowed Cover funds in the app; otherwise, KOHO will automatically collect repayment at the end of your 30-day subscription period.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">What happens if I don't pay my KOHO Cover monthly subscription fee?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>If you miss a monthly subscription fee payment, your KOHO Cover subscription will be cancelled.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Where can I see my KOHO Cover balance?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Your Cover balance is displayed separately to your Spendable balance in the KOHO app. If you make a purchase, funds will first be withdrawn from your Spendable balance until it reaches zero, and the remaining funds will be withdrawn from your Cover balance.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3><div class=\"sources sources__f1\">\n    <link rel=\"stylesheet\" href=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.87684078d471e76125dd.css\">\n    \n  <ul class=\"luna-accordionGroup accordionGroup\">\n    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n      <div class=\"luna-accordion__summary\">\n        <h3 class=\"luna-accordion__heading\">\n          <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"sources_1659310104\" data-toggle=\"collapse\" data-target=\"#sources_1659310104\">\n            <span class=\"luna-accordion__title u-text--lg u-font--bold\">Sources<\/span>\n            <svg class=\"luna-icon\" aria-hidden=\"true\">\n              <use href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n              <use href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n            <\/svg>\n          <\/button>\n        <\/h3>\n      <\/div>\n      <div class=\"luna-accordion__details collapse \" aria-hidden=\"true\" id=\"sources_1659310104\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n          <p class=\"sources__description\">Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are <a href=\"https:\/\/www.finder.com\/ca\/why-trust-us\">fact checked<\/a> in line with our <a href=\"https:\/\/www.finder.com\/ca\/editorial-guidelines\">editorial guidelines<\/a>.<\/p>\n          <ol class=\"u-pl--0 u-text--lg u-font--medium\">\n                                          <li class=\"u-leading--loose\"><a class=\"u-font--medium\" href=\"https:\/\/www.koho.ca\/cover\" target=\"_blank\">KOHO: KOHO Cover<\/a><\/li>\n                                    <\/ol>\n        <\/div>\n      <\/div>\n    <\/li>\n  <\/ul>\n    <script defer src=\"https:\/\/www.finder.com\/parent-theme\/shortcodes\/article-source\/prod\/article-source.de087a0da9824e407767.js\"><\/script>\n  <\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Your guide to getting an interest-free cash advance with KOHO Cover.<\/p>\n","protected":false},"author":516,"featured_media":1046374,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[107272],"tags":[],"asset_tag":[],"class_list":["post-1036787","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cash-advance-apps"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>KOHO Cover Review: Rates, Fees, Pros &amp; Cons | Finder Canada<\/title>\n<meta name=\"description\" content=\"KOHO Cover provides an instant cash advance with no credit checks. Find out how it can help and how much it costs in this KOHO Cover review.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-cover-review\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"KOHO Cover Review: Rates, Fees, Pros &amp; Cons\" \/>\n<meta property=\"og:description\" content=\"KOHO Cover provides an instant cash advance with no credit checks. Find out how it can help and how much it costs in this KOHO Cover review.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-cover-review\" \/>\n<meta property=\"og:site_name\" content=\"Finder Canada\" \/>\n<meta property=\"article:published_time\" content=\"2024-04-29T16:07:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Koho_Supplied_1800x1000-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tim Falk\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tim Falk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-cover-review#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-cover-review\"},\"author\":{\"name\":\"Tim Falk\",\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/e84372ad54f89a7447d88eab25817464\"},\"headline\":\"KOHO Cover Review: Rates, Fees, Pros &#038; Cons\",\"datePublished\":\"2024-04-29T16:07:36+00:00\",\"dateModified\":\"2025-08-01T11:52:53+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-cover-review\"},\"wordCount\":1760,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-cover-review#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Koho_Supplied_1800x1000-1.jpg\",\"articleSection\":[\"Cash Advances\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"editor\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#\/schema\/person\/784654a651a2874261e8007614422c55\"},\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"KOHO: KOHO Cover\",\"url\":\"https:\/\/www.koho.ca\/cover\"}],\"commentCount\":0},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-cover-review\",\"url\":\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-cover-review\",\"name\":\"KOHO Cover Review: Rates, Fees, Pros & Cons | Finder Canada\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-cover-review#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/ca\/cash-advance-apps\/koho-cover-review#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/5\/2024\/04\/Koho_Supplied_1800x1000-1.jpg\",\"datePublished\":\"2024-04-29T16:07:36+00:00\",\"dateModified\":\"2025-08-01T11:52:53+00:00\",\"description\":\"KOHO Cover provides an instant cash advance with no credit checks. 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