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9 Apps Like Klover: Alternatives for Fast Cash Advances in 2026

The Klover app is shutting down Klover Banking and its advances are small — but there are many other cash apps to consider.

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By

Bethany Hickey

Edited by

Melanie Huddart

Reviewed by

Anna Serio

Updated

Fact checked

Klover is a personal finance app that offers small advances to qualified users up to $400 with no interest charges, late fees or credit check. It also offers a unique Points Program, where you can earn credits for taking surveys and watching ads to increase your advance amount or cover the fee for same-day funding.

However, you must verify your employment and income before qualifying for any advances, which may take up to six weeks. It also doesn’t offer advances on self-employment income or have credit-building features that you might find with other apps. If you want to sign up for personal financial management services, such as its budgeting feature, Klover charges a $4.99 monthly subscription fee.

Whether you need cash sooner than six weeks, are self-employed, want more features or simply need access to larger advances, one of these alternatives to Klover may be a better fit.

9 alternatives to Klover

Alternative for budgeting features

Cleo

8.2 Great

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Unlike Klover, Cleo is purpose-built to help you track your spending better and save more. Cleo's AI assistant can help you set budgets, track your spending, pay your bills on time and avoid overdrafts. You can also turn on “roasting” reminders to let you know when you've gone off track.

Cleo also offers cash advances with no minimum income requirement to prove, like Klover. As long as you have regular income coming into your bank account, you could qualify for cash advances starting at $20 to $70 and potentially increasing to $250 over time.

Loan Amount $20 - $250
Turnaround time 3 to 4 days or instant for a fee.
Costs $5.99 monthly membership fee to access cash advances
  • Available in all states

Alternative for employed borrowers

EarnIn

9.5 Excellent

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Earnin is a cash advance app that lets you borrow up to $1,000 of your earned wages before payday with its Cash Out feature. This borrowing limit is significantly higher than most cash advance apps and unlike payday loans, there's no interest or financing fees to use Cash Outs.

To qualify for Earnin Cash Outs, you need to be employed, have regular direct deposits and earn a minimum of $320 each pay period. You can transfer $150 a day to a linked bank account or more than $150 per day to an Earnin card. Regular transfers are available in one to three business days or in minutes for a fee.

Loan Amount Up to $1,000
Turnaround time 1-2 business days standard, in minutes with a small fee
Costs Free
  • Not available in: Connecticut, District of Columbia

Alternative for building a portfolio

Albert Instant

8.8 Great

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Albert is a popular all-in-one money app that provides up to $1,000 to members. You don't need a subscription to use Albert Instant, it's available to any eligible Albert member subject to eligibility requirements.

Albert also offers optional subscription tiers which include extra tools like budgeting insights, automated savings, spending alerts, and other financial management features. Combined with Albert Instant, these features help users manage short-term cash gaps and stay on top of their finances.

Loan Amount $25 - $1,000
Turnaround time Within minutes
Costs No subscription required

Alternative or flexible repayment

Brigit

8.4 Great

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Brigit is one of the top pay advance apps on the market. There are no tips, interest charges or other fees — except the $8.99 to $14.99 monthly membership. However, Brigit does give you the option to extend your due date up to three times. Klover doesn't offer this, so Brigit is definitely a great alternative if you have more variable pay dates.

The biggest negative with Brigit is the monthly membership fee, which you have to sign up for to get an advance. But on top of advances, Brigit also offers features like overdraft protection, identity theft protection, educational features and other perks not found with other apps.

Loan Amount $50 - $500
Turnaround time 1 to 3 business days or instant with a Premium subscription or for a fee.
Costs Brigit Plus: $8.99/month; Brigit Premium: $14.99/month
  • Available in all states

Alternative for installment loans

OppLoans Installment Loans

9.4 Excellent

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OppLoans offers bad credit personal loans and only runs a soft credit check that won't affect your FICO score, and unlike Klover – you could get your money as soon as the same day you're approved. While APRs can reach 195% with OppLoans, you can potentially borrow much higher amounts than with a cash advance app.

OppLoans' loan amounts range between $500 to $5,000, with repayment terms between 9 to 18 months in most states – much longer than what a cash advance app like Klover will allow. OppLoans also reports your payments to the three major credit bureaus which can help build your credit score.

Loan Amount $500 - $5,000
APR 129% - 195% APR
Turnaround time As soon as the same business day
Online application Yes
  • Not available in: Colorado, Connecticut, District of Columbia, Georgia, Iowa, Maryland, Massachusetts, New York, Oregon, South Dakota, Vermont, West Virginia

Alternative for self-employed borrowers

Avant personal loans

6.8 Standard

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Avant is one of the few personal loan providers that accepts self-employment income, something that Klover won't accept to qualify for cash advances. While Avant isn't a banking app like Klover, it does have a low credit score requirement of 550 and you can borrow up to $35,000 with APRs starting at 9.95%.

There is an administrative fee of 9.99% to consider. And Avant doesn't have the cleanest history — it was sued in 2021 and had to pay $1.6 million for improper debt collection practices.

It has since corrected its practices, but it has over 1004 customer complaints on its BBB profile. However, a high rating on Trustpilot gives it a mixed reputation.

Min. credit score 550
APR 9.95% to 35.99%
Loan amount $2,000 to $35,000
  • Not available in: Iowa, Kentucky, Massachusetts, Michigan, Montana, Virginia, West Virginia

Alternative for all mobile banking needs

Cash App

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The Square-supported Cash App has nearly whatever you'd need in a banking app. Klover removed its Klover Banking feature in 2023, so it will be lacking in functionality compared to most apps — especially Cash App.

While most people know Cash App for its simple peer-to-peer (P2P) payment system, you can also invest in stocks and crypto, get paid early with direct deposit and much more. It also has a new lending feature called Borrow that's in early stages of development.

The Borrow option allows users to borrow between $20 to $500 in the app with a 5% interest rate. Unfortunately, the Borrow feature isn't available to everyone, and eligibility requirements aren't clear. Some speculate that only the most active users can get a loan and you likely need good credit to qualify.

Loan Amount $20 - $500
Turnaround time Same day
Costs 5% flat fee
  • Available in all states

Alternative for low monthly membership fee

Dave ExtraCash

8.5 Great

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Dave has one of the lowest monthly membership fees at only Up to $5 per month, and a higher borrowing limit of $500 per pay period through its ExtraCash feature. Klover's paid membership is significantly higher, but you don't require the paid membership to get advances. Like other cash apps, Dave doesn't charge interest and tipping is optional.

Instant delivery is available for a fee between $1.99 to $13.99, based on the amount you're borrowing. That's a bit of a negative, since other apps that require a paid membership don't charge for instant delivery. And Dave does require that you deposit a minimum of $1,000 each month to qualify for advances.

Loan Amount Up to $500
Turnaround time Free instant transfers to Dave Checking, up to 3 business days for free, or within an hour for a fee
Costs Undisclosed
  • Not available in: District of Columbia

Alternative for building credit

Possible Finance Mobile Installment Loans

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Possible Finance is a banking app that offers short-term installment loans. Unlike other cash apps or payday loans, Possible Finance reports your payments to the credit bureaus, so there's a chance to build credit if you make your payments on time. There's also no credit check for its loans.

There are fees, around $15 to $20 for every $100 borrowed, and you can borrow up to more than two times the amount Klover offers. But Possible can only lend in 18 states and the cost can be high — up to 200% APR in some cases.

Loan Amount $50 - $500
APR Varies by state; fees are $10–$25 per $100 borrowed in most states
Turnaround time As fast as 1 business day
  • Not available in: Alaska, Colorado, Connecticut, District of Columbia, Georgia, Illinois, Maine, Maryland, Massachusetts, Minnesota, New Jersey, New Mexico, New York, North Dakota, Pennsylvania, South Dakota, West Virginia, Wisconsin

How does Klover compare?

Klover is a unique banking app, and its most unique feature is its Points Program. You earn points when you watch video advertisements, refer a friend to the app or scan your receipts. You then apply these points toward perks like taking out small cash advances up to $30, paying for delivery fees and more.

Klover+ is the paid membership for $4.99 per month, which gets you additional features including a financial advisor, price comparisons and credit monitoring through Experian. But you don’t need the membership to get access to the cash advances — eligibility for that depends on your income, employment status and bank account.

Klover doesn’t charge any interest or late fees on its cash advances, but it can take around six weeks to qualify for the advances. It also only offers advances on income from a full-time job — since it technically isn’t offering a loan, the fair lending laws that protect against income discrimination don’t apply. For more information, read our full Klover app review.

Pros

  • Points Program
  • Low $4.99 membership for extra perks
  • No interest or late fees on advances

Cons

  • Doesn’t accept self-employment income
  • Can take weeks to become eligible for advances
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To make sure you get accurate and helpful information, this guide has been edited by Melanie Huddart as part of our fact-checking process.
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Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

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