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Klover pay advance app
Max. Amount
Turnaround time
Within 3 days or within hours for a fee

Our verdict

Earn extra points for bigger advances — but fees apply.

Klover offers up to $150 in cash advances up front, but you can earn $50 more—so you can get up to $225 in a cash advance—by watching ads, taking anonymous market research surveys and scanning your receipts. You won’t be charged interest on the advance, and the money will automatically be repaid to Klover on your next payday.

While it has some novel benefits, it’s not a good choice for people who don’t have set paydays or regular income. If you don’t mind waiting two to three business days for your money, the advance is free, but same-day turnaround requires an express fee. Klover’s express fees are a lot higher than its competitors, with Klover charging up to $12.29 for advances of $75 or more for the points product.

You can choose to subscribe to Klover+, a personal financial management service, for $3.99 a month, which offers budgeting tools and a rewards program. But you don’t have to be subscribed to use the cash advance feature.


  • No credit check required
  • No membership fee required to access advances
  • Earn points through the app to increase advance amounts
  • Clear security and privacy policies


  • High same-day funding fee, up to $12.29 for $75 or more
  • Relatively low advance amount
  • Uses your data for ad revenue
  • Inflexible repayment date

In this guide

  • Our verdict
  • Details
    • Product details
  • Your reviews
  • Ask a question


Product details

Product Name Klover pay advance app
Max. Amount $225
Loan Term Until your next payday
Turnaround Time Within 3 days or within hours for a fee
Costs No fees for basic advance, $3.99 membership fee for financial management service, $2.99 to $12.29 express funding fee
Requirements Checking account in good standing, minimum deposit of $250, regular weekly or biweekly deposits

Klover overview

The basic Klover app doesn’t check credit, charge interest or have fees for an advance. And unlike most apps that just rely on your take-home pay to calculate your advance, Klover gives you extra opportunities to “boost” your advance.


  • Maximum withdrawal: $150, or $200 with boosts
  • Cost: No fees or interest for a basic advance
  • Turnaround: 2 to 3 business days

Your repayment date is either your next payday or a date set by you in the app. Once your advance is repaid, Klover allows you to request another advance after three business days.


To qualify for an advance with Klover, you must meet these requirements:

  • Checking account in good standing and active over the last 90 days
  • Three consistent direct deposits from the same employer within the last two months
  • Paid on a weekly or biweekly schedule — monthly deposits are not accepted
  • US citizenship, permanent residency and a physical US address

Klover doesn’t accept deposits from unemployment, lenders or other paycheck advance companies as valid sources of income. However, you may still qualify with Social Security.

If you have any additional questions about whether you qualify, reach out to Klover customer service to see if your income qualifies.

Other features

Unlike most apps that just rely on your take-home pay to calculate your advance, Klover gives you extra opportunities to “boost” your advance, such as:

  • Taking surveys
  • Scanning receipts
  • Linking your Amazon account
  • Inviting friends to the app
  • Reviewing your monthly spending
  • Watching ads
  • Answering demographic questions

You’re not required to do any of these things, but each one gives you points toward an extra $10 to $50 on your advance. They can also be redeemed without an advance — so if you only need that extra $30 to avoid an overdraft, you won’t need to get a larger advance on your paycheck.


Klover+ is an additional service that includes credit monitoring through Experian and the ability to track spending habits. Plus you’ll have access to price comparisons for products, financial advisors and triple points when you scan receipts. This service charges a monthly $3.99 subscription fee.

Klover reviews and complaints

BBB accredited Yes
BBB rating A+
App Store Score 4.7 out of 5 stars, based on 145,000 customer reviews
Google Play Score 4.3 out of 5 stars, based on 52,900 customer reviews
Customer reviews verified as of 26 October 2023

Although Klover has entries on both Trustpilot and the Better Business Bureau (BBB) website, the reviews are extremely limited. It does have thousands of reviews on Google Play and the App Store. The majority of recent customers give it positive reviews. Most users say its a quick process and that boosts were relatively easy to get.

However, other users report problems with customer service, the verification process and the fees charged for quick funding. Some also mention that the points feature can be hard to navigate. Klover doesn’t respond to every low rating, but it appears to leave unique responses to address user concerns.

Klover vs. payday loans

Klover is much less expensive than payday loans, although you won’t be able to borrow over $225.

KloverPayday loans
AmountUp to $225 per advanceUp to $1,000
Turnaround time2 to 3 business daysAs soon as the next business day
CostsNo fees for a basic advanceFee of $15 to $25 per $100 borrowed
AvailabilityNo set state eligibility requirementsProhibited in some states

Is Klover legit?

Yes, Klover is a legitimate financial app. Klover states that data security is one of its priorities. The app is secured with 256-bit encryption, which is standard among pay advance apps and uses Plaid to connect your banking information.

According to its terms of service, Klover doesn’t sell or share your personally identifiable information. But if that information isn’t personally identifiable, then Klover may use it to make money.

And if you decide to stop using it, simply cancel and have Klover delete your information with an email to its customer support team.

Is Klover worth it?

Klover offers a standard advance amount of $150 for its users with the ability to earn points to add to your advance. But if you need a bigger advance, you’ll want to compare more pay advance apps to find one that meets your financial needs.

Name Product Filter Values Loan amount Turnaround time Requirements
Finder Score: 4.7 / 5: ★★★★★
Up to $750 per pay period, but only $100 per day
1 to 3 business days or instant for a fee
Direct deposit sent to a checking account, a regular pay schedule, a fixed work location or an online timekeeping system at work
No mandatory fees, no interest and no credit checks. Subject to EarnIn terms & conditions.
Chime SpotMe®
Finder Score: 4.2 / 5: ★★★★★
Chime SpotMe®
Up to $200
Qualifying $200 direct deposits into Chime checking account each month. Chime debit or Credit Builder card.
Access fee-free overdrafts up to $200 when eligible. Plus get your paycheck up to 2 days early with direct deposit. See Chime terms and conditions.
Finder Score: 4.1 / 5: ★★★★★
Up to $250
3 to 4 days standard transfer. Same day with $3.99 to $9.99 express fee.
Not stated
Automatically monitor your spending plus access cash advances up to $100 at a time.
Not rated yet
Based on the amount of accrued PTO
2 to 5 days
18+ years of age, live in eligible state, have W2 job with salary of $30k+, have PTO days accrued
Tap your unused PTO for a cash advance so you can access that money early. Available in: CO, FL, IL, MA, NY, NJ, TX, VA, OR, AR, NE, TN, ME, CT, WV
Go to site
Dave ExtraCash
Finder Score: 4.2 / 5: ★★★★★
Dave ExtraCash
Up to $500
Up to 3 business days or instant for a fee
At least two direct deposit paychecks to your bank account from your employer, extra money in your bank account
Borrow up to $100 to avoid hefty overdraft fees.

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