Earn extra points for bigger advances — but fees apply.
Bottom line: Klover is a pay advance app available on both Google Play and the App Store. It doesn’t charge fees or interest on advances. But you will pay for expedited services and additional features. Get our 30-second take or read the full review.
As soon as the same day with fee; 2 to 3 business days for no fee
$2.49 membership fee, $1.99 to $14.98 same-day turnaround fee
Checking account in good standing, minimum deposit of $250, regular weekly or biweekly deposits
Ability to increase advance amount
Security is a priority
Low cash advance amount of $100
Monthly membership fee of $2.49
High same-day funding fee up to $14.98
Inflexible repayment date
Our take on Klover
Klover is best for people who have regular paychecks and only need a small advance of $100. Its fees are optional, but its low limit may make it less useful than other apps offering limits of $250, $500 or more. But unlike other apps, Klover gives you opportunities to raise your limit by an extra $30 by doing things like taking surveys or watching ads.
While it has some novel benefits, it’s not a good choice for people who don’t have set paydays or regular income. It’s also slower than some other pay advance apps unless you choose expedited processing, which may come with a fee of up to $14.98. This is pretty pricey compared to other apps, like Branch Pay or Dave, for example, that charge between $1.99 to $4.99 for expedited transfers.
If Klover’s cash advance limit of $100 it too low and you don’t like the idea of performing activities to raise this limit, compare more pay advance apps to find one that better suits your financial needs.
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: $100, or $130 with boosts
Cost: No fees or interest for a basic advance
Turnaround: 2 to 3 business days
Your repayment date will be automatically set based on the days you regularly get paid. This can’t be changed, and you can’t repay your advance early. Once your advance is repaid, Klover will allow you to request another advance within 24 to 48 hours.
To qualify for an advance with Klover, you must meet these requirements:
Average deposit of at least $250
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
Checking account in good standing with a positive balance of 13 cents or more
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.
It also states that direct deposits must come from a participating employer but it doesn’t have a list of eligible employers on its website or app. Reach out to its customer service to see if your income qualifies.
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:
Linking your Amazon account
Inviting friends to the app
Reviewing your monthly spending
Answering demographic questions
It’s not required to do any of these things, but each one gives you points toward an extra $10 to $30 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.
Klover reviews and complaints
App Store Score
4.7 out of 5 stars, based on 63,000 customer reviews
Google Play Score
4.4 out of 5 stars, based on 36,082 customer reviews
Customer reviews verified as of
26 April 2022
Although Klover doesn’t have reviews on Trustpilot or a presence the Better Business Bureau (BBB) website, 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 that it is 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 boosts feature is annoying compare to other apps that don’t have this. 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 $100.
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 $100 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.
Kellye Guinan is a freelance editor and writer, specializing in consumer lending. Her writing and analysis has been featured on Bankrate, MSN and MediaFeed. She holds degrees in anthropology and German language and literature from Middle Tennessee State University.
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