Klover is a personal finance app that offers small advances to qualified users up to $200 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 $3.99 monthly 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.
Chime SpotMe offers a free, optional overdraft feature for Chime customers with an active debit card. If you accidentally overdraft your account, SpotMe “spots you” anywhere from $20 to $200, depending on your direct deposit activity and other factors. This means you could potentially borrow up to $20, like Klover, but with no extra fees or interest charges.
To get SpotMe, you need to activate the feature within your Chime app settings – look for the Overdraft fee-free option – and you need to have at least $200 in direct deposits every month from a regular payer to qualify. But it's a neat feature that won't cost you anything to use, and it could save you a bundle in overdraft fees.
Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Direct deposit: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. SpotMe: Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each at least once every 34 days. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.
Pros
Get other Chime users to send you boosts to increase your SpotMe limit
Earnin is a cash advance app that lets you borrow up to $750 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 $100 a day to a linked bank account, or more than $100 per day to an Earnin card. Regular transfers are available in one to three business days or in minutes for a fee.
Available in all states
Pros
No credit check required
No mandatory fees, interest or tipping
Free credit score tracking included
Cash Out more than $100 per day with an EarnIn card
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.
Available in all states
Pros
No payslips or W-2 forms required
No credit checks or interest charged
Set personalized savings goals
Cons
Cash advances through the app require paid plan of $5.99 a month
Same-day transfers cost $3.99
Mixed customer reviews
Loan amount
Up to $250
Loan Term
Varies
Turnaround time
3 to 4 days standard transfer. Same day with $3.99 express fee.
Loan amount
$20 - $250
Turnaround time
3 to 4 days standard transfer. Same day with $3.99 express fee.
Albert doesn't require a monthly membership fee to access its cash advances up to $250 — slightly higher than Klover's limit. It also has instant delivery for a small fee of $6, and if you have the Genius paid membership, you can get instant delivery for free. But the membership costs $14.99 each month.
On the downside, Albert's review was largely negative, mostly related to poor customer support and no customer service phone line. And when you sign up for Albert, you're automatically enrolled in a free trial of the paid membership that you'll have to remember to cancel within 30 days to avoid the charge for Genius.
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 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.
OppLoans offers bad credit personal loans with no credit check, and unlike Klover – you could get your money as soon as the same day you're approved. While APRs can reach 179% with OppLoans, you can potentially borrow much higher amounts than with a cash advance app.
OppLoans' loan amounts range between $500 to $4,000, 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.
Not available in: Colorado, Connecticut, Georgia, Iowa, Maryland, Massachusetts, New York, South Dakota, Vermont, West Virginia
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 580 and you can borrow up to $35,000 with APRs starting at 9.95%.
There is an administrative fee of 4.75% 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.
Not available in: Colorado, Hawaii, Iowa, Nevada, New York, Vermont, West Virginia
Personal loans from $2,000–$35,000. If approved, the actual loan amount, term, and APR that a customer qualifies for may vary based on credit determination and other factors. Avant branded credit products are issued by WebBank, member FDIC.
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 $200 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.
Dave has one of the lowest monthly membership fees at only $1 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.
MoneyLion doesn't require a monthly membership fee to get cash advances up to $500 — much more than you can borrow with Klover. There are no credit checks and no interest charges with the advances.
And if you enroll in the RoarMoney paid membership for a $1 administrative fee each month, you may be able to borrow as much as $1,000 or up to 80% of your paycheck, depending on your income. And as long as you show you can afford repayment, you'll be eligible to get multiple advances with no required cooldown period.
MoneyLion does have to determine your eligibility for an advance, but your income doesn't have to come from an employer. The app cares more about your deposit frequency and amounts. But know that MoneyLion has had issues with regulators, as it was sued by the Consumer Finance Protection Bureau (CFPB) for overcharging service members and it has many complaints on its BBB profile.
Available in: Alabama, Arizona, California, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Louisiana, Maryland, Michigan, Missouri, New Mexico, North Dakota, Oklahoma, South Carolina, South Dakota, Texas, Utah, Washington, Wisconsin, Wyoming
Pros
Higher borrowing amounts than Klover
Options for unemployed and self-employed individuals
No credit check
No interest or required monthly membership fee
Cons
Troubles with regulators in 2022
Over 1,262 complaints on BBB
Loan amount
Up to $500 or $1,000 with RoarMoney account
Loan Term
Due by your next pay date
Turnaround time
Up to 5 days or instant for a fee of $0.49 to $8.99
Loan amount
$50 - $500
Turnaround time
Up to 5 days or instant for a fee of $0.49 to $8.99
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 460% APR in some cases.
Available in: Alabama, California, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington
Pros
Reports payments to credit bureaus
Borrow up to $500
No membership fee
Cons
APRs can reach 460%
Limited state availability
Loan amount
$50 - $500
Interest rate type
Fixed
Loan Term
2 to 8 weeks
Turnaround time
As fast as 1 business day
Loan amount
$50 - $500
Turnaround time
As fast as 1 business day
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 $3.99 monthly 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.
Bethany Hickey is a personal finance writer 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.
If you’re considering using Lenme for a pay advance but its negative reviews are holding you back, we’ve lined up 10 alternatives that could offer more reliability and transparency.
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Advertiser Disclosure
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
