Klover App 2025 Review: Small Advances, Big Privacy Trade-Offs

3.0 _/5

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Read more: LendEDU’s highest-rated cash advance apps of 2025

Cash Advance

• Get a cash advance of up to $200 
• No credit check
• No interest
• Get personalized budgeting and savings tools and support for $3.99/month with Klover+

• Must share your data for cash advances, sweepstakes, fee reductions, and cashouts
• Massive variation in fees for instant funding

Funding	$5 – $200
Speed of advance	Same day with fee; 3 business days for standard advance
Fees	$0 for standard; $1.99 – $16.78 for instant transfer*

Klover offers fee-free cash advances up to $200 with no interest or credit check—but there’s a catch. To qualify, you’ll need to share your financial data and complete tasks in Klover’s in-app points program. It’s a unique model that trades your data for fast cash and budgeting support.

If you’re looking for a short-term borrowing option that won’t harm your credit, Klover could work, especially if you can wait a few days for funds. But if you want instant access or need a larger advance, be prepared to jump through a few hoops or consider alternative apps that require fewer steps.

In this review, we’ll break down how Klover works, who qualifies, and why we think several cash advance apps are better options than Klover.

We don’t recommend Klover due to its current LendEDU editorial rating (determined by a number of factors) but in particular to the potential data security issues and the addictive “gamification” of the app (points, sweepstakes) which doesn’t encourage users to break the debt cycle they’re living in.

If you’re looking for a one-off cash advance, we recommend the following companies instead. (If you find Klover interesting for your needs, keep reading to learn more!)

Table of Contents

1. What Is Klover?
   1. Points Program
   2. Klover+ Budgeting tools
   3. Klover Boost
   4. Daily Sweepstakes
2. Qualification requirements
3. Fees and costs
4. How Klover uses your data 
5. Pros and cons
6. Alternatives
7. How to get a Klover cash advance
8. Klover FAQ
   1. How fast can you get money from Klover?
   2. Why won’t Klover give me an advance?
   3. What happens if I don’t repay Klover?
9. How we rated the Klover cash advance app

What Is Klover?

Klover connects to your checking account and offers cash advances from $5 to $200. There’s no credit check or interest—but if you want instant funding, you’ll pay a fee between $1.99 and $16.78.

• Standard funding: Free, takes up to 3 business days
• Instant funding: Costs vary and aren’t clearly disclosed upfront
• Repayment: Automatically scheduled on your next payday

To access a higher advance, you’ll need to participate in Klover’s in-app points program.

Points Program

To unlock larger cash advances, you must earn points through Klover’s in-app tasks:

• Take surveys
• Watch ads (60 to 90 seconds)
• Scan receipts that match your debit card transactions
• Link accounts (e.g., Walgreens, Target)
• Sign up for offers from Klover’s advertising partners

Points can also be redeemed to:

• Reduce or eliminate express fees
• Enter daily sweepstakes for cash prizes

Klover uses these tasks to gather data, which it monetizes to offer free advances. If this isn’t your thing, you can opt out of the Points Program by emailing [email protected].

Klover+ Budgeting tools

Klover+ is a paid upgrade ($3.99 per month) offering:

• Bill Manager, which tracks upcoming bills and helps you create a budget.
• Smart Spending, which allows you to monitor spending, with expenses broken into categories, and lets you compare against what your peers have logged.
• Kloverize, which lets you scan receipts for real-time price comparisons.
• Credit Monitoring, which offers daily credit score updates via Experian.

You don’t need Klover+ to get a cash advance, but you can earn extra points by meeting budgeting goals with the premium version.

Klover Boost

Klover Boost is another feature to possibly increase your cash advance limit. This feature is unlocked based on:

• Age of linked bank account
• History of recurring deposits and transactions
• Responsible use of previous advances
• Points activity within the app

Daily Sweepstakes

Klover runs a Daily Sweepstakes program where users can enter by spending 50 points. Winners are randomly selected and typically include:

• One $100 winner daily
• Five $20 winners daily

This is positioned as an incentive to stay engaged with the app’s ecosystem.

Who qualifies for a Klover advance?

Klover has strict eligibility rules. You may qualify if:

• You receive at least three consecutive direct deposits into a checking account (not savings)
• Your income is from a traditional employer (not self-employment or gig apps)
• You’re paid weekly or biweekly (not monthly)
• Your checking account is at least 90 days old, in good standing, and shows consistent cash flow

Deposits from Venmo, PayPal, ATMs, or cash transfers won’t count.

What are the costs of a Klover cash advance?

Klover doesn’t charge interest on its cash advances, and standard delivery is free, which makes it look appealing at first glance. But the real cost comes from optional instant funding fees and data-sharing requirements.

Here’s what to expect:

• Instant transfer fee: If you want your money right away, you’ll pay between $1.99 and $16.78. Klover doesn’t clearly explain how it calculates this range, which can make costs unpredictable.
• Klover+ subscription (optional): For $3.99 per month, you can unlock budgeting tools and more ways to earn points—but you don’t need it to access cash advances.
• Data sharing: Klover makes money by sharing your financial data with advertisers. This isn’t a direct fee, but it’s a cost in terms of privacy.

Bottom line: If you’re OK waiting a few days for free delivery and don’t mind sharing your data, Klover may be a low-cost option. But if you want fast cash without the privacy trade-offs, other apps may be more transparent and affordable.

How Klover uses your data 

Klover’s services are free because it collects and shares user data with advertising partners. Shared data may include:

• Location
• Transaction and purchase history
• Account details and identifiers
• Credit score
• Financial and personal info

The app uses bank-level encryption to secure this information, but sharing your data is required to access the free features and larger cash advances.

Pros and cons

Like many cash advance apps, Klover has both strengths and trade-offs. Here’s a quick rundown:

Pros

• No credit check

  You can qualify based on income and account activity—no credit history needed.

• No interest

  Unlike payday loans, Klover doesn’t charge interest on your advance.

• No mandatory fees

  Standard transfers are free if you’re willing to wait a few days.

• Budgeting tools available

  Klover+ offers some handy features for managing your money.

Cons

• High instant transfer fees

  You could pay up to $16.78 to get money instantly, which is steeper than many competitors.

• Data sharing required

  You must agree to share personal and financial data to use the app and unlock certain features.

• Tedious points system

  Larger advances require earning and spending points, often by watching ads or completing surveys.

• Not for all income types

  Klover doesn’t support gig workers, monthly earners, or people with inconsistent pay.

Alternatives to Klover

Klover stands out for offering small cash advances without interest or credit checks, but it requires you to complete time-consuming tasks and share personal data in exchange for access. You also need to meet strict eligibility requirements and potentially pay high instant transfer fees—up to $16.78, which is among the highest in the industry.

If you’re looking for a faster, more user-friendly option with fewer hoops to jump through, here are three higher-rated cash advance apps:

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• EarnIn: Best overall

EarnIn lets you access up to $750 per pay period with no mandatory fees, no credit check, and no points system to manage. There’s no monthly membership fee, and standard transfers are free. If you need cash instantly, you’ll pay a low, flat fee of $2.99 to $4.99, far less than Klover’s maximum. Plus, EarnIn offers useful tools like Balance Shield alerts to help avoid overdrafts. And unlike Klover, you don’t need to watch ads or share receipts to qualify for larger advances.

• Brigit: Best for repayment flexibility

Brigit gives advances up to $250 and stands out for letting you choose your repayment date, which can help if you’re juggling bills across multiple pay periods. Its Plus plan includes budgeting tools and credit monitoring, and express funding is free for most users—no confusing point systems or surprise fees. If you need predictable costs and more control over your repayment, Brigit is a better choice.

• Empower: Best for overdraft reimbursement

Empower provides up to $300 in cash advances and offers a robust app with automatic savings, spending tracking, and budgeting guidance—tools Klover only offers through its $3.99/month Klover+ subscription. Empower’s $8 monthly fee covers the full suite of features and advance access. Its instant funding fees range from $1 to $8, depending on how much you request. While Empower charges a subscription, many users find the broader financial tools worth the investment.

How to get a Klover cash advance

1. Download the app: Find Klover in the App Store or Google Play
2. Create an account: Enter your name, address, employment info, and more
3. Link your checking account: This verifies income and deposit activity
4. Receive three direct deposits: Weekly or biweekly from the same employer
5. Earn points: Complete tasks to qualify for larger advance amounts
6. Request your cash advance: Choose a payback date (your next payday)

Klover FAQ

Is Klover legit?

Klover is a legitimate cash advance app.

Source	Customer rating	Number of reviews
App Store	4.7/5	253K
Google Play	4.6/5	106K

Klover’s app earns high ratings in the app stores from thousands of reviews. Reviewers comment on how it is to use but dislike the number of tasks needed to build up to a higher cash advance amount. 

Is Klover worth using?

Klover could be worth it if:

• You’re OK sharing personal data
• You need a small, free advance and can wait a few days
• You like earning rewards through in-app tasks

It might not be right for you if:

• You want larger advances with fewer steps
• You need instant cash without a hefty fee
• You prefer a more private approach to borrowing

Can you change your Klover advance due date?

No. Klover sets the repayment date based on your next payday. If you want the option to change your due date, take a look at Brigit cash advance app.

Will Klover’s advance cause an overdraft fee?

The app tries to avoid overdrafts by analyzing your transaction history, but it can’t guarantee you won’t get one. Monitor your account closely.

How fast can you get money from Klover?

You can pay for instant funding (as fast as a few hours) or wait three business days for free delivery.

Why won’t Klover give me an advance?

You may not qualify if your deposits are irregular, come from gig work or cash sources, or if your bank account is too new.

What happens if I don’t repay Klover?

Your account may be locked until you repay the balance. It could also hurt your credibility with the app, limiting future access.

How we rated the Klover cash advance app

Since 2023, LendEDU has evaluated personal finance apps to help readers find the best cash advance solutions. Our latest analysis reviewed 180 data points from 9 apps and financial institutions, with 20 data points collected from each. This information is gathered from company websites, online applications, public disclosures, customer reviews, and direct communication with company representatives.

These star ratings help us determine which companies are best for different situations. We don’t believe two companies can be the best for the same purpose, so we only show each best-for designation once.