Klover - Instant Cash Advance

• Free

Last verified 30 Aug 2026

4.8 374855 ratings · App Store

1. 5/5Such a great advance app!

   I've been using the Klover app for several months now, and I can confidently say it's one of the best and most immediate advance apps available. The user interface is incredibly intuitive, making it easy for anyone to navigate through the various features without any hassle. From the moment I downloaded the app, I was impressed by how quickly I could set up my account and start using it. One of the standout features of Klover is the speed at which you can receive an advance. Unlike other apps that require lengthy approval processes and extensive paperwork, Klover streamlines everything. The process is simple: link your bank account, provide the necessary information, and within minutes, you can receive an advance on your paycheck. This immediacy is a lifesaver, especially in emergency situations where you need funds quickly. Moreover, Klover doesn't charge interest on the advances, which is a huge plus. Instead, they rely on optional tips and data-sharing agreements to keep the service running. This model is not only innovative but also fair, ensuring that users aren't burdened with high fees or interest rates. Additionally, the app provides useful financial insights and budgeting tools that help you manage your finances better. Overall, Klover is a reliable, efficient, and user-friendly app that stands out in the crowded field of advance apps.

   Hodan Halane · 30 Aug 2026

2. 5/5Not so bad

   The app works and gets the job done, when I first downloaded it was under the promise you’ll get up to $250. If you really think that’s gonna happen good for you, but that’s a lie, the max amount I have gotten was $100 and if you don’t use the app in one payment cycle, the amount will start going down again, so it’s made to keep you getting money in order to get a higher limit, otherwise they’ll stop giving you from a $100 down to maybe $30. Also, in order to get money you need to have about 900 points, which you get the points very slowly and when they have promos like “scan 2 receipts and get 200 points” is a lie, never works, so basically you really have to work your points getting 5 points for each receipt or 10 for watching adds… just imaging how many adds you need to watch to get 900 points, do the math, crazy. If you’re patient and you aren’t really in a emergency then go ahead and use it, if you need good amounts of money and quickly this app is not for you. A good example of fake offers is this one right here, I’m supposed to get 200 points for leaving a review, but as soon as I go back to the app this is what pops up “offer wall error, unable to fetch offers. Please contact our help center for further assistance.” Like please, I would understand if it happened once or twice but it happens all the time…

   valentinaph · 30 Aug 2026

3. 5/5Good if you want an advance based of..

   Good if you want an advance based off the amount of points you gain from signing up with their partners, watching videos, etc.. I got a $30 advance off of 900 points. Transaction fee of $4.95 for immediate deposit into your account which is pretty unfair i would say in my opinion. Considering they are making all this money off of transaction fees- they could atleast make the advance amount a lot higher than what it is. It’s misleading initially in the advertisement- as far then giving you an up to $200 advance. I’m still waiting on them to verify my bank account and I swore that’s what the advance was based off—meaning deposits that are going into your bank account. I still have to rate the “Dave” app as the best. Because it was instant to receive my $100 advance with Dave- all I had to do was link my Varo bank account and proof of deposits is what he looks for! With Klarna I’ve done everything under the sun for the Klarna points to get an advance and I just don’t have the time to keep doing survey after surgery ad after ad, watch video after video, and signup after signup- Im a single mother with 2 kids and one is 18 months old it just not feasible. Seems like it’s impossible to get even a $100 advance. Every 900 points is a $30 Boost which REALLY isn’t $30 once you subtracts the $5 transaction fee to get the money Instantly. DAVE IS YOUR BEST BET. Unless you have time to watch these ads and scan receipts etc etc to earn boost points in order to get yourself a $30 Boost (a boost is they’re “term” for what is really an advance.

   Sara Balsamo · 30 Aug 2026

4. 3/5Lots of Work

   The app in service is OK but it’s a lot of work to get a Cash Advance that you still have to pay fees for. Other apps you can just apply for the advance and pay the fee. We have the points and then still pay a fee so it’s a lot. Even when you do it to help with the fees, the amount of points you need to even get $.50 off is so crazy. Use the points system to increase the amount you can get or to decrease fees or to extend repayment dates or something to that nature but the way you have it set up now it’s just too much work unless you really really need it and even if you really really need it they are just other apps out here that don’t require all of this. I like the concept but I think it just needs to be tweaked a little bit so it can be user-friendly worth while to the user. People aren’t going to spend an hour on your app trying to get $50 when they can just go to another app, spend the same amount in fees and get $50 in less than 10 or 15 minutes. Even with that though I think your site is awesome especially being able to link the stuff that you use like places, you shop and etc. Maybe you could even add in gas points or something. You have a great concept it just seems like it’s not synthesized for the actual user. Once you make that connection, I think this would really top the others. I hope this helps and thanks for asking for my feedback and of course thanks for the advance lol.

   Hopeb757 · 30 Aug 2026

5. 3/5Eh, not great in comparison to competitors

   Firstly, as a person who has a long-standing consistent direct deposit history with a relatively high-earning occupation, the most I have ever qualified for is $45 off the bat. If I factor in the “points system” (which I have mixed good and bad feelings about), the maximum has been $70. This is typically during a week where I work many days in a row and allow my location services to be on at all times with this app. During weeks of paid vacation, I’ve seen this drop down to $10 (LOL) I regularly log into upload receipts, as I use several receipt tracking apps for points. NEVER have I seen anywhere near the $130 advertised all over the place. The interface/design of the app is lovely & modern. The “instant” boost costs $9 and is processed the following business day if requested after 10:30AM CST (rendering the “instant” perk virtually useless and an unnecessary $9 fee (which is also by far the highest “instant” fee among its competitors). When I add up all these irritating obstacles and shortcomings, I find myself using this particular app among the last if I find myself in a pinch in need of cash, as I know the reality is I may receive $25 in like five business days in most scenarios. Typically, my cash flow situation is solved by then, rendering this app more tedious and useless. FYI, apps like Solo, Branch, MoneyLion, Brigit, and even FloatMe have actual “Instant” perks which cost half are literally instant.

   Holly Woulld · 30 Aug 2026

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