Klover Cash Advance: 2025 Review

Klover offers a paycheck advance to customers who link an external checking account and show at least three direct deposits from their employer.

Compare Klover to other cash advance apps, and consider alternative ways to get quick cash.

» COMPARE: The best cash advance apps in 2025

Klover cash advance amounts, fees and terms

How does Klover work?

Klover works by giving you an advance on your paycheck, ranging from $5 to $200. Some users may access higher advance amounts by participating in Klover’s points program, where you can cash out points for a larger advance (up to $300). You earn points by scanning receipts, taking surveys and watching video ads, among other tasks.

Once approved for an advance, you’ll receive the amount in your checking account within three business days. If you want the money sooner, you’ll need to pay a fast-funding fee, and the money will be delivered within a few hours. Klover points can also be used to cover fast-funding fees.

You’ll repay the advance amount, plus any fees or tips, on the date of your next payday (Klover will autowithdraw the amount you owe from your linked account). If you need more time, you can reschedule your payment once per month by reaching out to the Klover support team. You’ll need to make this request at least two business days in advance.

Klover offers a subscription to Klover+ for $4.99 per month, and includes features like credit monitoring and the ability to track upcoming bills, but you don’t need to subscribe to get a cash advance. When you first create a Klover account, you may be automatically enrolled in a 30-day free trial, so make sure to cancel in the mobile app before the trials end if you want to avoid the charge.

How to get a Klover cash advance

To get a Klover cash advance, download the Klover mobile app and link your bank account and debit card.

 You’ll also need to meet the following requirements:

• Must be physically located in the U.S.

• Must have an active checking account in good standing for at least 90 days. 

• Must show at least three direct deposits from the same employer in your checking account within the last 60 days.

• Must show weekly or bi-weekly direct deposit frequency.

• Names must match on each direct deposit.

According to Klover, even if you don’t meet its full list of requirements, you may still qualify for a $5 advance as long as your external account has a healthy transaction history.

Should you take out a Klover cash advance?

Here are some of the pros and cons of using Klover to get an advance on your paycheck.

Where Klover stands out

No mandatory fees: Klover has no mandatory fees, which means you won’t pay anything extra for early access to your paycheck. There’s only a fast-funding fee, which ranges from $1.49 to $19.99, depending on the advance amount. This fee is higher than Klover’s competitors, but you can avoid it by choosing the standard delivery option.

Strong customer protections: Klover has stricter eligibility requirements than other cash advance apps and requires both proof of recurring income and an established checking account. Though these requirements may be hard to meet for some borrowers, they’re ultimately a good thing that mean Klover will likely only lend an amount you can comfortably repay with your next paycheck.

Accepts external bank accounts: Klover doesn’t require you to open a bank account with the company to get a paycheck advance, unlike other apps. Instead, you can link your bank account in which your paycheck is already deposited.

Where Klover falls short

Small advances: Klover’s advance amounts are small compared to other cash advance apps, many of which offer $500 or more. Even if they participate in Klover’s points program, users will only get access to a maximum of $300.

Requests tips: Klover requests an optional tip for its service. Not all cash advance apps request tips and some may cap tips, so you don’t overpay. NerdWallet doesn’t recommend tipping for a cash advance, since this increases the cost of the advance, and you’re essentially paying to access your own money.

Limited customer service channels: Klover directs users to two customer service channels – AI-assisted chat and email. This may be frustrating for users who prefer to resolve issues over the phone or who would prefer to talk to a live agent instead of an AI chatbot.

How we rate Klover

Product affordability: 3/5 stars

An affordable cash advance app charges no or minimal fees, doesn’t ask for tips and provides overdraft protection.

Product flexibility: 2/5 stars

A flexible cash advance app has a large enough maximum borrowing amount to meet users’ needs, can provide funds quickly without charging a fee and offers repayment flexibility.

Customer experience: 1.5/5 stars

A customer-first cash advance app will have multiple ways to contact customer service representatives, maintain a thorough FAQ on its website and clearly disclose all fees.

Customer protections: 4.5/5 stars

A consumer-friendly cash advance app will evaluate a user’s bank account history, require recurring direct deposits and implement safeguards to help prevent overborrowing.

Discretionary additions or deductions: None

A cash advance app may earn a higher star rating by offering unique features that benefit customers. Similarly, an app may lose points by offering features that disadvantage customers.

Klover app reviews

Consumer ratings and complaints

At the time of writing this review, Klover holds an A+ rating from the Better Business Bureau (BBB), with about 75 complaints closed in the last year. BBB accreditation is an important feature to consider, since it helps establish legitimacy and provides an additional avenue for customers to file a dispute.

On Trustpilot, Klover is rated 2.6 out of five stars. Reviews are limited, but some users complain that Klover withdrew repayment on the wrong day or charged an unexpected subscription fee. According to Klover, a subscription isn’t required to get a cash advance, and you can email [email protected] to dispute charges.

In the Apple app store, Klover is rated 4.7 out of five stars, with over 260,000 ratings. In the Google Play store, Klover is rated 4.6 out of five stars, with over 110,000 reviews.

Frequently asked questions about Klover cash advances

Does Klover give you money instantly?

Klover can give you money instantly, but you’ll need to meet Klover’s eligibility requirements, as well as pay a fast-funding fee, which ranges from $1.49 to $19.99 based on the advance amount. There’s no fee for its standard delivery time (up to three business days).

What happens if I don’t pay back Klover?

If you don’t pay back Klover, it won’t take further action. This means Klover won’t report missed payments to the credit bureaus or engage in debt collection activities. However, you probably won’t be able to request another cash advance until you’re caught up.

Why is Klover not letting me get an advance?

Klover has many eligibility requirements. To qualify for a cash advance, you’ll need to have an active checking account in good standing for at least 90 days and show three recurring direct deposits from the same employer.

Compare Klover to other cash advance apps

Klover offers smaller cash advances than other apps. It charges zero mandatory fees, though its optional fast-funding fee is higher than other apps.

Other ways to get quick cash

Download a BNPL app: If you need cash to purchase an essential item, like a laptop or mattress, “buy now, pay later” apps like Affirm and Klarna may be a good option. These apps split your purchase into smaller installments, usually with no interest and no fees if you pay on time, and you don’t need good credit to qualify.

» MORE: What is BNPL and how does it work?

Explore other ways to make money: Instead of borrowing money, consider a temporary gig to cover small gaps in your budget. You can make money at home or online by selling things you don’t need, taking surveys and testing websites, among other options.

» MORE: How to make extra money online, offline and at home

Take out a friend or family loan: Friends and family are often an untapped resource for small loans. Though it may be difficult to ask for help, you can make it easier by drawing up a contract that clearly lists when you’ll repay the loan and if you’ll pay interest.

» MORE: Learn more about family loans

Consider a pawnshop loan: A pawnshop loan lets you borrow money by using a valuable item, like jewelry or electronics, as collateral. You leave the item with the pawnshop and receive a loan based on the item’s value. If you repay the loan, including fees, by the due date, you get your item back. If you don’t repay, the shop keeps the item.