Klover - Instant Cash Advance 4+

Borrow money before payday ‪$‬

Klover Holdings, Inc.

Designed for iPhone

    • Free

iPhone Screenshots


Need some extra cash? Klover gives you a $100 instant cash advance before you get paid. No credit check. No interest. No hidden fees. No payback period.

The Product:
Klover is the first cash app to give you access to your earnings early. Access a salary advance before you get paid. Sign up to earn money - even on the same day. It’s your money!

Aside from instant cash, Klover also offers innovative budgeting tools to help you stay financially stable and protect you from expensive lending and overdraft fees. We like to empower you this way.

Stop asking friends and family to borrow money. Stop waiting in long lines and dealing with employees who couldn’t care less. Borrow money from yourself instead. Buy now, pay later.

Just use Klover for all of your rainy day money needs and get money now with a cash advance - never run short on cash again.

Sign-up is as simple as downloading the cash app and logging in. No complicated paperwork, credit checks, excess fees, or hidden expenses are required. We don’t need your employer to sign up for an account, either. Buy now, pay later. We say yes when others say no - we approve more customers for a fast cash advance.

Our Mission:
It’s simple. Your data, your benefit. It’s your most valuable asset, why not use it to make money?

We help you monetize your data in-app through points. Then, use those points to pay fees and enter into free daily sweepstakes - make money and win big. The next winner could be you!

How do we do it? We unlock these products and services by transparently leveraging your approved data to save you time and help you earn money. Our customers have already saved hundreds of dollars a year.

We’ve revolutionized the cash advance playing field by offering an instant cash advance alongside other financial services like automated budgeting and saving tools. This is low-cost access to modern financial services that empower you.

How Klover Works:

1. Sign up in seconds
Simply tell us a little about you, link your bank account, and verify your wage. We will never check your credit.

2. Data opt-in
Your data is your asset. Opt-in to our Truth in Data agreement, and begin using Klover’s suite of financial products.

3. Get instant cash and tools
Whether you’re taking a cash advance or checking your budget, Klover has your back. Access tools to improve your financial wellness and get instant cash whenever you need. No questions asked.


“The entire process start to finish was incredibly easy and straightforward. It also only took a few minutes to fill everything out. They’re up front about everything and are really quick to respond if you have any questions. A great service!”
Mitch M

“On one occasion I needed to get my dad a ride in the middle of the night. I had just paid bills, so I didn’t have the money. Well Klover came through with an instant boost and he made it to the hospital. It turned out to be something minor, but what a relief. Thank you Klover!”
Will L

Klover uses the highest bank-level standards for encrypting all of your information. We never share your personal data. We use Plaid to link your bank account.

Other Features:
Points: Earn points to unlock more cash boosts. Redeem them in seconds!
- Scan receipts
- Save money
- Check your spending

Introducing Klover+ Plus
Credit monitoring included
See your spending habits and projected earnings with the financial dashboard
Oversee spending categories
Build saving strategies
Identify overspending areas

Contact Us:
Please reach out to info@joinklover.com with any questions or concerns.

Klover is not affiliated with Clover, Dave, Daily Pay, FloatMe, Earnin, Empower, Possible Finance, MoneyLion, Brigit, Albert, Cleo, Branch, Even, or Cash App.

Disclaimer: Klover does not offer loans. We are NOT a payday loan, cash loan, personal loan, or app to borrow money.

By validating employment you can access money you’ve already earned whenever you want to.

What’s New

Version 3.45.2

Aloha! In this update, we fixed the bug where you'd suddenly get logged out whenever you'd tap anything on the home screen. We hope you like this update and we hope you're well!
We always appreciate your feedback whenever you encounter a problem within the app.

Ratings and Reviews

4.7 out of 5
86.8K Ratings

86.8K Ratings

A. Scott C. ,

Klover Initial Review

Klover is very simple to use, and easy to understand, with many opportunities to earn sone extra cash, spend sone time looking at fresh and new opportunities, and just having some fun.

The simple to apply, cash advance feature is very helpful and provides an extra financial cushion for when a little bit of money is needed. I'm not totally sure because I haven't fully read the information on all the Site, but the only concern I can think of is when a small loan is taken out, say around mid-month, then due to be debited from one's checking acct, say around the 25th of the month and the acct holder doesn't get another pay deposit until the first of the following month, I'm guessing this would cause additional costs or fees, and possibly cause difficulty acquiring another advance in the near future; however, I'm not sure because I did not notice any explanation or additional measure that Klover may provide, but I also haven't asked that question of them, nor did I log onto the actual Website to see if there is anything provided on this subject. Other than that, the App is "two thumbs up" for me, and well worth having. Thanks!

Holly Woulld ,

Eh, 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.

Developer Response ,

We appreciate your feedback. We're continuously working to improve our app, and we just revamped our points system and included instant delivery fees. The majority of customers can receive their boost within minutes now. I'm so sorry that we didn't live up to your early expectations. We obviously fell short, and I apologize. Feel free to browse our app again, and if you have any questions, please contact our support team at support@joinklover.com.

valentinaph ,

Not 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…

App Privacy

The developer, Klover Holdings, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Other Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Other Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Contact Info
  • Contacts
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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