Klover - Instant Cash Advance 4+

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…

This app is interesting for sure. The first time I signed in and let me borrow $100. I had to pay it back right away. You only get to use it for seven days even though it has direct access to my bank account and knows when I get paid it still wanted money back seven days later, which was on a in between week for me not a week I get paid Anyway anyways I paid it back anyways and then I need to borrow money again Way it would let me get more money was to sign up for a bunch of stuff everything that you sign up for cost you something whether it's a dollar $10 a month for a free Trayl invest five dollars now you have to spend money to get enough points to borrow money or you can play a game that it tells you to play and it says that in order to get enough points you have to get to a certain level of the game but whatever game you are playing you can only get to a certain part in that game without having to spend money so if I get to level eight This app will let me borrow money, but you can't get past level five unless you spend money in the game to buy more coins, so it is very tricky. You have to spend money in order to borrow the money.

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.