Klover: $130 between paychecks; Cash Advance
The end of Overdraft. No Credit Check. No Interest. Don't wait for payday.
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The end of overdraft.
Klover is the first platform to give you access to your wages early: innovative tools to help you stay financially stable and protect you from expensive loans, predatory payday lending, and overdraft fees. Sign-up is simple and does not require complicated paperwork or credit checks.
Your data, your benefit.
We’re systematically leveling the playing field by giving low cost access to modern financial services. How do we do it? We unlock these products and services by transparently leveraging a valuable asset, your permissioned data. Our customers get it and have already saved hundreds of dollars a year.
HOW KLOVER WORKS
1. Sign up in seconds
Simply tell us a little about you, link your bank account, and verify your paycheck. 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. Fast access to cash and tools
Your account gives you tools to improve your financial wellness and access cash whenever you need it. 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!”
"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!"
Klover uses the highest bank-level standards for encrypting all of your information. We never share your personal data.
Earn Points for more boosts!
- Scan receipts
- Save Money
- Check your Spending
Klover Personal Financial Management Hub
- Track your monthly spending by category
- Analyze your cashflow with our "money in - money out" tool
Please reach out to firstname.lastname@example.org with any questions or concerns.
Klover is not affiliated with Clover, Dave, Earnin, MoneyLion, Brigit, Albert, Cleo, Branch, Even, Cash App.
Enhancements and bug fixes
Ratings and ReviewsSee All
It’s a good app! Just a few suggestions.
The app is definitely helpful, and I’ve enjoyed it and find it unique amongst similar apps, but there are a few things worth mentioning that could be worked on. The first would be that you have to gain points to have an advance available as opposed to having that as an option but also giving a base amount once direct deposits have been verified through our checking accounts. I do also like the option to add value to your advance by scanning receipts, but I purchase about half of my things with cash for better budgeting purposes, so the need to find receipts with my account number was a bit disappointing and I think it might be something good to consider for others as well! I have enjoyed you all’s platform and it truly is helpful and unique, I just thought these things might give users an even better experience with you all!
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.
WARNING: STAY AWAY. Shady and not as advertised
I never give the personal bank info they ask for like your passwords and stuff to anyone or entity ever doesn’t matter how legit or who you are but annoyed at myself for falling for exactly what was worried about..worse is can’t do much about it yet and unsure if anything will happen. All I’m going to say is they ask for all the info and process it and then nothing - they got all my info and not getting anything - don’t think they’re not checking stuff - It’s shady when they say what they require as in how long accounts been open amounts etc etc and I surpass they’re requirements by far. The reason they give that I can’t use them isn’t true, I clearly do have what they say i don’t. The to top it off you can’t delete anything. Or change anything. You can submit a request where they’ll get back to you in a few days it says but that’s it. So they have all the info I can’t delete or change anything or close account nothing they got it and won’t give me anything and now crossing my fingers they process my request who knows when. If i hear back at all but who knows I just don’t like this at all it’s not right. Even if they do i guarantee it’s going to be a back and forth long drawn out hard time if and when anything is undone. I don’t advise i warn do not use this.
- Klover Holdings, Inc.
- 171.6 MB
Requires iOS 11.4 or later. Compatible with iPhone, iPad, and iPod touch.
- Age Rating
- This app may use your location even when it isn't open, which can decrease battery life.
- © 2020 Klover Holdings, Inc.
With Family Sharing set up, up to six family members can use this app.