Klover - Instant Cash Advance 4+

App Has Its Glitches, but Impressed w/ Changes

I’ve been using Klover for years and it’s had its ups-and-downs with glitches and changes. I am impressed with the improvements with contacting Support and their responses recently. In the past it was difficult to get a response but now it seems to be managed a lot better with quicker replies and helpful Support staff. I recently had an issue with my payment for a loan I took out not being processed. It did take a while to resolve, the app for some reason would not process my payments (even though my banking and debit card info were correct) and when I contacted Support multiple times, they would submit the payment for me - but it would still not process. I eventually had to escalate the issue but was contacted immediately by Kayla and she was amazing! Professional, friendly, empathetic, and very clear in what steps needed to be taken to resolve everything. She assured me she would be in contact, and she was. She reached out to me, I didn’t need to chase anyone around for a response, she did everything she said she would do, and the issue was resolved quickly once it reached her. Like I said, the app has its glitches, but it seems to be managed a LOT better than in the past and I will continue using it.

Developer Response ,

Hey there, if the payment is not coming through the app, then the invoice is the only other method we can use to collect the payment. Please follow the instructions as stated in the email from the agent you are speaking to in order to finish processing this for you so we can then apply it to your account and close it out.

Lots 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.

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.