iPhone Screenshots


Klover: $250 between paychecks; Cash Advance

The end of Overdraft. No Credit Check. No Interest. Don't wait for payday.


Never run short on cash.
No credit check.
No lines.
No paperwork.
No stress.
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.


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!”

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.


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 info@joinklover.com with any questions or concerns.

Klover is not affiliated with Clover, Dave, FloatMe, Earnin, MoneyLion, Brigit, Albert, Cleo, Branch, Even, Cash App.

What’s New

Version 3.15.1

Enhancements and bug fixes

Ratings and Reviews

4.7 out of 5
23.2K Ratings

23.2K Ratings

EmberTomaras ,

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!

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.

Mfmikef ,

Inconsistent, and bad customer service

I’ve had this month for up to 3 months. Things were going fine, besides the normal issues you’d get among at other apps too. Main issue first started when an expedited request I mad at 5.00 on a Sunday didn’t hit my account until Friday morning 5 days later the same day customer service finally got back to me. The 4-5 business days shouldn’t be that long for a simple email considering usually first responses don’t even solve the problem if it’s something that still hasn’t fixed itself within those 4-5 days. It’s also inconsiderate considering most people using this app cannot wait 4-5 days for something they expedited in less than 1 and still get forced to pay a 9.99 charge (for $100 advance). The final straw came when all the sudden my bank connection needed to be reconnected and I kept getting the same message when I went to do so “Your account already connected” Plaid reached back to me within a day explaining what to do as well as telling me to reach out to Klover, which I of course did before hand. Still 6 days later no email response. I actually sent a 3rd message out to Klover as I was furious over the customer service to just cancel my account. Rather than emailing me back over my original issue or even trying tj solve ANY issue I’m having with them which I made clear in my final email they just rather not dealt with any of it and canceled my account for me. Super disappointing.

Developer Response ,

Hi there,

Thank you for your review. I really appreciate you taking out time to bring this to our notice. Your feedback has been shared with the entire team. Our team will try to get to the bottom of this. Please contact us directly at support@joinklover.com.

Klover Team

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


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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