Klover - Instant Cash Advance 4+

Up to $200 Before Payday

Klover Holdings, Inc.

Designed for iPhone

    • Free

iPhone Screenshots


Your payday can’t come soon enough! That’s where we come in. Get a Klover cash advance up to $200 cash – even if your payday is 2 weeks away. And unlike banks, there are no late fees, credit checks or interest charges. Like, legit zero-zero.

* Enter your name, email and phone to sign up in seconds
* Connect your bank so we know where to send your money
* Pocket your cash in minutes –– get up to $200

But we’re not just a one-trick pony. Here’s why over 2 million people have made Klover their budget bestie:

Earn points for things like taking surveys and watching ads. You can then cash them out for a bigger advance or to enter our daily sweepstakes.

You’ve got a chance to win $100 every day. Plus, five people get to pocket $20. That’s over 2000 chances to win each year!

Level up your money game with Klover+ innovative budgeting tools. Create spend goals, opt-in to track your credit score, and earn extra points when you reach savings targets.

It’s not sci-fi, it’s borrowing from yourself. Ditch the banks with high fees or your friends with high horses. Get a cash advance through the Klover app with no credit checks, late fees or interest charges. Legit zero-zero.

We’re not your typical financial Institution. Our biggest goal is to see you financially free.

So, we’ll never charge you annoyingly high fees. Instead, we can give you a swiss army knife of money tools, plus immediate cash advances by leveraging your most valuable asset -– your data.

By transparently leveraging your approved data, we can provide low to no fee financial products and services to save you time and money.

Your data is always anonymized (we’ll never know who you are) and securely stored using 256-bit encryption (we’re talking military-grade, bank-level technology here). When you opt-in to our Truth in Data agreement, you’ll unlock all the Klover app perks –– like cash advances, budgeting tools, sweepstakes –– without any credit checks, late fees or interest charges. Nothing. Nada. Zilch.

Got a question? Reach out to us at info@joinklover.com

Disclaimer: Klover does not offer loans. We are NOT a payday loan, cash loan, personal loan, or app to borrow money. By validating your employment you can access money you’ve already earned.

What’s New

Version 2024.4.15

Hi there, hello! We hope you enjoy this round of fixed bugs and improved experiences, such as being able to view your advance details in even more scenarios now. We hope this helps!

Ratings and Reviews

4.7 out of 5
172.4K Ratings

172.4K 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!

Hopeb757 ,

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.

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.

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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