Klover - Instant Cash Advance
Klover Holdings
4.6 ★
137K ratings
1,000,000+
downloads
Free
With this financial app, you can request cash advances up to $400 without interest or fees and manage your budget using built-in tools. Includes survey opportunities, ad viewing, and savings tracking features.
AppRecs review analysis
AppRecs rating 4.2. Trustworthiness 0 out of 100. Review manipulation risk 0 out of 100. Based on a review sample analyzed.
★★★★☆
4.2
AppRecs Rating
Ratings breakdown
5 star
80%
4 star
8%
3 star
4%
2 star
1%
1 star
6%
What to know
✓
High user satisfaction
80% of sampled ratings are 5 stars
⚠
Pricing complaints
Many low ratings mention paywalls or pricing
About Klover - Instant Cash Advance
You can get a Klover cash advance up to $400* 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.*
HOW TO GET YOUR FIRST ADVANCE:
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 $400
But we’re not just a one-trick pony. Here’s why over 2 million people have made Klover their budget bestie:
SCORE EASY POINTS**
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.
BUDGET LIKE A BOSS
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.
MONEY FROM THE FUTURE
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.
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WHY WE’RE HERE
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 fees financial products and services to save you time and money.
YOUR DATA IS SAFE WITH US
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.
STAY IN TOUCH
Got a question? Reach out to us at info@joinklover.com
*Not all users will qualify. Advances range from $25 - $400, avg advances $160. Express transfer fees may apply.
**LEGAL DISCLOSURE:
Klover does not offer loans. We are NOT a payday loan, cash loan, or personal loan app, nor an app to borrow money. By validating your employment you can access money you’ve already earned whenever you want to. Klover’s advance service is free and doesn’t have interest. Our APR is 0%. Klover’s advance service does not require a minimum repayment time frame. Klover’s advance service does not require a maximum repayment time frame. For example, if you request an advance of $100 your future repayment is $100. Example 2: If you select a completely optional immediate delivery fee of $8.49 your future repayment would be $108.49. Klover’s advance service is not a contracted obligation to repay a loan. For more information please see Klover’s terms and conditions: https://www.klover.app/terms-and-conditions.
***Points cannot be redeemed for cash, only in-app features
Klover’s Privacy Policy: https://www.klover.app/privacy-policy
Klover Holdings, Inc.
57 W Grand Ave
Chicago, IL 60035
Klover - Instant Cash Advance Screenshots
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Reviews for Klover - Instant Cash Advance
Melanie Matos
1/1/2026
support never got back to me after I sent them an email over a week ago. I paid off my loan and I wanted to borrow again and they lowered what I can borrow for some reason.
Jordan Ely
12/31/2025
seems to only want to work when I do an instant transfer and pay 19.99 edit- multiple times now I do the free transfer with 1-3 business day wait. the day comes and no desposit. I check the app and it's as if I never submitted it.