THANK YOU CLOVER!
I’d say Klover is a straightforward, useful app if you need quick cash before payday without diving into high-interest loans or credit cards. I appreciate that it doesn’t rely on credit checks, which is a relief since not everyone has a stellar credit score. You just link your bank account, meet the eligibility requirements, and get a small advance, usually within a few hours.
The cash advance feature is genuinely helpful for unexpected expenses, and the process is smooth and mostly hassle-free. I do like that there are no fees or interest for the cash advance itself. Instead, Klover gives you options to boost your cash advance by watching ads or answering surveys, which isn’t for everyone, but it’s a nice option if you’re okay with it.
One thing to be aware of: since the cash advances are tied to your paycheck, Klover will automatically take the repayment out of your account on payday, which is something to keep in mind to avoid overdrafts. Overall, it’s a good app if you’re responsible with budgeting and need a quick financial cushion.
The cash advance feature is genuinely helpful for unexpected expenses, and the process is smooth and mostly hassle-free. I do like that there are no fees or interest for the cash advance itself. Instead, Klover gives you options to boost your cash advance by watching ads or answering surveys, which isn’t for everyone, but it’s a nice option if you’re okay with it.
One thing to be aware of: since the cash advances are tied to your paycheck, Klover will automatically take the repayment out of your account on payday, which is something to keep in mind to avoid overdrafts. Overall, it’s a good app if you’re responsible with budgeting and need a quick financial cushion.
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Only works if you have the time
This app essentially would be great if it didn’t require you to download tons of unnecessary money apps in order to qualify for points. They have great incentives for scanning receipts and surveys, but you will literally scan receipts forever to get 100 points as they are 5points per receipt. Initially this wasn’t too bad it use to require 3000 points for a $200 advance but now since their recent update, it takes 5,000 points just to get a $75 advance, which is INSANE. I mean it was hard enough trying to gather 3000 now they’re expecting you to accumulate 5k points for practically nothing…. Considering how long it will take to even gather such points. Most of the partner apps require you download games and make it to outrageous levels to get the points, or play cash games to get the points (why would I play cash games if I am looking for a cash advance)? While the idea of the app is great, you literally have to go through too much just to gather enough points for a small $75 advance and let’s face it, a single mother working full time doesn’t have time to sit and play games all day to make it to level 100 for some points. In my opinion, the offers you need to accumulate points make it harder to even get the points needed for the advance making it not worth it.
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Response from developer
We apologize. In order to qualify for normal advances without points the system looks for healthy balances that are sustained for 20 days. Paycheck frequencies must be 7 or 14 days apart and at least $250 (https://joinklover.zendesk.com/hc/en-us/articles/360034739471-Eligibility-requirements)
Don't be confused
This app is interesting for sure. The first time I signed in and let me borrow $100. I had to pay it back right away. You only get to use it for seven days even though it has direct access to my bank account and knows when I get paid it still wanted money back seven days later, which was on a in between week for me not a week I get paid Anyway anyways I paid it back anyways and then I need to borrow money again Way it would let me get more money was to sign up for a bunch of stuff everything that you sign up for cost you something whether it's a dollar $10 a month for a free Trayl invest five dollars now you have to spend money to get enough points to borrow money or you can play a game that it tells you to play and it says that in order to get enough points you have to get to a certain level of the game but whatever game you are playing you can only get to a certain part in that game without having to spend money so if I get to level eight This app will let me borrow money, but you can't get past level five unless you spend money in the game to buy more coins, so it is very tricky. You have to spend money in order to borrow the money.
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