# Klover - Instant Cash Advance — Up to $750 Before Payday

> Cash advance app with budgeting tools and rewards. (iPhone/iPad app by Klover Holdings, Inc..)

- Source: https://appshunter.io/ios/app/klover-instant-cash-advance/id1471211372 (this page in markdown: same URL + `.md`)
- Developer: [Klover Holdings, Inc.](https://appshunter.io/developer/1471211371)
- Category: Finance, Shopping
- Price: Free
- Rating: 4.80/5 from 372,419 App Store ratings · 2,114 written reviews indexed
- Age rating: 17+
- Requires: iOS 16.6 · 98 MB
- Languages: American English
- Released: 2019-07-30
- Data updated: 2026-08-28
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/klover-instant-cash-advance/id1471211372/reviews.md

## What is Klover?

Your payday can’t come soon enough! That’s where we come in. Get a Klover cash advance up to $750* 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 $750*

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, then cash them out for a bigger advance. 

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. 
 
_________________________________________________
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 fee 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, and more –– 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 

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.

*Advances range from $25-750, average advances $170. Express transfer fees may apply

Klover Holdings Inc.
222 W Hubbard
Chicago IL, 60654

## Key features

- Cash advances up to $750
- No credit checks, late fees, or interest
- Earn points for surveys and ads
- Budgeting tools
- Credit score tracking
- Spend goals

## Chart rankings

- #47 in Top Free · Finance (US App Store)

## What do users think of Klover?

Overall sentiment: neutral

**Pros**

- 🚀 Quick and easy setup
- 💰 Helpful for financial emergencies
- 👍 Transparent and fair model
- 🤝 Reliable and efficient
- 💳 Seamless bank account integration

**Cons**

- 🔍 Confusing point system
- ⏱️ Slow customer support response times
- 🤔 Inconsistent advance amounts
- 💰 High fees for instant transfers
- 🐛 Technical issues with receipt scanning and surveys

**Commonly reported bugs**

- Account verification issues
- Inconsistent point tracking
- Advance repayment date mismatch

**Most requested features**

- Allow repayment date changes
- Improve point-earning opportunities
- Provide more advance amount transparency
- Enhance customer support channels

## Recent user reviews (10 of 2,114)

All indexed reviews: https://appshunter.io/ios/app/klover-instant-cash-advance/id1471211372/reviews.md

### 2/5 — Not legit

*2026-08-24, version 2026.12.0*

Won’t give you a cash advance unless you complete their offers on their page waste of time and they start you off at a tiny amount.

### 3/5 — long wait

*2026-08-24, version 2026.12.0*

takes to long for points to kick in

### 2/5 — Never offers $750

*2026-08-23, version 2026.12.0*

App is okay but terrible that you have to do all these offers to get a good loan amount. They never update your points. I always have to contact them to ask about my points. And they don’t have customer service to respond right away. Other companies offer loans after repayment. Klover makes you wait 5 days. There’s definitely better apps out there.

### 1/5 — worst lending app ever

*2026-08-23, version 2026.12.0*

i get $900 from Money Lion where you only pay every 2 weeks with paycheck, tilt gives me $400 similarly every two weeks, Earnin’ $250, Brigit $100. This app initially said $400 then i check later it is now $300 i check again they now only want to give me $125.00… oh also you only have 5 days to pay it back! worst lending app ever!

### 5/5 — East peasy

*2026-08-22, version 2026.12.0*

Great

### 5/5 — Totally legit, life saver

*2026-08-22, version 2026.12.0*

Klover gave me $100 just for connecting my bank account. They let you decide when you can pay it back with no late fees. The best part, you can play games to get points and get a bigger advance JUST TO PLAY GAMES. Request an advance and get your money instantly. I never leave reviews but Klover really helped me out today so I figured I’d return the favor. Thanks Klover !

### 5/5 — FAST FUNDING !

*2026-08-22, version 2026.12.0*

Get the money u need quick and easy to receive !

### 1/5 — Becoming unusable.

*2026-08-22, version 2026.12.0*

They will unlink your debit card from your account without warning or reason then make you wait several days before you can link it again. Not worth the trouble. Points are almost impossible to obtain, they add “deals” to other apps after you’ve already been using the other app so it’s no way to get those thousands of points in the offer. Quizzes will bug out after you’ve finished them so you don’t get the promised points or you somehow don’t qualify for the quizzes with larger point amounts. Has a subscription option that does absolutely nothing for you nor does it have anything to do with the cash advance which they don’t tell you until after you subscribe.

### 1/5 — Fake news

*2026-08-22, version 2026.12.0*

Klover won’t do anything in minutes. Accounts stayed on verifying bank info for months and never changed never heard anything from them they just want to charge you the monthly fee.

### 5/5 — Great app

*2026-08-22, version 2026.12.0*

This could be very very useful and helpful . And the games are actually pretty fun if I can find the time. Worth it

## Frequently asked questions about Klover

### What is Klover?

Klover is a financial app that provides cash advances up to $750 before your payday. It offers budgeting tools, credit score tracking, and allows users to earn points for surveys and watching ads to increase their advance amount. The app aims to provide financial freedom without the typical fees associated with traditional financial institutions.

### How do I get a cash advance from Klover?

To get your first advance, you need to sign up with your name, email, and phone number. Then, connect your bank account so the funds can be sent to you. Once connected, you can receive cash in minutes, with advances ranging from $25 to $750.

### Does Klover charge any fees or interest?

No, Klover does not charge late fees, credit checks, or interest charges on cash advances. By transparently leveraging your approved data, the app provides low to no-fee financial products and services. Express transfer fees may apply for faster transfers.

### Is my data safe with Klover?

Yes, your data is securely stored using 256-bit encryption, which is military-grade technology. Your data is anonymized, meaning the app will never know who you are. By opting into the Truth in Data agreement, you unlock all app perks without compromising your data's security.

### What are the budgeting features in Klover?

Klover+ offers innovative budgeting tools to help you manage your money. You can create spend goals, opt-in to track your credit score, and earn extra points when you reach savings targets. These features are designed to help you level up your money game and budget effectively.

## Version history (last 5 releases)

### 2026.13.0 — 2026-08-24

Bug fixes and improvements.

### 2026.12.0 — 2026-08-19

Bug fixes and improvements.

### 2026.11.0 — 2026-08-10

Bug fixes and improvements.

### 2026.10.0 — 2026-08-02

Bug fixes and improvements.

### 2026.9.1 — 2026-07-30

Bugfixes and improvements.

## Apps similar to Klover

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Brigit: Cash Advance & Credit](https://appshunter.io/ios/app/brigit-cash-advance-and-credit/id1341884073) | 4.8 (551,600) | Free | Finance |
| [Dave: Credit, Cash & Money App](https://appshunter.io/ios/app/dave-credit-cash-and-money-app/id1193801909) | 4.8 (881,655) | Free | Finance |
| [Tilt: Cash Advance & Credit](https://appshunter.io/ios/app/tilt-cash-advance-and-credit/id1136397354) | 4.8 (455,319) | Free | Finance |
| [Beem: Cash Advance & Banking](https://appshunter.io/ios/app/beem-cash-advance-and-banking/id1525101476) | 4.2 (32,000) | Free | Finance |
| [Cleo AI: Cash Advance & Budget](https://appshunter.io/ios/app/cleo-ai-cash-advance-and-budget/id1447274646) | 4.7 (256,967) | Free | Finance |
| [B9: Cash Advance](https://appshunter.io/ios/app/b9-cash-advance/id1552004842) | 4.5 (21,035) | Free | Finance |

## More apps by Klover Holdings, Inc.

- [Merryfield Everyday Rewards](https://appshunter.io/ios/app/merryfield-everyday-rewards/id1460848195)
- [Frisbee: Rewards for Receipts](https://appshunter.io/ios/app/frisbee-rewards-for-receipts/id6446371504)
- [Sprig: Clean Food Scanner](https://appshunter.io/ios/app/sprig-clean-food-scanner/id6761384794)
- [Left to Spend: Cash Flow](https://appshunter.io/ios/app/left-to-spend-cash-flow/id6761506168)
- [Winsome Rewards](https://appshunter.io/ios/app/winsome-rewards/id6786921843)

All apps by Klover Holdings, Inc.: https://appshunter.io/developer/1471211371

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*