Klover offers interest-free (but not fee-free) cash advances ranging from $5 to $200 to help you bridge the gap until your next payday. To qualify, you'll need to be at least 18 years old, have a checking account that's been active and in good standing for at least 90 days, and receive regular paychecks via direct deposit from the same employer, each at least $250.

Standard cash advances are free and typically reach your bank account within up to three business days. If you're in a hurry, you can opt for expedited delivery by paying an optional Express Fee, which ranges from $1.49 to $12.29 depending on the amount you borrow, to get your funds within a few hours.

There's a monthly $4.99 subscription fee to access Klover's financial tools, including personalized budgeting, spending, and saving features. You can also earn Klover points by engaging with the app—like watching videos or taking surveys—which you can redeem to offset Express Fees, unlock larger cash advances, or enter daily sweepstakes for chances to win up to $100.

Klover might work well for you if:

• Need cash before payday: You need up to $200 before your next paycheck without interest or credit checks
• Standard delivery is fine: You're okay with waiting 1-2 business days for free cash advance delivery
• Earn and use points: You're willing to watch ads or take surveys to earn points that offset fees or unlock larger advances
• Automatic repayment works for you: You prefer automatic deduction from your account on your next payday
• Enjoy sweepstakes: You like the chance to win cash prizes through daily sweepstakes

When Klover might not be a good fit:

• Monthly fee concerns: You're not keen on paying the $4.99 monthly subscription fee after the 30-day free trial
• Need immediate funds without extra fees: You need instant cash but want to avoid Express Fees that can be up to $12.29
• No repayment flexibility: You need the option to change repayment dates or request extensions, which Klover doesn't offer
• Inconsistent income: You don't have consistent direct deposits from the same employer, which is required for eligibility
• Prefer not to engage with ads: You're not interested in spending time on activities to earn points within the app

There are a few main criteria to qualify for a cash advance from Klover:

1. Age and Citizenship: You need to be a U.S. citizen and at least 18 years old.
2. Bank Account: Have a valid checking account with a linked debit card that's been active for at least 90 days.
3. Income: Receive at least three direct deposit paychecks from the same employer in the last 60 days, each with a minimum of $250.
4. Account Standing: Ensure your bank account is in good standing without negative balances.

Klover doesn't perform credit checks, so your credit score won't affect your eligibility. They'll assess your ability to repay based on your income and banking activity to decide if you're eligible and determine your maximum cash advance amount.

You'll typically get the money in your bank account within 3 business days with the free standard transfer.

If you need the money sooner, you can choose to pay an express fee to receive the funds within a few hours. The express fee ranges from $1.49 to $12.29, depending on the amount you borrow. For example, you'll pay up to $3.99 for a $10 advance, up to $4.99 for a $20 advance, and up to $7.49 for a $50 advance. The maximum express fee is $12.29 for advances of $100 or more.

Klover will typically request the money back when they see your next paycheck deposited into your bank account, or on the date you selected through the app. Keep in mind that:

1. Automatic repayment: The amount you borrowed will be automatically deducted from your linked bank account on the scheduled date. You can't change the repayment date or ask for an extension.
2. Non-repayment consequences: While you're not obligated to repay your Balance Advance, not paying it back may result in Klover limiting the services they provide to you.
3. Points-based advances: If you used points to get an advance, you'll need to repay it seven days after it's issued, no matter when your payday is.

Other than providing cash advances, Klover offers a few features that you might find helpful.

Klover Points Program

You can earn points within the Klover app by watching video ads (up to 50 per day), scanning and uploading your receipts, taking surveys, linking your retailer accounts like Target and Walgreens, playing games, and inviting friends. These points can be used to unlock larger cash advances, cover Express Fees for faster delivery, or enter daily sweepstakes for a chance to win cash prizes.

Daily Sweepstakes

Klover gives you a chance to win up to $100 every day through their daily sweepstakes. With over 2,000 winners each year, it's an exciting way to possibly earn some extra money.

Automatic Repayment

Repaying your cash advance is hassle-free with Klover. The amount you borrowed is automatically deducted from your linked bank account on your next payday or on a selected date, so you don't have to worry about remembering to make a payment.