Download Klover on your phone and follow these steps:

1. Sign up: Create an account with your name, email, and phone number.
2. Link bank: Connect your bank account and debit card so Klover knows where to send your money.
3. Earn points: Provide additional info like your employer and complete activities in the app to earn points.
4. Check eligibility: Make sure you have at least three consistent direct deposits from your employer.
5. Request advance: Ask for a cash advance of up to $200 with no credit check.
6. Choose delivery: Decide whether to pay an Express Fee for faster delivery or use your points to cover it.
7. Receive funds: Get the cash deposited directly into your bank account.

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.

Out of hundreds of reviews published in February and March 2025 that we analyzed, we found over 50 recent comments mentioning funding speed. Here’s what users say about it:

• Fast and easy: Many users praise Klover for its quick and easy cash advances, often mentioning receiving funds instantly or within minutes. They describe the process as "super fast," "easy to use," and a "life saver" when they needed cash before payday.
• Points system frustration: Some users are frustrated by the points system required to access advances, saying it makes the process less immediate than expected. A few report delays in receiving funds or not receiving advances after trying multiple times.

Overall, most users appreciate Klover's speedy funding and straightforward process, but some find the points system a hurdle to getting instant cash when they need it.