Cash Advance Apps

How much does Klover let you borrow?

How much does Klover let you borrow?

By Editorial Team
Last Updated: Apr 03, 2025

Klover allows you to borrow up to $200 even if your payday is still weeks away. The exact amount you can access depends on factors like your income consistency and banking history.

To qualify for a cash advance, you'll need to be at least 18 years old and a U.S. citizen. You should have a checking account with a linked debit card that's been active and in good standing for at least 90 days. Additionally, you need to have received at least three direct deposit paychecks from the same employer in the last 60 days, each for at least $250.

Klover doesn't charge interest, require credit checks, or impose late fees on their advances. Funds are typically delivered within 1-2 business days, but if you need money sooner, you can opt for expedited delivery by paying an Express Fee. You can also use points earned within the app to cover these fees, making faster cash more accessible.

Table of contents

Does Klover actually send you $200?How to get a bigger cash advance on Klover?

Does Klover actually send you $200?

Based on numerous user reviews we analyzed, it appears unlikely for the average customer to receive the $200 maximum cash advance advertised by Klover. Our data is drawn from reviews published in February and March 2025, providing the latest insights into Klover’s current practices. The general consensus is that:

  • Forget about $200: most users report being offered advances far below the advertised maximum.
  • Tiny loans of $5: at least 4 reviews explicitly complain about being offered only $5 advances.
  • Points system required: users are frustrated with having to earn points by completing tasks or downloading apps to qualify for higher loan amounts.
  • Inconsistent amounts: some users mention unpredictable changes in their eligible advance amounts, sometimes dropping without explanation.

Despite some positive remarks:

  • Higher advances possible: a few users note that by accumulating points and paying back on time, they were able to access advances up to $100.

If you're hoping for a $200 advance from Klover, you might need to manage your expectations and be prepared to engage with their points system to increase your eligibility.

App reviews talking about Loan Amounts:
"...they're only offering $5. No, thank you..."
"Not a lot at all. First time and they offered to loan me $5.00..."
"...you never get more than $100 bucks with this app..."

How to get a bigger cash advance on Klover?

Many Klover users have found that to get a bigger cash advance, accumulating points is key. You can earn points by completing tasks like playing games, watching ads, or participating in offers, which can then be used to unlock higher advance amounts.

However, some users report challenges with this system, noting that even after earning points, they don't always receive the expected increase in their cash advance. There are also instances where points aren't credited properly, making it frustrating to reach the required amount for a larger advance.

Overall, while Klover's points system provides a pathway to higher cash advances, it may require significant time and effort. To maximize your advance limit, actively engage in point-earning activities and monitor your account for any discrepancies, reaching out to customer support if needed.