By Editorial Team
Last Updated: Apr 03, 2025
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Klover is a cash advance app that lets you access up to $200 before your payday without any interest charges or credit checks. Instead of charging interest, Klover operates on a subscription model and uses anonymous user data for market research and advertising purposes.
To get a cash advance with Klover, you'll need to subscribe to their $4.99 monthly plan, which comes with a 30-day free trial for new users. You can choose standard delivery, which is free and typically takes 1-2 business days, or opt for expedited delivery by paying an Express Fee to receive your funds within hours. You can also earn points within the app by participating in activities like watching ads or taking surveys, which can be used to offset Express Fees or unlock larger cash advances.
Founded in 2019 and based in Chicago, Klover claims that over 2 million people have used their app to manage their finances and access cash advances. The app emphasizes user-friendly features like automatic repayment on your next payday and opportunities to win cash prizes through daily sweepstakes.
Yes, Klover gives cash advances of up to $200 without any interest charges or credit checks. You can get the money even if your payday is two weeks away. There's a $4.99 monthly subscription fee (after a 30-day free trial) that gives you access to cash advances and other financial tools they offer. Repayment is automatic on your next payday or a selected date, but you can't change the repayment date or request extensions. Standard delivery of funds can take up to 3 business days and is free, but if you need the cash sooner, you can pay an Express Fee ranging from $1.49 to $12.29 (depending on the amount) to get the money within hours. You can also earn points within the app to offset these fees or unlock larger cash advances.
There are a few main criteria to qualify for a cash advance from Klover:
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.
Other than providing cash advances, Klover offers a few features that you might find helpful.
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.
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.
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.