Many Klover reviews from March 2025 that we analyzed suggest users can rely on the app. Here's what they have to say about it:

• Lifesaver: Several people describe Klover as a “lifesaver” that helps them when times are tough.
• There When Needed: Many users appreciate that Klover “comes through” when they need extra cash “in a pinch” or to cover unexpected expenses.
• Easy and Fast: Others praise the app for being “easy to use” and providing cash advances “within minutes”, which is crucial during emergencies.
• Inconsistent Availability: A few reviewers express frustration about unpredictability in cash advances, stating the app is “unreliable when you actually need the money.”

Still, the overarching sentiment is positive: most users see Klover as a handy tool that’s there when they need a little extra cash, helping them avoid overdrafts and manage tight budgets.

Klover advertises a maximum cash advance of $200, but user experiences vary widely. Here's what users are saying:

• Higher advances possible: Some users mention that Klover lets you borrow more than other apps, especially if you earn points and repay on time.
• Points boost amounts: Collecting points through daily activities or offers can help you unlock larger advance amounts over time.
• Low initial offers: Many users report being offered only $5 on their first advance, which can be disappointing when you need more.
• Earning points is tedious: Some users find it frustrating to complete offers or download other apps just to earn points for higher advances.
• Advance amounts fluctuate: Users have experienced inconsistent advance amounts, sometimes decreasing without explanation.
• Fees may not be worth it: With a $3.99 monthly membership fee, some users question the value when only eligible for small advances.

If you're willing to engage with the point system and possibly pay fees, you might eventually access higher cash advances with Klover. However, be prepared to start small and invest time in earning points to increase your advance limit.

Even though Klover is a legit company, we found over 20 reviews published recently describing the service as scammy (for context, this is out of hundreds we analyzed). About 22 explicitly call the service a “scam”, “fraud”, or “scam artists”, while several others mention hidden charges or feeling deceived.

Several users report not receiving the promised cash advances despite completing required tasks, and some mention unauthorized charges or difficulty canceling subscriptions. A few express concerns about data security, noting increased spam calls or suspicious activity after linking their bank accounts.

The common theme is that people feel misled or financially harmed, often pointing to a confusing points system, ineffective customer service, and misleading advertising. While these experiences don't reflect everyone's, it's important to be cautious and consider these reports before using the app.