By Editorial Team
Last Updated: Aug 03, 2025
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Klover lets you snag an interest-free cash advance of up to $200 and pay it back on your next payday. Standard delivery to your bank (1–3 business days) is free, or you can choose express delivery within hours for a sliding fee that starts at $1.49 on a $5 advance and tops out at $14.99 on a $200 advance. There are no late fees, and you don’t have to join the optional Klover+ program; that extra Personal Financial Management package runs $4.99 a month after a 30-day trial and isn’t required to access standard advances.
Klover at a Glance: Key Features & Fees
Advance amount
$5 - $200
Monthly fee
Free
Regular funding time
1 to 3 business days
Express funding time
A few hours
Express funding fee
$1.49 - $19.99 depending on the amount of the cash advance
Main features
Instant cash advances up to $200 without credit checks, earn points for rewards, daily cash prizes
Advance amount
$5 - $200
Monthly fee
Free
Regular funding time
1 to 3 business days
Express funding time
A few hours
Express funding fee
$1.49 - $19.99 depending on the amount of the cash advance
Main features
Instant cash advances up to $200 without credit checks, earn points for rewards, daily cash prizes
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Table of contents
Top apps like Klover
The following apps are 3 category leading cash advance apps like Klover:
1. Brigit
Best for: Highest reviews and average score
4.8
646K Reviews
Advance amount
$25 - $250
Monthly membership fee
$8.99
Regular funding time
1–3 days
Express funding time
20 minutes
Express funding fee
$0.99 - $3.99, free with Premium Subscription
Main features
Cash advances up to $250 without credit checks, overdraft prediction, credit builder program
2. EarnIn
Best for: Highest cash advance amount
4.7
600K Reviews
Advance amount
Up to $750
Monthly membership fee
Free
Regular funding time
1–3 business days
Express funding time
30 minutes
Express funding fee
$2.99–$5.99 per transfer (first transfer free)
Main features
Access earned wages before payday, overdraft protection, build savings, credit monitoring, assistance with medical bills
3. Chime SpotMe
Best for: Lowest monthly fees
4.8
1,941K Reviews
Advance amount
$20 - $200
Monthly membership fee
Free
Regular funding time
Instantly
Express funding time
Timeframe for express advances is unknown
Express funding fee
There is no expedite fee
Main features
Overdraft up to $200, boost limit via friends, works with debit and credit cards
All apps like Klover
Here you'll find the full list of 10 apps like Klover ranked by Advance amount, Review score, or any other parameter that's most important to you:
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4.1
20K Reviews
Advance amount
$40 - $200
Monthly membership fee
Free
Regular funding time
Instantly
Express funding time
Timeframe for express advances is unknown
Express funding fee
There is no expedite fee
Main features
Instant cash advances, Buy Now Pay Later shopping, Phone plan financing, Play-to-earn rewards, Overdraft protection
3.6
39K Reviews
Advance amount
$5 - $1,000
Monthly membership fee
$0.99
Regular funding time
3 to 5 business days
Express funding time
20 minutes
Express funding fee
$0.99 - $4
Main features
Instant cash advances up to $1,000, credit monitoring, budgeting tools, health benefits, cashback offers
4.7
542K Reviews
Advance amount
$10 - $400
Monthly membership fee
$8.00
Regular funding time
1 business day
Express funding time
2 hrs
Express funding fee
$1 - $8 for advances up to $299.99, then 3% for $300+ advances
Main features
Access $400 cash advances interest-free, build credit, earn 10% cashback, AutoSave, credit score monitoring.
By Editorial Team
Last Updated: Aug 03, 2025
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