Klover App Review

Klover is an earned-wage access app that fronts you a portion of your next paycheck instead of offering a traditional payday loan. Qualified users can pull $5 to roughly $400 in minutes with no interest, credit check or late fees. The catch is price: the app costs $4.99 a month after a 30-day free trial, and choosing instant delivery tacks on a variable express fee of about $1.49–$19.99 (standard 1-3 business-day deposits are free).

Eligibility is straightforward—you need to be 18+, have a checking account that’s been open at least 90 days and show a pattern of direct-deposit paychecks of $250 or more. Once approved, Klover schedules repayment for your next payday and lets you tip (totally optional) after the advance is cleared.

Klover might work well for you if:

• Rainy day: You need an interest-free advance of up to $400 to bridge a short cash gap
• Fee choice: Free 1–3 day delivery works for you, or you’ll use points to shave dollars off the optional express fee
• Steady paycheck: You get at least $250 weekly/bi-weekly direct deposits from the same employer and can repay on your next payday
• Lower sub fee: A $4.99 monthly subscription (after the 30-day trial) fits your budget
• No credit check: You want cash without hard pulls or late-payment penalties

When Klover might not be a good fit:

• Gig income: Income from rideshare, delivery apps, PayPal or Venmo deposits won’t satisfy Klover’s eligibility rules
• Infrequent use: You won’t take advances often enough to justify paying $4.99 every month
• Need it now: Up to $19.99 for express funding feels too expensive
• Point chores: Watching ads, surveys or scanning receipts to earn points isn’t your thing
• Repeat shortfalls: You routinely spend more than you earn and an advance won’t fix ongoing budget gaps

Klover cash advance requirements include:

1. Age & location: Be 18+ and physically in the U.S.
2. Bank history: Link a checking account that’s been open and in good standing for at least 90 days.
3. Direct deposits: Show three consecutive weekly or bi-weekly paychecks of $250+ from the same employer within the last 60 days.
4. Income type: Employer payroll or weekly/bi-weekly Social Security works; gig-app deposits, transfers or monthly SSI don’t.
5. Klover score: Before your first advance, either verify employment/income or collect about 900 Klover Points.

Meet these rules and Klover will set your limit (usually up to $250 at first) and schedule automatic repayment on your next payday—no hard credit check required.

Expect the money to land in your bank within 1–3 business days with the free standard delivery.

Need it sooner? Choose Express Funding and get the cash instantly. The fee scales with the size of your advance:

• $1.49 for $5
• $3.99 for $25
• $7.49 for $50
• $8.49 for $100
• $9.99 for $125
• $11.99 for $150
• $14.99 for $200
• $17.99 for $250
• $19.99 for $300

You can shave $1 off the express fee for every 500 Klover Points you apply.

Klover pulls the advance back automatically—here’s how the timing works:

1. Payday pull: for regular advances, Klover debits your bank as soon as it detects your paycheck (or on the date you picked if that’s later), plus any express-delivery fee.
2. Points advance: advances taken entirely with Klover Points must be repaid seven days after you grab them, no matter when you get paid.
3. Repay early: you can knock out the balance any time before the scheduled date by adding funds in the app.
4. No penalties: there’s zero interest and no late fees; miss repayment and they just pause future advances until you clear the tab.

Beyond the standard, interest-free advance, Klover tucks in a few extras that can make the app more flexible and, if you have time to spare, even cheaper.

Express Funding

If you can’t wait the usual 1–3 business days, you can have the money in hours for a one-time Express Fee that slides from about $1.49 on a $5 advance up to $19.99 on $300. Using Express never changes the advance due date, and you’re free to repay early.

Klover Points

Every short video you watch, survey you answer, receipt you scan, or friend you invite earns points that never expire. Stack enough and you can raise your advance cap, snag a 7-day micro advance between $5 and $100, shave a dollar off the Express Fee for every 500 points, or trade roughly 50 points for an entry in the daily cash sweepstakes.

Klover Boost

The app constantly weighs your account age, recurring deposits, repayment streak, and point activity. Do well in those areas and Klover gradually bumps up your maximum advance without any extra work on your end.

Quick setup & tipping

Sign-up is a one-screen affair—enter basic info, link your checking account through Plaid, and you’re set. After each repayment, Klover asks if you’d like to leave a tip; skipping it has no impact on future eligibility.