How does Klover cash advance work?

Download the Klover app and follow these steps:

1. Sign up: Create a Klover account by entering your name, email, phone number, and other required information.
2. Link accounts: Connect your bank account and debit card to your Klover account.
3. Verify deposits: Ensure your bank account has at least three consistent direct deposits from your employer.
4. Check eligibility: Verify your eligibility for a cash advance within the app.
5. Request advance: Request a cash advance of up to $200 with no credit check.
6. Choose delivery: Select your preferred delivery option—standard (three business days) for free or express delivery for an optional fee.
7. Receive funds: Get the cash advance deposited into your connected bank account.

The free standard option drops the money into your bank in 1–3 business days.

Need it sooner? Choose Express and the cash shows up in a few hours. The fee depends on the size of your advance (you can shave $1 off for every 500 Klover points you apply):

• $5 advance: up to $1.49
• $25: up to $3.99
• $40: up to $5.89
• $50: up to $7.49
• $100: up to $8.49
• $125: up to $9.99
• $150: up to $11.99
• $200: up to $14.99
• $250: up to $17.99
• $300: up to $19.99

Out of hundreds of reviews published in June and July 2025 that we analyzed, we found over 170 recent comments mentioning funding speed. Here’s what users say about it:

• Quick for many: Over 140 praise how quickly they received cash—often calling it “fast”, “easy”, or “within minutes”.
• Delays for some: Around 20 explicitly complain about slow processing—some citing waits of several hours to days to receive funds, even after paying for instant delivery.

Overall, most users are happy with Klover’s funding speed, but a notable minority is frustrated by delays in receiving their advances.