How does Klover cash advance work?

Download Klover on your phone and follow these steps:

1. Install app: Grab Klover from the App Store or Google Play.
2. Sign up: Create an account with your name, email, and phone number.
3. Link bank: Connect the checking account and debit card where you get paid via Plaid.
4. Build history: Receive at least three consecutive direct deposits from the same employer to unlock Balance Advance eligibility.
5. Boost limit: Rack up Klover Points (receipts, surveys, referrals, games) if you want a higher limit—up to $400.
6. Request funds: In the Advances tab pick your amount and delivery speed—Standard (free, 3 business days) or Express (instant for a fee).
7. Confirm: Check the repayment date (usually next payday) and submit your request.
8. Repay: On the scheduled date Klover automatically pulls the advance plus any Express fee—no late fees.

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.

• Fast payout: Most reviewers say cash showed up “within minutes,” some even in “seconds” after approval.
• Paid ‘instant’: Users who shell out the $3.99–$20 fee often confirm same-day funding, while the free route takes about three days.
• Not always instant: A smaller group waited hours or days despite paying for expedited transfer, with some advances stuck “pending.”
• Post-loan delay: A few add that repayment processing can stretch 4–9 days, slowing down their ability to grab another advance.