How does Klover cash advance work?

Download Klover on your phone and follow these steps:

1. Sign up: Create an account using your name, email, and phone number.
2. Link accounts: Securely connect your primary checking account and debit card.
3. Meet eligibility: Ensure your account has at least three consistent direct deposits from your employer.
4. Request advance: Navigate to the Balance Advance section and request up to $200 with no credit check.
5. Choose delivery: Decide whether to expedite the advance by paying an optional Express Fee or opt for standard delivery at no cost.
6. Confirm and receive funds: Confirm your request and receive the funds in your linked bank account or debit card.

You'll usually receive your cash advance from Klover within three business days with the free standard transfer.

If you need your money faster, you can choose the Express option to get your funds within a few hours. The Express Fee depends on the amount you borrow:

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

You can offset these Express Fees using points from your Klover+ account, where every 500 points equals $1.

Out of hundreds of reviews published in April and May 2025 that we analyzed, we found over 60 recent comments mentioning funding speed. Here’s what users say about it:

• Fast and easy for most: More than 50 users praise how quickly they received cash—often calling it “instant”, “fast”, or “within minutes”.
• Delays for some: About 10 users complain about slow processing—some citing days to receive funds or verify their accounts, with initial setup taking longer than expected.

Overall, most users are pleased with Klover’s speedy funding, but a few experienced delays, especially during account setup.