Cash Advance Apps
How much does Klover let you borrow?

How much does Klover let you borrow?

By Editorial Team
Last Updated: Jun 13, 2025

Klover offers interest-free cash advances of up to $200. The amount you can borrow depends on your eligibility, which is based on factors like your income frequency, direct deposit history, and how long your checking account has been active.

To qualify for the maximum amount, Klover looks for a consistent source of income, such as regular paychecks of at least $250 on a weekly or bi-weekly schedule. You'll need at least three direct deposits from the same employer within the last 60 days, and your checking account should be active and in good standing for at least 90 days.

Table of contents

Does Klover actually send you $200?How to get a bigger cash advance on Klover?

Does Klover actually send you $200?

Based on numerous user reviews we analyzed, getting the $200 maximum advance from Klover seems unlikely for most users. Our data comes from reviews in April and May 2025, giving us a fresh look at Klover's service. Here's what we found:

  • Helped in a Pinch: some users mention that Klover provided enough funds when they really needed it, like covering rent or unexpected expenses.
  • $200? Not Likely: despite advertising advances up to $200, most users don't receive anywhere near that amount.
  • Tiny Advances: many users report being offered only $5 advances, even after being loyal and repaying on time.
  • Unpredictable Amounts: some users received higher amounts like $100 or $150 once, then found their available advance dropped to $5 without explanation.
  • Point System Frustrations: the point system required to unlock higher advances can be confusing and takes a lot of effort.

While Klover has helped some people out of tight spots, reaching the advertised $200 advance seems to be a challenge for most. If you're hoping for a large advance, be prepared—you might only get a few bucks.

App reviews talking about Loan Amounts:
"...only offered me 5 bucks which is an insult, and second, I couldn't even actually get the 5 bucks they offered!..."
"...advance of only $5, used to have iption to do up to $25 but never had enough points..."
"...earning lots of points really fast. but then it wouldn't let me take out more than a $5 advance no matter how many points I had..."

How to get a bigger cash advance on Klover?

To get a bigger cash advance on Klover, you'll need to accumulate more points within the app. Points are earned by engaging with various tasks like playing games, completing offers, watching ads, or signing up for services.

The more points you collect, the higher your cash advance amount can be. Regularly participating in these activities not only boosts your points but also increases your eligibility for larger advances over time.

Keep in mind that some users have found the point system to be a bit challenging or time-consuming. If you encounter issues with earning or redeeming points, it might be helpful to reach out to Klover's customer support for assistance.