How much does Klover let you borrow?

Based on numerous user reviews we analyzed, it appears that while Klover advertises a maximum cash advance of $200, most users don't actually receive that amount. Our data is drawn from reviews published in July 2025, providing the latest insights into Klover's current practices. The consensus among users is:

• Don't expect $200: While some users mention initial advances of $150 or even $200, most report only being offered $25 or less after the first advance.
• Declining advance amounts: Many users express frustration that after repaying their advances on time, Klover reduced their available amount—sometimes down to just $5—even when their financial situation hadn't changed.
• Inconsistent and unpredictable: Users note that the available advance amounts fluctuate frequently, sometimes changing multiple times in a single day without clear reasoning.

So, if you're hoping for a $200 advance from Klover, be prepared for the possibility of receiving much less. It seems that while Klover can be helpful in a pinch, the advance amounts may not meet everyone's expectations.

Many Klover users report that earning points within the app is essential for accessing larger cash advances. You can accumulate points by playing games, completing surveys, watching ads, or engaging with promotional offers.

Some users find that despite timely repayments, their available advance amounts can fluctuate or even decrease. To potentially increase your cash advance, consistently participate in point-earning activities and maintain a positive repayment history.

However, experiences vary, and some users note that the process can be inconsistent. Staying active in the app and regularly engaging with its features may improve your chances of getting a bigger cash advance on Klover.