By Editorial Team
Last Updated: Jun 13, 2025
Read more
Klover is a cash advance app that lets you access up to $200 before payday without any interest charges or credit checks. Instead of charging interest, Klover requires a $4.99 monthly subscription fee after a 30-day free trial. Basic advances are processed for free, but if you need your funds faster, you can pay an optional Express Fee to expedite the deposit.
To qualify for a cash advance with Klover, you'll need a checking account that's been active and in good standing for at least 90 days. You must receive regular paychecks of at least $250 on a weekly or bi-weekly schedule via direct deposit from the same employer, with at least three deposits in the last 60 days. Self-employment income, unemployment benefits, and monthly income payments aren't accepted.
Besides cash advances, Klover offers personalized financial management tools, including budgeting features and the ability to earn points through activities like watching ads or taking surveys. These points can be redeemed to unlock larger cash advances, offset Express Fees, or enter daily cash sweepstakes. Klover claims to have over 2 million users and is headquartered in Chicago.
Yes, Klover gives cash advances of up to $200 with no interest, no late fees, and no credit checks. For a $4.99 monthly subscription fee (after a 30-day free trial), you can access cash advances and other features they offer. Repayment is typically due when your next paycheck hits your account. The standard delivery is free and takes up to 3 business days, but if you need the money faster, you can pay an Express Fee (ranging from $1.49 to $19.99 depending on the amount) to get the funds within a few hours. You can also use points earned within the app to offset these fees.
To qualify, you must meet the following criteria:
Note that self-employment income, including earnings from gig apps like Uber or DoorDash, and unemployment benefits are not eligible. By meeting these requirements, you'll be eligible to request a cash advance through the Klover app.
Besides offering cash advances up to $200, Klover has a few other features you might find interesting during or after your 30-day free trial, especially if you decide to continue with the $4.99 monthly subscription.
Klover lets you earn unlimited points by engaging in various activities within the app. You can watch ads, take surveys, scan and submit receipts, link retailer accounts like Target or Walgreens, and more. These points can then be redeemed to unlock larger cash advances, cover Express Fees if you need your advance faster, or even exchanged for gift cards at popular vendors like Amazon. It's a way to get more out of the app just by doing simple tasks.
Every day, Klover runs cash sweepstakes where you can win $100 or one of five $20 prizes. You can use your earned points to enter these sweepstakes, with each entry costing 50 points. It's a fun little bonus where you might get some extra cash just for participating in the app's activities.
Klover also offers personalized financial management tools to help you keep track of your spending and savings goals. You can set up budgets, monitor your income and expenses from linked accounts, and even opt into credit score monitoring to stay on top of your credit health. Plus, as you reach your savings targets, you can earn extra points to redeem for more rewards.