What is Klover cash advance?

Yes. Klover offers cash advances up to $200. After you link your bank account, you can choose free standard delivery (1–3 business days) or pay an optional express fee—ranging roughly $1.49 on a $5 advance to $14.99 on a $200 advance—to get the money in a few hours. You can also use in-app Klover points to shrink or cover those express fees. There’s no credit check, interest, or late fee, and repayment is pulled automatically around your next paycheck (or within seven days if you took a points-based express advance). The $4.99 Klover+ subscription is optional and isn’t required for a standard advance.

Some of the Klover cash advance requirements include:

1. Checking account: Have an active U.S. checking account in good standing (savings accounts are not eligible).
2. Location: Be physically located in the United States.
3. Regular paychecks: Receive paychecks of $250 or more every 7 or 14 days, deposited directly by your employer's payroll system.
4. SSI payments: If you receive Social Security Income (SSI), it must be deposited electronically every 7 or 14 days (monthly SSI payments are not accepted).
5. Ineligible income: Income from self-employment, gig apps (like Uber or DoorDash), unemployment benefits, monthly income, non-payroll deposits, third-party apps, or cash transfers are not accepted.

Klover will then determine your eligibility and the maximum cash advance amount you can receive based on these criteria.

On top of the cash advances that Klover offers, there are a few other features you might find useful.

Earn Points to Unlock Rewards

Klover has a points program that lets you earn points by engaging with the app. You can accumulate points by linking your debit card, connecting retailer accounts, scanning receipts, watching ads, playing games, and more. These points can then be redeemed to unlock larger cash advances, reduce or eliminate express fees for faster funding, or enter daily sweepstakes for cash prizes.

Daily Cash Sweepstakes

Every day, Klover offers a chance to win cash prizes through its daily sweepstakes. By using your accumulated points, you can enter for a chance to win $100, with five additional winners receiving $20 each. It's a fun way to potentially boost your cash flow.

Flexible Funding Options

Klover provides both standard and express funding options for your cash advances. The standard funding is free and typically takes up to three business days. If you need your money faster, you can choose the express funding option to receive your funds within hours for a variable fee. The good news is that you can use your earned points to offset or even cover the express fee, giving you quicker access to your funds without extra cost.