What Is Klover Cash Advance?

What is Klover cash advance?

Last Updated: Nov 13, 2025

Klover’s cash advance gives you interest-free access to $5–$400 up to two weeks before payday. The money lands in your linked checking account in one to three business days for free, or the app can drop it the same day for an Express Funding fee that ranges from about $1.49 to $19.99 (you pick the speed). There’s no interest, late fees or hard credit check, but you’ll pay a $4.99 monthly membership after a 30-day trial.

After connecting your bank through Plaid, Klover reviews your account age, recent deposits and repayment history to set your limit. You can also rack up “Klover Points” by watching short videos, answering surveys or scanning receipts; points can bump up your advance size, unlock a small 7-day micro-advance, or shave dollars off the Express Funding fee (500 points knocks off $1). Repayment is scheduled automatically for your next paycheck, and tipping is optional.

To qualify you need to be 18+, have a U.S. checking account open at least 90 days, and show three consecutive direct-deposit paychecks (or weekly/bi-weekly SSA deposits) of at least $250 from the same source. If you’re short on that track record, about 900 Klover Points can fill the gap and get you approved for your first advance.

Does Klover give cash advances?

Yes, Klover gives interest-free cash advances. You can request anywhere from $5 up to $400, and your limit can grow over time as you earn Klover Points and repay on time. Standard delivery is free and lands in your bank account within about three business days; express delivery arrives the same day and costs roughly $1.49–$19.99, but you can use points to cut or cover that fee. The advance is automatically repaid on your next payday (or sooner if you choose), with no interest, late fees, or hard credit checks. After a 30-day trial, Klover’s full service costs $4.99 a month.

Klover cash advance requirements

Klover cash advance requirements include:

Age & location: Be 18+ and physically in the U.S.
Bank history: Link a checking account that’s been open and in good standing for at least 90 days.
Direct deposits: Show three consecutive weekly or bi-weekly paychecks of $250+ from the same employer within the last 60 days.
Income type: Employer payroll or weekly/bi-weekly Social Security works; gig-app deposits, transfers or monthly SSI don’t.
Klover score: Before your first advance, either verify employment/income or collect about 900 Klover Points.

Meet these rules and Klover will set your limit (usually up to $250 at first) and schedule automatic repayment on your next payday—no hard credit check required.

Other features

Beyond the standard, interest-free advance, Klover tucks in a few extras that can make the app more flexible and, if you have time to spare, even cheaper.

Express Funding

If you can’t wait the usual 1–3 business days, you can have the money in hours for a one-time Express Fee that slides from about $1.49 on a $5 advance up to $19.99 on $300. Using Express never changes the advance due date, and you’re free to repay early.

Klover Points

Every short video you watch, survey you answer, receipt you scan, or friend you invite earns points that never expire. Stack enough and you can raise your advance cap, snag a 7-day micro advance between $5 and $100, shave a dollar off the Express Fee for every 500 points, or trade roughly 50 points for an entry in the daily cash sweepstakes.

Klover Boost

The app constantly weighs your account age, recurring deposits, repayment streak, and point activity. Do well in those areas and Klover gradually bumps up your maximum advance without any extra work on your end.

Quick setup & tipping

Sign-up is a one-screen affair—enter basic info, link your checking account through Plaid, and you’re set. After each repayment, Klover asks if you’d like to leave a tip; skipping it has no impact on future eligibility.

Klover app review

By Editorial Team

Last Updated: Nov 13, 2025