Is Klover app legit?

Dozens of Klover reviews from June and July 2025 that we analyzed suggest users can rely on the app. Here's what they have to say about it:

• Lifesaver: Many users describe Klover as a "lifesaver," coming through for them in tight situations when they needed money urgently.
• Fast and Easy: Several reviewers praise the app for being quick and easy to use, offering fast cash advances when needed.
• Always There: Users often mention that Klover is "always there when I need it," highlighting its reliability and consistent support between paychecks.
• Inconsistent Advances: A few users express frustration with inconsistent advance amounts, noting that unpredictability can be unhelpful at times. Despite some concerns about variability in advances, most users appreciate Klover as a dependable resource during financial crunches, valuing its prompt assistance and ease of use.

Based on user experiences, while Klover advertises cash advances up to $200, many people find they're getting much less. Here's what users are saying:

• Inconsistent Amounts: Many users report that their available advance fluctuates unpredictably—from $150 one day to just $5 the next—even after timely repayments.
• Low Advances After Repayment: Some folks mention that even after paying back larger advances, they were only offered smaller amounts like $25 or $5 thereafter.
• Points Required for More: To access higher amounts, Klover often requires you to earn points by completing tasks or offers, which can be time-consuming when you need cash quickly.
• Higher Advances Possible: A few users did receive advances of $100 or more, which is higher than what some other apps offer starting out.

So, while it's possible to get a decent advance from Klover, it seems most users receive smaller, varying amounts. If you're counting on the full $200, you might need to jump through some hoops or manage with less.

Even though Klover is a legit company, we found over 40 reviews published recently describing the service as scammy (for context, this is out of hundreds we analyzed). About 30 explicitly call the service a “scam”, “fraud”, or “rip-off”, while others report unauthorized charges or hidden fees that make them feel deceived.

Several users complain that they never received the promised cash advances, instead being required to earn points through offers and surveys, which they found misleading and time-consuming. Some users worry about data misuse, stating the app seems designed to harvest personal information without delivering on its promises.

The overarching theme is that people feel tricked or financially harmed, often pointing to unwanted subscriptions, surprise charges, and difficulty canceling or reaching customer service.