Klover - Instant Cash Advance App Reviews

We transfer money over €4 billion every month. We enable individual and business accounts to save 4 million Euros on bank transfer fees. Want to send free money abroad or transfer money abroad for free? Free international money transfer!

WARNING: STAY AWAY. Shady and not as advertised. I never give the personal bank info they ask for like your passwords and stuff to anyone or entity ever doesn’t matter how legit or who you are but annoyed at myself for falling for exactly what was worried about..worse is can’t do much about it yet and unsure if anything will happen. All I’m going to say is they ask for all the info and process it and then nothing - they got all my info and not getting anything - don’t think they’re not checking stuff - It’s shady when they say what they require as in how long accounts been open amounts etc etc and I surpass they’re requirements by far. The reason they give that I can’t use them isn’t true, I clearly do have what they say i don’t. The to top it off you can’t delete anything. Or change anything. You can submit a request where they’ll get back to you in a few days it says but that’s it. So they have all the info I can’t delete or change anything or close account nothing they got it and won’t give me anything and now crossing my fingers they process my request who knows when. If i hear back at all but who knows I just don’t like this at all it’s not right. Even if they do i guarantee it’s going to be a back and forth long drawn out hard time if and when anything is undone. I don’t advise i warn do not use this.

Love Klover ! It is the best in a pinch. I have used this app for a couple years now and beyond all the other spot me ina pinch type of apps, this is still my favorite. The others require you to have a job with direct deposit from a payroll to get qualified. Well if I had those i may not be in a spot like I am when I need some help with cash! If I’m unemployed is when I need the help most!! So this is great - as you put in some time with a few ads and what not surveys and could get $5 or $10 quickie loan. Of course I’ve borrowed as much as $130!! The only improvement id make is when 'paying with points' I've earned through the app, I feel should not have to pay back whatever it is i just used my points for - especially if is a rush fee. If give 5 stars if that was the case. But in a relatively short time I could be eligible for $5-$10 and the comparable amount through say a survey app. Could easily be a couple hours! love the whole company of Klover, Klarna, etc ♥️

Not so bad. The app works and gets the job done, when I first downloaded it was under the promise you’ll get up to $250. If you really think that’s gonna happen good for you, but that’s a lie, the max amount I have gotten was $100 and if you don’t use the app in one payment cycle, the amount will start going down again, so it’s made to keep you getting money in order to get a higher limit, otherwise they’ll stop giving you from a $100 down to maybe $30. Also, in order to get money you need to have about 900 points, which you get the points very slowly and when they have promos like “scan 2 receipts and get 200 points” is a lie, never works, so basically you really have to work your points getting 5 points for each receipt or 10 for watching adds… just imaging how many adds you need to watch to get 900 points, do the math, crazy. If you’re patient and you aren’t really in a emergency then go ahead and use it, if you need good amounts of money and quickly this app is not for you. A good example of fake offers is this one right here, I’m supposed to get 200 points for leaving a review, but as soon as I go back to the app this is what pops up “offer wall error, unable to fetch offers. Please contact our help center for further assistance.” Like please, I would understand if it happened once or twice but it happens all the time…

Frustrating. So, there’s this function where you can earn points based on what “offers” you take, and the more points you have, the higher an advance you can get. I’ve accumulated 3.7K points and in that time my card is still unverified. Ive made around 8K in surveys and download sign ups, but the only one thats posted to my account is the lowest point payment of 1.6K. I’ve given all my personal information to all of Klovers third party connections, and all support says is “wait it out” The whole point of getting a cash advance app was to pay my security deposit today. Now I have no idea if they’ll wait until my payday. ‼️ So until here I had kept the review in pending, waiting for better service to hopefully happen. It has been a business week since I paid back my late advance right on time and it still says the payment is being processed. I’m so angry with the entire process, and the apps constant crashing makes me feel even worse. Id give it no stars but I want people to see this.

Right on Time. I am very grateful to have found Klover. Living check to check is no fun. It’s even worse when you get paid once a month from the job like I do. Luckily, Klover was ready to help. The app is so user friendly. People who have trouble with technology will have no problem using the app. The layout and design is simple and aesthetically pleasing. After a simple walkthrough setup, which includes linking your bank account, your on your way to requesting some quick cash. Payback timeframe is reasonable and fees are pretty much nonexistent depending on your choices at checkout. What I enjoy most is the extra perks. If you earn enough points by watching videos, answering questions, spinning the points wheel and even adding your workplace, you can take out another advance. Pretty much anytime you interact with the app, your earning points. I recommend this app for and to everyone. Thanks Klover for being there to help us out when we hit those small financial binds. I greatly appreciate your service.

Good at First, but Only Gets Worse. DO NOT USE THIS APP. This app has stolen money from my bank account and the customer service refuses to help me. I really enjoyed the app in the beginning, and it helped me in many rough spots. However, after a few months of using, it just doesn’t work the same. For example, after the first two cash out rewards I got, I am no longer receiving any more. I have been waiting on my third reward for three months, and every time I contact the customer support they just say something along the lines of “Sorry, it may be delayed!” When I ask how long it should be delayed, they only respond with “It may take 2-3 weeks for it to process”. No one has helped me with the fact that I have waited almost two months for the cash out that I spent hours watching ads for, and as far as I am concerned I will never receive it. They have also STOLEN MONEY from my account. When it comes time to pay back the advance, the app has automatically been taking out MORE than what they gave me to borrow. I’ve attempted to resolve this with the customer service but no one has gotten back to me. It’s sad because this app had the potential to change my life, but after you use it a few times they stop caring about you and only care about making money for themselves. Overall, utilize it if you need it, but don’t depend on it or trust it because it has proven to me to be lacking and somewhat of a scam whenever it feels like it.

Absolutely ridiculous. I ONLY left 1 star because i couldn’t leave none!! I have been trying for MONTHS to get my cash advance reprocessed with NO HELP! Customer service is a joke. They offer no real solution. Said my bank is the issue and i assure you it’s not because I’ve called my bank on many occasions and they confirmed there was no attempt in reprocessing the advance payment. All the non sufficient Klover customer service can do is send you and invoice to pay the advance back with tilt debit card, but, guess what?! It’s NEVER SENT. No email not even in my junk folder. Klover, if you can send us an email for us to pay with a debit card then why the heck can’t you just put that option on your app for us to do it to get it taken care of?! MAKE IT MAKE SENSE!!!!! I even offered an alternative email for the so-called invoice to be sent to, and guess what still never received. I have an ongoing email string with your customer service with the same issues, and no recourse given!! GET IT TOGETHER! Do not use this app unless you just want to fight back and forth with some person via email!

Can get $50 for a couple hours of work. I’m not sure what this app advertises that you can get but let me tell you what you can actually get. You can easily get a $50 advance that you have to pay back as long as you get 1500 points to get points you have to watch videos or take surveys or scan receipts that you have, stuff like that. It takes two or three hours to get 1500 points. I’ve gotten all my points and cashed them in for $50 advance. Several times they give you like a week to pay it back and then they take it out from your account automatically so you have to connect your bank account and a debit card and it Has to be verified. They pull out a few cents and it takes a day or two to verify. After that you can get your $50. While you’re waiting work on getting your 1500 points. $50 is the most that I’ve been able to get. But hey, it’s helpful sometimes when I need to borrow $50. I don’t have to ask my friends or family. I can just get on here and borrow it.

Money stolen from my account. I’ve used this app for about 6 months now and haven’t had any major issues until recently. This week, I noticed a random charge from Klover for $10. I ignored it, thinking maybe the monthly subscription was just higher than I remembered. The next day, another $30 was removed my account. I messaged Klover that day and received an email that someone would get back to me in 2-3 days. In the meantime, my account was close to overdrawn due to bills having just been paid and my payday coming up. I borrowed $70 from a family member to get through the end of the week and put $50 of it into my bank account. Within a few minutes of my deposit, Klover took $50 from my account. I put the other $20 in so that the account would not be empty and yet again, Klover withdrew $20 from my account just a few minutes after deposit. I still have yet to hear from anyone in the company and had to put a freeze on my bank account to stop the fraudulent charges. I have always paid back my loan on time and have kept up with the monthly membership. I can’t see any reason for this money to have been removed from my account other than for scamming reasons. It was a very useful tool for a while, but I will be revoking my membership once this is figured out.

Klover Initial Review. Klover is very simple to use, and easy to understand, with many opportunities to earn sone extra cash, spend sone time looking at fresh and new opportunities, and just having some fun. The simple to apply, cash advance feature is very helpful and provides an extra financial cushion for when a little bit of money is needed. I'm not totally sure because I haven't fully read the information on all the Site, but the only concern I can think of is when a small loan is taken out, say around mid-month, then due to be debited from one's checking acct, say around the 25th of the month and the acct holder doesn't get another pay deposit until the first of the following month, I'm guessing this would cause additional costs or fees, and possibly cause difficulty acquiring another advance in the near future; however, I'm not sure because I did not notice any explanation or additional measure that Klover may provide, but I also haven't asked that question of them, nor did I log onto the actual Website to see if there is anything provided on this subject. Other than that, the App is "two thumbs up" for me, and well worth having. Thanks!

I LOVEd it. I had been using Klover for months without an issue. Got an advance for $100 a week consistently for over 4 months. All of a sudden it was giving me an error message. After reaching out to CS, they had me remove bank info and resubmit it. They assured me that would fix it. Well, after that, the app kept telling me that I didn’t have enough points. I reached back out to CS, they said it didn’t make any sense, they could clearly see I was set up for the correct option and there’s no reason I couldn’t take the max and I wasn’t setup to need to use the points. Then I received a message from a different rep saying I am on a waitlist. Like what? After messaging back a few times, all I got for a response was I was put on a waitlist. Why after using the advance for months does this occur? I pay monthly as well.. so no changes to my information or employment or anything that should prompt that kind of change. And no one was willing to correct the error for a loyal customer who always paid back their advance and never had any issues..

Horrible!. The app was great at first, THEN when it came down to my second repayment the app became horrible! My advances were increasing then it took almost half the day for it to pull my repayment from my account and I forgot to unlock my card and now it’s not even trying to pull the payment at all which caused my advances to drop! “Customer service” is absolutely no help as they really can’t do anything and it takes them forever to respond so by the time you hear from them it’s too late! WHY can’t I make my own payment instead of waiting for the app to run it I haven’t had any issues making my payments with Dave OR Empower but KLOVER is definitely the lowest on the list for me rn! Then I’d be wrong to not even allow it to take the payment from my account. DO BETTER! Stop acting like y’all can’t make other options in 2022 almost 2023!! UPDATE ** Was already in contact with “support” they’re also no help. 5+ days past my repayment date and all they can say is it attempted multiple times even though I have notifications from my bank on both my phone and email with no attempt notifications. They claim they processed the payment which should’ve been done the day I reached out but instead made me wait another 3 days. App still isn’t refreshing my bank information and nothing loads up properly.

Better lately but still mehh. Charge you a monthly membership and let you take an advance but for some reason one time you will be eligible for $xxx amount advance and then next time you will only get $xx even though your bank info hasn’t changed , your income hasn’t changed… and you paid everything on time consistently since becoming a member. Just doesn’t make sense . And don’t say “well depending on how many points you have on top of your original approved amount blah blah blah” because I’m saying if you have 900 points (max amount to add as addition for your advance) one time and 900 the next there are times where your advance has been lowered inexplicably. Just saying that after loyalty and consistency have been shown with the time you’ve been a member and the payment history you would think your advance would stay at the highest amount you’ve been given not drop to a lower amount with no explanation. Also im convinced no one wine the sweepstakes they offer for 50 pts and entry (1 $100 winner and 5 $20 winner) becsuse I always waste points entering and luck alone would suggest that a $20 would have happened atleast once in the last year

Needs work (some problems). Honestly, I gave it a good amount of time and was hoping for better. My primary issue, the app does not charge you on your pay date like it claims to. And support is slow to respond (only email) and they can not help you apparently. It actually charges you shortly before payday, which is the worst time to charge it as most people living paycheck to paycheck (or not) will have the least amount of money in there account which makes it more likely they will incur bank fees, destroying the point of it. I have waited for a few direct deposits all bi-weekly on the same day and yet klover chooses the incorrect date. Then, I asked support if they charge partial payments and they apparently don’t. But I got a partial payment attempt that I caught because I happened to have my bank card locked and got a failed to process alert from my bank account. I just feel like customer service is very bad, or the service itself is or the apps poorly made… regardless, the problems I’ve had destroyed the point of the app in the first place. This is just my experience.

Great App! Helps Keep Money in your Pockets!. This app is great. I was very skeptical about it when I first got it. I get iffy signing up for things that ask for personal information and banking but I really needed extra money at the time and gave it a try. I have to say since day one, I have found myself using it constantly for extra cash when needed and it works like a charm! This has helped tremendously especially during rough times. I highly recommend it for everyone living paycheck to paycheck or can’t get approved for credit. Thank you guys!! Keep up the good work. Another plus is the bonus incentives they offer for other products!! Btw, I had trouble getting approved for loans including payday loans even with a great credit score. Upon finding other options, I came across this app and it was simple to sign up and get paid. It’s straight forward and to the point. Get cash right away and pay later. No having to worry about asking people to borrow money. This is a huge help.

So far so good. Update from my original review. Issue with bank account verification has been resolved. I like how you can earn points for boost or use them to cover instant transfer fees (8.99). So far so good! ***original review*** I set up everything and for whatever reason my bank account couldn’t be verified by Plaid even though I just used the same 3rd party to verify my account for another application (not a loan app). Even after following their instructions in their help section, it still didn’t work. Then I tried to create a new account with my secondary email thinking it was just a weird glitch … AND THE APP GLITCHED! When I tried to sign in it said that my password was incorrect so I created a new password …. the system said that the newly created password was incorrect. I wanted to try this but I’m done after three days. I’ll be deleting it and pray that my information isn’t

It’s a good app! Just a few suggestions.. The app is definitely helpful, and I’ve enjoyed it and find it unique amongst similar apps, but there are a few things worth mentioning that could be worked on. The first would be that you have to gain points to have an advance available as opposed to having that as an option but also giving a base amount once direct deposits have been verified through our checking accounts. I do also like the option to add value to your advance by scanning receipts, but I purchase about half of my things with cash for better budgeting purposes, so the need to find receipts with my account number was a bit disappointing and I think it might be something good to consider for others as well! I have enjoyed you all’s platform and it truly is helpful and unique, I just thought these things might give users an even better experience with you all!

Lots of Work. The app in service is OK but it’s a lot of work to get a Cash Advance that you still have to pay fees for. Other apps you can just apply for the advance and pay the fee. We have the points and then still pay a fee so it’s a lot. Even when you do it to help with the fees, the amount of points you need to even get $.50 off is so crazy. Use the points system to increase the amount you can get or to decrease fees or to extend repayment dates or something to that nature but the way you have it set up now it’s just too much work unless you really really need it and even if you really really need it they are just other apps out here that don’t require all of this. I like the concept but I think it just needs to be tweaked a little bit so it can be user-friendly worth while to the user. People aren’t going to spend an hour on your app trying to get $50 when they can just go to another app, spend the same amount in fees and get $50 in less than 10 or 15 minutes. Even with that though I think your site is awesome especially being able to link the stuff that you use like places, you shop and etc. Maybe you could even add in gas points or something. You have a great concept it just seems like it’s not synthesized for the actual user. Once you make that connection, I think this would really top the others. I hope this helps and thanks for asking for my feedback and of course thanks for the advance lol.

Your dumb if you don’t use Klover!!!. Like most people who are just everyday workers, sometimes you mis-budget! And when I say this I’m telling you now, I’m not a Klover Employee and I wasn’t told to say this by anyone…. BUT!!! Over any other app of its kind Klover is hands down the best for me , I’ve recommended it too any person who has asked me for money or just falling behind on bills … They Literally have something for everyone! In my case I like to keep an eye on my credit score, and occasionally I may need a few dollars or more then a few lol to carry me til the next week, These days when that happens I don’t stress I just open the Klover account and it’s handled in 1-2 minutes … a lot of these different companies don’t take the people and/or “customers” seriously it’s all about the quick buck or more subscriptions! Klover is stress free … Any other app you have too meet like 9-10 qualifications just to get 5$ Using Klover is not the case! It’s simple easy too use and Fair!! On a serious note Download it already …. See for yourself -Chris M

Klover app. Klover has definitely helped out big time when I was a little short. It’s easy to use and very self explanatory. I’ve been using it for over 4 months now and it’s definitely convenient and a life saver when something comes up unexpected. It also keeps track of your spending and you get points for receipts which also has saved me a few times after being double charged for something and the total didn’t add up. I used to throw away receipts or tell them I didn’t want it but now keep them for points. It causes me to go over my purchases and I’ve caught a few times that an item had been double charged and was able to go back and get them to correct it. I could’ve lost/given away over 43$ on one purchase and only realized it when I was scanning the receipt to get points on klover. I’d definitely recommend this app to anyone who’s curious about their spending and where their money is going.

Amazing app! But keep running into this one bug.. So far I have used Klover to take out a cash advance twice and both times I have received the cash advance with no issues! I love that I can increase how much I can take out by doing simple tasks to earn points and unlock the next cash advance tier. (e.g. watching ads, taking surveys, scanning receipts, etc.) However, I’ve recently come across an issue; When I take a survey (specifically the Tap Research surveys) that if I’m taking too long to finish the survey it will completely kick me out and make me log back into the Klover app. It wasn’t doing this to me previously, so I’m not sure if this is a new bug that is occurring. It does get a little frustrating to try and hurry through the surveys to get the points I’m supposed to receive, I hope this issue can get fixed! Other than that, I’ve been happy with everything else so far. :)

Scam, Doesn’t work, customer service is lazy. This app is a joke and has been since the day I downloaded it. Never been able to scan receipts, the point system randomly changes and when it came to actually linking my accounts for an advance it just didn’t work and left me on a page with a sad face emoji and told me to contact support. When I did get a response from support they sent me a copy and pasted article from their help page, clearly I had already read and determined the issues they stated were not the issue then told me they can’t do anything. Could of taken the time to at the very least look at my account and write me a personal message after determining the issue. Poor app development and lazy customer service. There’s plenty of other apps out there way better than this one, this one feels like a complete scam just like a ton of the other reviews say, notice how fake developers responses to comments are as well. They had no problem verifying my debit card by taking money and not giving it back. Now I have to cancel my card as I’m terrified they will do it again. Don’t do it !! Not worth it

Not the best…. To start the app continuously had issues verifying my card I’d get charged multiple times on my bank statements of a few cents over and over. Even though it was a small amount it continues to say in app that I needed to verify my card in app for advance. Once I finally.. got through that I tried to do surveys and stuff I racked up almost 1000 points and tried to get an advance. I could only take 30 dollars out which was okay with me. I chose the expedited method and waited all day for an update or even the deposit itself no sign of it. Not only was there no sign of the deposit the app that continued to glitch somehow took me back to the you need to verify your card for an advance screen. Which is odd because it literally requested a deposit and was approved hours ago. There needs to be a separate way to track your deposit or even active customer service. I literally did all that work to get points for a deep and the app glitched and now it’s stuck this way. Writing this review still waiting on my deposit. Long story short DO NOT use this app huge waste of time doing surveys and earning points to be scammed out of a deposit with no active support to help resolve the issue.

Eventually stops working, poor customer support. App worked great the first couple months. All the sudden after repaying my last advance, the app no longer will accept my debit card that was already verified and linked to the account. So now I can’t get any advances I earn with points because the debit card was somehow unlinked from the account and fails to link every time I try and re enter the card info. Even went as far as contacting my bank to ensure it wasn’t a problem with my account or card and it turns out it’s no fault of my own because I’m in great standing with the bank. I email support thinking maybe it was a bug and just needed technical support. I was instructed to remove my bank account and re link it and then I will be able to add the card back to the account. I was excited to use the app again and followed the instructions given, and it still failed to link my card. I was offered no further help from there other than an “I’m sorry this is happening to you”. It’s a joke. Especially when there are so many other competitions that I’ve had ZERO issues with. And to show Klover the same level of courtesy showed to me, Earnin, FloatMe, Empower, Money Lion, etc are all competitors that offer better apps and support. I have yet to run into issues until I signed up with Klover. Stupid decision on my part. Don’t waste your time downloading this app, you’ll thank me later.

Cash advance is pointless. This app might as well just be a regular banking app. I make well enough money for a measly $20 advance and not havento watch literally hundreds of afs to do so. Not only that but the because of glitches i dont even get my points for confirming purchases (which is five point’s per purchase within the last 7 to ten purchases that’s available to collect points from) when I tap the purchase it says “youve earned 0 points” and then resets as if ive never tapped it. AND ANOTHER thing. The glitches also prevents me from getting points for putting in my retailer account credentials. so the only way i can get points is paying/playing for offers, winning points (which cost points) or watching ads. You have to watch roughly around 120 to 140 ads just to borrow $20. The ads glitch out occasionally and dont even give you the points or you have to close the entire app to get out of the ad. I would suggest just being a financial advisor/banking app without cash advance features. The point system is a total fail and a waste of time.

Great app all around and easy to use!. I kept downloading different apps trying to find the one that best fits me and my current financial situation and I was skeptical about almost all until I stumbled upon Klover . This app was the most ideal for me not only for how easy it is to use but I loved how they also give you an instant boost that took no longer than a couple minutes to show up in my account ! I needed the money for an emergency bill coming up and as soon as I signed up Klover gave me an amount that I am able to use and repay at a later date which was very helpful and exactly what I was looking for ! I then began searching for apps close to what Klover offers and I couldn’t find one . I’d recommend this app for anyone in need of some quick cash and anyone who wants to organize all of their expenses the easiest way !

Extremely unreliable. Pleas don’t use the app, it’s unreliable at best and if it actually does give you the option to advance without using points beware you probably won’t be able to the next time. Even after clearing payment on time and waiting plenty of business days. The app is constantly behind. The surveys don’t always give you points and there’s not really much help from their team. It’s only one person who gives basic answers. I wouldn’t waste my time with it. While it may work if you use points just know that those don’t always reflect correctly. It’s a lot of work for little reward. Just save time and find another more reliable app. ****update, tried again, waited the allotted time again. Just don’t do it, the whole response from their developer team was just a way to have people think they’re helping but it’s the same old run around the same old story. Don’t do this app. You will be constantly waiting hoping they’ve updated information on their end, but also if your really in a pinch it will only work right the first time, after that it’s just a longer and longer cycle of waiting and uncertainty****

Klover Points Review. I have been using this app for the past couple years. This ad is truly amazing. Anytime I need it any extra cash I’m able to have it in my account within 30 minutes. You’re all OK I had all when I go to complete offer some of them I have never redeemed my points for it. I never deviate my points for the Relief Fund 100 Points, Inbox Dollars 100 Points, Scholly 100 Points, Survey Junkie 500 Points, Sweeps Club 100 Points, and I Love Samples 100 Points. I’m not sure if that app isn’t updating but that was 1000 points and I’ve also completed a couple surveys that I never received points for, and I had receipts that I scanned that match my checking account and I only received 5 points and I should of received 50 points. That happened about maybe 8 to 10 times. I know the app was having issues for a while but I should receive all the points that I missing. Besides the points issue, this app has been a lifesaver at a time in need.

It works 3 stars worth, let me explain.. 1. It’s a gaming system. Watch videos. Give information and you earn point. 2. The most you can borrow is $30 which is 900 points. Points are easy to get. 3. You get points by doing things they let you do to earn points. Example: answering questions on your age, race, address, ect. 4. You must link your debit card associated with your bank account in order to get the money. Guess what? It’s a $2.50 a month subscription you are signing up for. Clever. 5. I thought this was a “pick an amount” and borrow it. Nope. It is a maximum of $30 which is payed back within a week or two automatically since you had to link your debit card anyway. *this isn’t what I thought, but I did get $30 within 60 seconds, but had to pay like a $4 fee to get it that quick. Otherwise, I would of waited 3 days for a free deposit. Maybe they will grow into something much more. At this point, I’m just going to rack up points since $30 isn’t enough for me. When it is enough for me, I’ll have the points.

Inconsistent, and bad customer service. I’ve had this month for up to 3 months. Things were going fine, besides the normal issues you’d get among at other apps too. Main issue first started when an expedited request I mad at 5.00 on a Sunday didn’t hit my account until Friday morning 5 days later the same day customer service finally got back to me. The 4-5 business days shouldn’t be that long for a simple email considering usually first responses don’t even solve the problem if it’s something that still hasn’t fixed itself within those 4-5 days. It’s also inconsiderate considering most people using this app cannot wait 4-5 days for something they expedited in less than 1 and still get forced to pay a 9.99 charge (for $100 advance). The final straw came when all the sudden my bank connection needed to be reconnected and I kept getting the same message when I went to do so “Your account already connected” Plaid reached back to me within a day explaining what to do as well as telling me to reach out to Klover, which I of course did before hand. Still 6 days later no email response. I actually sent a 3rd message out to Klover as I was furious over the customer service to just cancel my account. Rather than emailing me back over my original issue or even trying tj solve ANY issue I’m having with them which I made clear in my final email they just rather not dealt with any of it and canceled my account for me. Super disappointing.

Would give zero if possible. This app does not deliver on advertised promises. Had the app for several months, always running in background using battery and data, no change. I maintained bank balances and deposits well above there minimum, but never got off the so-called “wait list”. But the REAL kicker was the inability to change my bank info, neither in the app or with the assistance of “customer service”. My account info was stolen which necessitated a change in account numbers, card numbers and what not. When I couldn’t make the changes in the app, I reached out and was informed that there is literally NO WAY to update, change account info? Are you kidding me? This is such a basic thing, especially when dealing with numbers actively phished for fraudulent purposes, I still can’t quite wrap my mind around it. It speaks to the the lack of foresight and careless disregard for their current and future customers. On an unrelated note, I have not met one actual customer of Klover who is even moderately pleased. I have heard multiple stories that match my experience. All of them downloaded the app on the misleading advertising that highlights advances that never materialized, even after months of maintaining standards and letting the app constantly track your every move. I honestly doubt the veracity of any of the glowing reviews.

Shop around first. Loved it at first , no other stuff thrown in . Just direct and to the point. I even started saving receipts for the first time in my life . And then the bank issue. It is important to update your login credentials every few months to keep your accounts as secure as possible. The fact that you can not just unlink the bank acct and re-link backup bc someone changed their bank login info is, for lack of a better word, shocking. Tbh I thought they were lying to me until I saw all these other comments. The best part, which isn’t where I spent months paying on time etc never late to be banished, it was where when I asked if there was a timeline, I was told I don’t qualify- which didn’t even make sense nor what I was asking. That’s it , they never responded to me again when I asked for clarification on what they meant by that. Eventually after a few days of being ignored, I asked to just delete my acct and I’d move on. Guess you’re not allowed to do that either bc I’m at 5 days and counting w/o a response. Two stars bc it had potential and im writing this on a Friday. Disappointing.

Scam, misleading, and just pointless !. So im eligible for $100 advance BUT every time i try to complete or sign up for the 4000 point offers….the app connected to those 4000 points either doesn't load, wont send verification email etc yet the smaller point ones will with no problem. Im starting to feel like you guys intentionally rig these points to keep people from getting the advance. Be honest because noone is going to join 25 plus apps or links to get that. Why make it so hard and you guys have our banking info? If the person is paying it back, is in need of the advance, why be so complicated ? You dangle it and take advantage of people who may be in need? Thats decent to you guys? Right now id need to get 3,500 points to cash out $100? Huh ? Thats so many spamming apps. At this point can you just delete my account , im going to leave my review and not look back. I did one measley advance and the next 1 has triple the points to cash out, ????? make it make sense and be for the people and not greedy to the people. Its 2nd hand embarressment seeing a “referral” option - never again

Possible Improvements Implemented. I really needed a loan yesterday to pick up medication. Klover made me enter in my debit card information for the second time this week. I've taken out and repad loans before, so this made me feel suspicious of this company's practices. In addition, I was flabbergasted that this company will charge 9.99 for an instant delivery for "maybe" getting your money quickly and under 5/6 hours. However, the app finally decided to not blame my bank and I was back into the system by early a.m. today. So far, I was able to take out a small amount and I've paid 2.99 for immediate delivery. This time though, the company is guaranteeing my money will be delivered within an hour. It's been 25 minutes, so I'm hoping that the deposit will actually follow through. I'm willing to be proven wrong. One positive: I appreciate Klover having a cash out limit based on payback ability and current income. I don't mind not being able to take out the full 100 because I understand the smaller loan amount is meant to help mitigate overdrafts. So I really agree with that practice. I'm hoping this new delivery time is accurate - we'll see

Best App. I was browsing Facebook, like any other day, and suddenly I saw that a friend shared an App called klover, so I decided to take a look at it. Then I discovered the marabout of the app that tania in front of my eyes and at that moment I was going through a bad time so I decided to ask for a loan from klover and if in 2 minutes I already had the money in my bank, the fantastic thing about klover is that I never They will ask you for as much information they believe in their users as we users believe in klover, and the best of the best there is no interest but if there is a fee that is worthy for the Klover loans, it solves my problems. The most elegant thing about Klover is also that if you invite a friend they give you $ 20 grace if free, fantastic, I really recommend Clover and I want them to give them 5 stars because they are a wonderful team.

A few surprises but better than most. It kept saying all I needed to do was this thing and I would be approved and I can get my money right after I did this and I did and when I went to try it said I didn’t have enough points so then I spent a bunch of time after earning the points, which was actually very easy and no problem and it wasn’t like I had to pay a bunch of money or something, but there was a subscription fee. I wasn’t aware of that and that’s probably my own fault for not reading and I was in a hurry but I did end up making it to the amount that I needed in about an hour or so. It wasn’t too difficult and kind of expensive to get the money the same day, but they also let me have points towards that, so it didn’t have to be so high. Overall, I’d say I’m pretty happy and satisfied with this app and I definitely will it be using it again.

Claiming I didn’t pay but in reality I DID.. I have been using the Klover app for quite some time now and I took out a loan back on October 20 and I successfully paid it yesterday. However the Klover app is claiming that I did not pay anything even though it is reflecting on my bank statement that I paid the $114 and it has been successfully posted to my bank account and has been dedicated off of my available balance within my bank account; in which I have also provided screenshot proofs of my bank statement to Klover via email. Now all the sudden the app is asking me to connect to debit card even though my debit card has been connected to the Klover app for the past few months since I started using the services. I find it funny how Klover chooses not to respond to any email that I sent this morning and nor do they have any phone support to quickly rectify the issue. It’s funny how they can take a payment and deduct from somebody and then claim later on that the person never paid them. This is uncalled for and this issue needs to be handled and rectified immediately as this is unfair to me as I do have debts that I currently owe and need to pay.

Eligibility for advance. I haven’t seen an option for a non-points advance since they made points advances a thing so I finally got curious and asked support what’s up. This was their response: “Here at Klover, we have a few strict requirements that need to be met in order for a customer to be eligible for an advance. One of these requirements is a customer must have a pay cycle of either 7 or 14 days. In addition to that, the paycheck must be directly deposited into a checking account on a Thursday or a Friday.” I technically get paid on Fridays but the bank account I have connected pays out early (on Wednesdays). I’m asking if I can send paystubs to prove that my paydays are Fridays and see if they can use that instead of me having to connect a different bank account; I’ll update this once I get a response. Just wanted to let other people know that if you can’t get a non-points advance, it might have something to do with when you get paid.

Gaining points. Hello! I have been a Klover user now for a couple months but only took a advance out now twice. The process is understood but tedious than most, here’s why: - when you need an advance you must gain 600 points for $5. How you’d earn these points is by ad watching, which would give you 10 points each ad. Sometimes though, using the ‘watch ad’ tab DOES NOT always give you the points. Instead it’ll go to a progress bar called “watched ads” where you can watch 20 ads for 200 points. You have several options to scan receipts, as well as logging into your Walgreens, CVS etc accounts to also gain points. Would I recommend Klover - Yes and No - here’s why - if you need a advance and you have the points and the correct bank for it, you will get the payment. Here’s why No - due to the fact you have to gain points in order to get your advance, without a lot of ways to gain quick points it will kind of make people go to MoneyLion or Dave. I also find it unfair because most of the time you do not gain the points you did a survey for or made a account for. I recommend if you are going to use Klover, make sure you don’t need the money at that moment. You will need spare time to work for the points. Also, leave a couple points within your account as well as open the app everyday to gain 5 or 10 points. Lastly, they now offer the option that your 5 recent transactions within your bank account, can now be claimed for 5 points within the Klover app.

Eh, not great in comparison to competitors. Firstly, as a person who has a long-standing consistent direct deposit history with a relatively high-earning occupation, the most I have ever qualified for is $45 off the bat. If I factor in the “points system” (which I have mixed good and bad feelings about), the maximum has been $70. This is typically during a week where I work many days in a row and allow my location services to be on at all times with this app. During weeks of paid vacation, I’ve seen this drop down to $10 (LOL) I regularly log into upload receipts, as I use several receipt tracking apps for points. NEVER have I seen anywhere near the $130 advertised all over the place. The interface/design of the app is lovely & modern. The “instant” boost costs $9 and is processed the following business day if requested after 10:30AM CST (rendering the “instant” perk virtually useless and an unnecessary $9 fee (which is also by far the highest “instant” fee among its competitors). When I add up all these irritating obstacles and shortcomings, I find myself using this particular app among the last if I find myself in a pinch in need of cash, as I know the reality is I may receive $25 in like five business days in most scenarios. Typically, my cash flow situation is solved by then, rendering this app more tedious and useless. FYI, apps like Solo, Branch, MoneyLion, Brigit, and even FloatMe have actual “Instant” perks which cost half are literally instant.

Was Great Until It Wasn’t - Bad Customer Service. this app was a lifesaver for me, but be warned if your debit card is close to expiring or you get a new one you are screwed if you try to use Klover again. I have spent the last week attempting to put my new card on file with Klover and was getting nonstop error messages. I tried everything from logging out and back in, uninstalling the app and reinstalling, completely removing my bank account and setting it back up, literally will not verify my new card. I contacted customer service explaining this and instead was told to try logging out and back in again, when I said in my original message I had already attempted this. I tried a few more times just to be sure and nothing. Tried reaching back out to customer support on their feedback email and heard nothing (I also work in CS using Zendesk and I know they see the negative feedback in their system, lol) I just tried to reopen my original help ticket so we shall see. I guess i’ll edit this review if I ever actually get help.

Better than nothing. At least in this specific situation.. It would be really really nice to be able to get the hundred dollar cash advance that is advertised by & for the Klover app. Otherwise it is a very good app. It’s easy to navigate and I enjoy spending the wheel and doing the sweepstakes. I’m not big on surveys but I don’t mind everything else. I would just like to be able to get more than a five dollar cash advance because I do have direct deposit and I have been using this app for about six months now and I’ve only been able to advance $20 twice and every other time it’s been five dollars and I always repay my cash advances with tip every time and on time. At the very least I would like to have an explanation as to why you advertise $100 cash advance but then only offer five dollars to the occasional $20 for people that do have qualifying & Recurring direct deposits.

Best App for advances if you are struggling paying a bill!!!. Love using Klover. It’s fun to use to get points up to where you can get more cash advance. Love how you can get your advance within an hour or 3 business days! You can choose an amount you need by using your points. You can spin a wheel to gain points, take surveys, watch videos, sign up for different things to earn points and you can scan your receipts to earn points as well. I spent points for a $60 cash advance and I got it within a couple min! I would suggest using Klover because there are a lot of great thing you can do to earn points and get a cash advance if you need it! They take the advance out of your next check so you don’t have to worry about forgetting to pay that back. They keep track of your spending and you can get your credit score as well. I will definitely keep using Klover!!! 10/10

Fast and easy. Honest opinions about the app are that I love it! Klover’s entire process was easy to understand and use. Being a college student I sometimes find myself stuck in a bind to pay bills, pay for food or gas. But thankfully I was able to get out of that due to this app. The process works by setting up an account and connecting your information to the account. For me it took less than 5 minutes but it says it could take anywhere from 24-48 hours to verify your account. Once verified, you’re brought to their main home page where you can complete tasks to gain points. As you collect more points you then can use those to redeem a boost. The more points you earn the more you will be able to pull out. Once you’ve reached the points you need to pull out a cash advance, you can proceed to transfer the funds to your bank. You’re given options such as your next payday, tips, and whether you want it instantly for a small fee or for it to take a couple business days with no fee. Overall this app is easy to understand and I recommend it to all my friends who are stuck in a bind or just need a little extra.

Great Until Not So Great. This app was working great for me for months and then all of a sudden it won’t give me points for receipts that ARE in my account but states it “doesn’t match with primary account” and then I only get 5 points. No I’m using or paying with any other form of payment, only the connected and linked card. When I did try to reach out about it I get no response. I even emailed my “digital receipts” to the email they supply on their app multiple times and I haven’t yet to receive a response back or any points at all. This will be my last time using this app as it’s been happening for months. NONE of the receipts I scan work or ever give me 50 points. They even say you can get 2X the point for Walgreens receipts. But I even tested the theory and went to Walgreens and used my only debit card (linked in app) and it only gave me 5 points because it said it didn’t match my “primary account” which isn’t true because I only have one card. It just says the same things over and over. I’ve followed all rules and guidelines and they still screw you on your actual points earned. I did recently get a response from customer service basically telling all the same stuff I already was aware of. I don’t ever get any help or anything ever resolved with this team or app.

Alright, could be better. Getting points is harder than they make it out to be, I watched probably 50 videos for points, it only gave me point for 5. It also says Dollar General receipts are worth 2x the points, all of the ones I scanned match transactions in my bank account but it said they didn’t do I didn’t get the double points. It also won’t allow me to connect my retailer accounts, gives me an error saying my login information is wrong (it’s not I changed it right before trying) and it’s impossible to get ahold of support in a timely manner. Also, you can use points to pay the instant transfer fee, but they want you to use the same amount of point for that fee as you are using for the advance… it should line up with the amount of points you need per $10 advance (300 points = $10, so the fee of $4.99 should only cost 150 points, not $900 when you’re trying to get $30) If you fix the issue of only giving points for 5 videos a day, allowing people to use less points to get instant transfers and also sticking to what you say about double points, I will update the star rating.

Don’t bother, very misleading.. When you first download Klover, you are very likely to get a cash advance. However, they don’t prepare you for how impossible it is to keep receiving advances. They go by a point system, and it’s 5000 points to get a lousy advance of $100 on the same day. Otherwise you have to wait 3 business days. If you get paid on Fridays, you will not receive your next advance until the following Wednesday, only to have to pay it back two days later on your payday. You can answer stupid survey questions, or watch ads, or play games that you would otherwise never play to get a minuscule amount of points at a time. It would take you WEEKS to build up to 5000 points. Once you spend it on one advance, you have to start all over, as you have no points to get another quick advance. This app is a scam and not user friendly at all. People who are applying for cash advance need them to be accessible right away. I never would’ve opted in to this app, but I had to pay a bill. The next bill cycle came and I had to make a late payment because I didn’t have enough points. Try telling your lien holder you didn’t have enough points. Never wasting my time with this again.

Not a care in the world about their customer base. First of all, despite having fully repaid anything I ever borrowed from this app and having then requested a complete deletion of my account and being told my account was removed. However, here they are trying to pull out $4.00 from my checking account again. Considering i deleted my account, i find this absolutely ridiculous. Not only that but since i noticed the aforementioned attempted charges to my bank account, I decided to login to the app to see why. Oddly, my password didn't work. I sent a password reset request. I received an email containing the reset link. The link very prominently displays it's "https" wording in the link text within the email. Great, but when you actually click on the link you're forwarded to an insecure page that does not use ssl certificates. This is 2022, and let's encrypt literally gives away SSL certificates. There is absolutely no excuse for any company, especially one that offers financial services to leave their users unprotected like this. In fact, I think there might even be laws against this.

Hands down worst advance app. This app was nice at first but then as i kept using it they started changing and updating things like how many points you need for advances and making it more and more difficult to actually get the advance unless you want to spend money you don't have on their partner apps they advertise to get the points or invite friends which generally takes forever or you dont get the points so you have to watch hundreds of adds they get payed from you watching to get an advance you pay to get just makes no sense they know they make the most money from people watching adds for 10 points an add so they keep increasing the amount of points you need to get the advance not to mention they cut you off of watching the adds after a number of adds you watch till the next day, they rather profit from add traffic and partner offers than actually do what they advertise they do this app will not survive in the long run unless they accommodate the users more, the whole point of an advance is to get it when you actually need it not when you’re able to earn it a week after your already homeless or lost your car

App was completely useless for me. I filled out all the details and they told me I was approved, I just needed to link my debit card. Once I linked my debit card, I got extremely conflicting information on the status of my account. I kept getting notifications that told me my card was verified, I went through the entire process to the point where they told me “your money will be in your account in a few minutes!” Then I waited for a few hours, went back to the app and it said my debit card needed to be verified…so I entered the information AGAIN and it would not even try to verify again. It would not say it couldn’t be verified, just nothing would happen. So I disconnected the bank and reconnected it and entered the debit info again and the same exact thing happened. I figured oh well I guess it’s not happening, but now I’m getting emails asking me if I’m enjoying the advance that I never received! You guys need to figure this out because if your system thinks you gave me money, it’s wrong, and you can check my account transaction history to confirm that.

Did you know that you can earn 25 USD from our site just by registering? Get $25 for free by joining Payoneer!

Imagine you at your best. All the time. Picture yourself at your sharpest and most productive. Your most alert and focused. Your most lucid, creative and confident. At work. At play. In every area of your life. Add Mind Lab Pro® v4.0 to your daily routine and uncap your true potential. Buy Now!

Adsterra is the most preferred ad network for those looking for an alternative to AdSense. Adsterra is the ideal choice for new sites with low daily traffic. In order to advertise on the site in Adsterra, like other ad networks, a certain traffic limit, domain age, etc. is required. There are no strict rules. Sign up!

Please be aware!!!!!. I have been signed for Klover for 2 months. I have never once been able to take out an advance cause you have to earn points by subscribing to affiliate offers. I have screenshots I wish I could attach here. The advance I was eligible was $5. I had 620 not enough to ever take that advance. It would take months to accumulate 1200 points to be eligible for it. Now I get a notification from my bank that they took $3.99 for the Klover plus membership I don’t remember signing up for. Now hey would I pay $3.99 a month to borrow $5.00???? They are borrowing from me!!!!! I haven’t been able to ever take an advance! But they did! This is the worst borrowing I have ever used! At least worth the others I can get $25 minimum! And they really don’t do much in the way of showing you your spending habits or budget! Just a bunch of advertisements for you to earn the points to be able to borrow!!!! Unbelievable! app I have ever

spin the wheel of luck with this one. The interface is OK, however it amazes me how your points just disappear for no reason. One day I have enough points to take $130 advance, I wake up the next morning oh look I can only take an $80 advance and there is no proper accounting or reason where my 300 points have went to overnight. They like to lure you to buy these offers and scams and you end up spending more money than you’re taking in advance so it’s just really taking advantage of people who just simply wanted advance and not wanting all the gimmicks and subscriptions and fees that are associated with it. The app then asked for a tip which I get it but here’s a tip, be a legitimate app and give it in advance don’t get people more in debt than they already are by forcing them to sign up for subscriptions and ending up costing them more money in the long run and get further in debt.

“Earn points” to get money is a bit unnecessary. Needed some money fast to cover my negative balance since my check doesn’t come in for 2 more days and I found Klover app on the App Store. I thought this app would be like Dave where u just put your info and they give are able to give you a cash advance instantly. Instead with Klover, you have to “earn point” in order to get up to $40. I thought this was very unnecessary for a small amount they are lending you. I had to watch up to 20 ads and answer surveys which took me almost an hour to do. If they were to either increase the money they can lend you then I wouldn’t be as annoyed to “earn points” or if they just get rid of it in general. Other then that it is a solid app option if you need some extra cash right now

Go Elsewhere. With so many other better options out there, I highly suggest people look to other apps like Branch, Dave and Brigit. Klover is somewhat of a joke. There is no consistency in the amount they allow you to take out. I recently had an issue where they were not able to connect to my bank to see my last payroll deposit. They informed me they were not able to relink accounts. Keep in mind this also happened to the other apps I use and they were able to relink my bank account with no issue and everything was working again. Klover apparently doesn’t want my business so I am done. They gladly deleted my account as I asked of them. Don’t use their service. You’ll be much happier elsewhere. UPDATE: The ‘developer’ responded and asked me to reach out to them for help. Already did that and was told there was nothing they could do so I just had them delete my account since they had no interest in keeping me as a customer.

Used to be great. This app used to be great, it has recently undergone some changes and now makes you jump through hoops to actually use the cash advance feature. You have to watch video ads in order to gain points but limits the amount of points you can gain per day. So it has watching ads for hours over days to gain the points you need to advance. Let’s also mention that the ads that you watch either freeze or are so off centered that you can’t actually close the ad once it’s over in order to collect the points. You have to close the app altogether, re open it and guess what - it doesn’t reward you points for the ad you just watched. So many bugs, the app has so much potential but the people making decisions clearly don’t want customers to continue using Klarna. Save yourself the hassle and download Earnin or Dave or MoneyLion. Apps that will actually work and give you a cash advance without making you jump through ridiculous hoops to do it.

Greatest asset in the tool box. Klover js been there time and time again for everything from costing an arm and a leg in unnecessary overdraft fees, covered late fees and subscriptions last minute time and time again which save countless overage charges, heck- it’s even bought me a gallon of milk between paychecks which literally sustained me long enough to generate more income. Klover has picked me up out of raging waters where I would surely have drowned financially if it weren’t for the little extra help they give and continue to give as I repay my advances on time!! Thank you Klover for being an asset in my toolbox that has helped me bridge many instances where I came up a dollar short but have now learned that Klover always has my back!!

Klover Exceptional Service. Good afternoon. I just wanted to say how quick, efficient and professional Klover is. I am having a little bit of financial difficulty this month because of an unexpected expense so I started shopping for a cash advance app that would take a minimal amount of time to make an advance to me and after searching I came across Klover. I literally filled out the application, connected my external bank and literally within a minute was approved an I have $150 being deposited to my account. There was no long drawn out process and everything on the app was simple and definitely user friendly. I want to say thank you so much and I am definitely touting and praising you to all my friends and associates and highly recommend you!!

Thankful. Times are tough for lots of people I’m sure. I’ve been trying to get by paycheck to paycheck but unexpected things happen to make it even worse. Anyway, I’m super grateful I found this app and how easy it was to just get a little bit of money to hold me over until next payday. Also I like how this app lets you earn points in a lot of different ways, and it’s pretty interactive with the little animation celebration when you earn points. Thank you for this app it’s really helping me out. The only downside I will say is that the immediate cash out is not really immediate but you get charged a fee to have that convenient option, but it still takes awhile, it’s a bit misleading. That’s my only con.

I don’t even know what this is.. It’s essentially Earnin and Dave except one million times worse. Everything about the app is janky and just poorly programmed. They want you to take surveys for points toward a boost, so basically you’re spending hours trying for points that are not guaranteed for 10 bucks. The fees are ridiculous. 11 dollars plus an optional tip for a sixty dollar boost. Most of the things you sign up for are scam websites fishing for emails to send spam to. This is definitely one of the worst cash advance type deals out there. It barely works, it’s not worth the time, the support is awful, it’s just trash and I’m surprised it’s still around. Watch your butts too because you may notice missing things, just a heads up. 2 stars because, hey, I got 10 bucks when I needed it. Only cost me 3 dollars which is a 300 percent APR. literally worse than a payday loan on paper.

Good app for small advances. I was looking for a small advance of less than $50 and found this one. I was hesitant at first to use it because it does require you to accumulate points to get to higher advances. The most I can get to is $30. You get points through taking surveys, watching videos, scanning in receipts, or looking at the apps of other partners. It actually was pretty easy to accumulate points and not as hard as I thought it would be. The payout process has been relatively straightforward and there is a fee attached to the payback amount especially if you want to express the payment. Overall it has been a good app for small advances if needed. I have been happy with it so far. 🙂👍🏽

If I’m having to work to get the points to get a boost…. If I’m having to work to get the points to get a boost, I shouldn’t have to pay you anything back. There are lots of earn points for cash apps out there where once you meet certain tiers or caps, you get to cash out and owe nothing. I’m essentially working to get paid and then being told I have to pay what I’ve earned with interest, which is weird. While your point system is far less ridiculous and more realistic, it’s a strange method to use under the guise of a “boost”, especially since you already have my income information, etc and have approved me anyways. At the end of the day, if I’m doing work for you “watching ads, completing surveys” you pay me and the exchange ends there. I don’t know if this is criminal or anything but it’s definitely not leaving with me a good feeling. I know partially my experience is based on this because of the type of bank account I have, but still… it’s sketchy.

Amazing App. Whether you’re just trying to get your credit back on track or you’re in a bind financially and need a little boost to your bank account, this is the app that does all of that. You’re able to get a base amount for a small dollar advance and you have the opportunity to earn points to get more of an advance. The fees are small one time processing fees for instant delivery of funds or you can wait a couple days and get it fee free! You can leave an optional, small tip so they can continue helping others but that’s not required. They have definitely been there for me when I needed it between paychecks. My only complaint is that you’re unable to pay your loan back prior to the due date but that’s not that big of a deal to lose a star over!

Zero. I keep getting emails from you guys saying I qualified for an advance like for 200 about 10 times a day… I download the app years ago, you wouldn’t accept my debit card for some reason when it was chase bank, so I gave up but then recently I’ve been getting the emails! I read the fine print it does not say if you do a point system, if you do this or that. False advertisement, so what you did was is, got me to click on the link and sign back up, and use my bank information only to tell me I have to pay for a monthly fee before using the app … So I complied I was put in my bank information agreed to the membership, just to be logged in and told yay you qualify for a five dollar cash advance for 9.99 a

Honestly easy & great !. I am currently in between jobs and Klover helped me get a $50 cash advance as soon as I signed up and was even able to redeem points for another cash advance loan on top of the $50. They really are here to help and you also have fun within the app. You can earn points which turn into real currency from uploading pictures of your receipts, to taking surveys, to signing up for stuff for free, to way more stuff ! Download this app to help with credit, to get cash advances, to help save money, money management, and it’s a laid back app. There not always on your case and they give you time to pay back cash advances as well!

Users Beware. This app used to work… I was able to scan receipts and do surveys and get points. In the last month however; I’ve been unable to scan receipts OR get credit for the surveys I’ve done. In regards to receipts, I save them all. I’ve tried no less than 10 different businesses, with nearly perfect receipts. Businesses I’d previously used in the past. Big box retailers etc. The function is broken. I emailed their tech support, they blamed it on my receipts, then stopped responding. As for the surveys.. the handoff between Tap research and Klover is abysmal at best, more times than not you won’t get any credit for your surveys. If they want you to do 10, you’ll get credit for about five of them because the app won’t process that you actually did the survey. What a coincidence… Based off of the experience I had; they don’t care to fix these issues, which is unfortunate because the premise of the app makes sense. The dev team needs to be aware of these issues and I feel like they aren’t addressing them.

Huge Help!!. Was in a tight spot and Klover made getting extra money easier. The sign up was smooth and as long as you have a steady income that will reflect when you are connecting your bank account to the app then you will enjoy all the perks of the app. To give future users a heads up the app works off a point system so of course watching internet ads, referring friends, taking pictures of your receipts, and etc will generate points which in turn will increase how much money you are allotted for an advanced. You do however get a pre selected amount based off your income. So just a little info for those who are skeptical. I’ve enjoyed the app so far.

Half descent. Klover is an essential app especially in this day and age when inflation is through the roof and people are trying to survive . At first glance upon using the app i was quite pleased , i got a $20 boost initially and then a $40 boost later . That’s when i became disappointed . Why do we have to “hater points “ to get boosts . We have to complete pointless surveys , watch videos , etc all to collect boosts that are not even significant . If you ask me klover is a waste of time and needs to be shut down . Allow people to get greater boosts without all the extra footwork . After all the money is coming directly back from their bank account . Also stop charging 4-$7 for a single boost . It’s ridiculous !!! Learn to update the app more frequently so it reflects our direct deposit history more quickly . Honestly you guys could learn something from money lion “instacash”…

Klover is a great apps to use!!!. I love this app it help me when I was broke. It came through when I needed it the most. It also help you build up points in making offer, the more offers you do the point you get and the more money can receive when asking for cash advance. The more points you received the larger the cash advance so thank you Klover for your help I definitely be using your app a lot more. Thank you for making my life a little bit easier. Also the app works for people who are working a job that way u can paid these advances back in order to get more advances other than that thank you again.

Great Service!. I used to use Earnin. I used to think that their service was helpful. But, they have given me too many issues since I have been working from home due to COVID-19. Since they track your location to determine your earnings, I don't have anything available since I have been working from home. Then they said they needed to verify my work through my work email address. I gave it to them. They said it didn’t match and they couldn’t verify it. So, I still couldn’t access any funds. Nonsense! I decided to start looking for alternatives. Then I found Klover. The whole process was seamless! I signed up and I was able to get the money that I needed immediately. This is a great service! Glad I found it. I deleted the Earnin App.

Klover app is a life saver. Gas prices are steady going up and with other expenses for me and my family it’s a struggle too have enough extra money for gas that will last 2 weeks until I get paid, my family’s necessities come first but I can’t work if I don’t have gas too get there. Klover is a life saver, I got an instant direct deposit once I verified my account. I just wish you had more time too pay klover back because I get paid biweekly and Bc of that I really need a few more days so I can get paid instead of having my account overdrawn which will cost me even extra. Klover should have an option where you can get an extension on the payment, klover could even charge a centaur extra percentage so they make money too, just a thought..

Useless. I tried to take an advance on my paycheck and they want me to pay it back in three days, which is four days before my next paycheck. If I agree my payment will bounce and my bank will charge me fees. There’s no point in taking an advance then. Also, Kleo wants me to tip on top of already charging me $13 fee to get $100 that took me two weeks to accumulate points to take out. The games they make you play to gain points are just ridiculous. I don’t think anyone who needs an advance wants to go on the app for fun. None of it is fun and is very condescending at best. People are on the app because of a need to ward off a financial emergency not play stupid carnival games or be taken advantage of by signing up to buy something they really don’t need. Whoever designed this app is completely tone deaf to the needs of it’s customers.

A different way to get cash advances. I think it’s my first time making a review for any app and I just had to make one for this one cause of how genius it is. I’m in a pinch before payday cause rent is due and I came across this app. I was worried it be like the others where you have a to pay a monthly fee or have to get a card with them to use it but no this doesn’t do that at all. Instead it’s through there one point system. Just doing basic things like setting up your account or scanning a receipt adds points to your account to raise your advance amount. It’s non intrusive with the system and quick to set up and get money. Thank you Klover 🍀

Inconsistent/now just silly (round 2). EDITED- well after my review Klover reached to me and I thought - awesome! They will fix the issue and then I can adjust my review. Nope! More customer service reps who don’t offer any real help but tell me my bank “stopped” sharing info. Confirmed with the bank it’s an app issue. I’ve reported to the app no less than 3 or 4 times that I need to re-link my bank account because something is wrong and the app won’t allow it...just sent another email asking for a customer service phone number or real help...I’ll wait. I should say before the I had this CS experience I probably would have given 5 stars. Original review: I got 2 boosts and suddenly I’m not eligible after the app updates - even though nothing has changed in my employment or anything. Customer service has been little to no help, just canned responses tht don’t tell me anything specific to my account. Just “not all customers are eligible” - so inconsistent it may be better to just go get a cash advance even though it’s kind of a pain.

Best Cash Advance App Ever!!!!!!. Literally, it’s like a financial assistant at your service 24 hours a day. If i need some quick cash I know longer have to walk with my head down hoping to get luck and find a $50 bill on the ground. I am now lucky all the time because I literally walk with a “4 Leaf” Klover in my pocket now 24/7. This app is app is literally like that friend that you go to when you need to borrow money! I also love that when I’m having a bad day I can go on the app Klover literally greets me with FREEEE POINTSSSSS! So that I can get even a bigger cash advance when I need. Thanks Klover for always being there when I need you the most. I know I can always count on you!!

Very frustrating and inconsistent experience. Can Klover provide cash with short notice? Yes (sometimes.) Is the cash they provide worth the frustrating interface and hoops you have to jump through? Usually no. They typically try to withdraw funds the day before a paycheck is deposited, and if funds aren’t available they will try later but will also reduce the amount you can borrow because you “didn’t pay back on time.” This makes no sense given that in their approval wording they agree not to attempt to withdraw funds before the date of your next paycheck. Very weird algorithm. They also make you earn points to be able to withdraw higher amounts, but again, the worth of the points vary wildly. Some days 600 points gets you $100, other days $30, just depends on how the app is feeling. Also advertises for some very sketchy apps. All in all, might be a short term solution if you meet all the qualifications, but needs a lot of work.

New To Klover, Still Feel it Out. I started using clover last night, and was approved within five minutes. They have a point system that I’m still not sure how to use but I think with a little bit of time it’ll come to me. Applying and getting approved was super easy especially if you get direct deposits from your place of work. They analyze your data from the bank you linked and approve you if you have at least 2 to 3 current and valid paystubs in your bank account. Money was there after being approved so that’s great. The ONLY thing I don’t like so far is the $8 dollar and some change instant transfer fee. I only say that because I’m familiar with other apps such as Earnin who have no transfer fee. Other than that the app is great and you get money when you need it. I’d definitely try it if you need some extra cash. Also try Earnin and Dave if you haven’t already.

Forget asking family, get this app!. If you’ve ever caught yourself having to ask friends or family for some cash to cover you till next payday, skip the embarrassment and give Klover a try. Get $ within minutes to your bank account, and it’s like a $5 fee for the spot. You’ll be approved for a certain amount, but you can watch video ads, scan receipts, link Amazon..tons of things to get points which boost the amount of money you can get! I’m approved for a $50 boost and can get $90 by using points by doing simple things. I’ve only had the app for less then a month too! No waiting to get approved for a decent amount of money. Love this app and recommend it to all my friends and family. You can’t go wrong!

Change of app ruined my ability for advance with no explanation.. I love that it is so easy to use this app and earn the points to boost your advance! Still easy to use however, they changed something a few months back and the payday advance I was getting and paying back on a regular and consistent basis is somehow no longer available despite never having any issues. What they changed, it isn't obvious but they cut me off from my ability to get a $100 advance based on my paycheck without explanation and it has been 4 months since I have been able to get a cash advance unless I earn points and only advance I can get is based on the points I have earned despite my paycheck amounts never changing. Plus they still charge you a monthly fee to get the advance based solely on points despite being told differently!

Love this APP. This is one of my go to apps. I personally think it’s better than the Affirm’s. I like that it doesn’t depend on my credit numbers. When someone stole my credit card number & I had to change information it caused an issue with my account I was able to contact Klover talk to a real Person in the US & they were able to fix everything for me right away. Even called me back a few days later to make sure everything was still ok & ask if I received good service. Every person that worked with me was awesome & made me feel like I mattered as a customer/client. I like the fact that they keep adding new features to better the app. I always recommend to my clients, co-workers & family & will continue to. Thank Klover you the best.

ACH feature does not work. I did not opt for instant payment but instead the standard delivery to have the funds in my account within 3 business days. This is the 6th business day and still no funds have been sent. You can only email customer service, which is a joke because they legit say they won’t get back with you for 2-3 business days. Wholly unacceptable, especially in a world as technologically advanced as today’s. I did not want to have to pay a $10 fee on a $75 loan by doing the instant route…so what? I’m penalized by not getting my money at all? And they are still showing me a repayment date expected within less than a week when I have received nothing and have not heard back ANYTHING by email though they claim to run their support 24/7 5 days a week. With the weekend fast approaching, I am worried they’ve truly just screwed me over. If they take a dime from me on repayment day when I’ve received nothing, I am reporting them to the CFPB and seeing if I can sue for FRAUD. Try me.

Actually works! Funds given same day!. I was skeptical, downloading this app, because they never seem to work for me. But signing up was very easy, and I was approved for my first advanced within four hours. I like that there are ways to increase your approved amount by taking surveys or signing up for partner offers. I highly recommend Klover to anyone who has tried other apps, and been turned down or was given extremely high interest rates. This app allows you to choose a tip if you want you don’t have to and it takes the money out when you get your direct deposit sign up was simple and easy to understand. So far so good.

Okay but. This app seems good in concept but others are doing better right now. The idea of short term loans between paydays, small fee, and restricted so a person does not end up paying their whole pay day back seems very profitable during inflation times. And there are apps doing it pretty well. The problem with this app is that it connects a person’s loan amount to points earned through third-party challenges and apps. So you end up undoubtedly getting tons of spam ware on your apps, taking surveys, watching adds just to end up paying back the loan, plus the fee, plus any “tip” they requested while they derive add and regeneration revenue from their users. So either eliminate the fee or make it less burdensome to obtain the points necessary to get extra grocery money. Just seems cruel and not very humane to the working people who use your app.

Life Saving App. Klover shocked the heck out of me. Usually these types of apps promise “quick and easy” cash with no credit check, etc., they either ask for wayyyy too much info (why do you need my grandmas name, seriously) or require some outrageous minimum balance first. Um, if I had a decent amount in my bank account I wouldn’t be asking to borrow $40! Klover doesn’t do any of that nonsense. Within 5 minutes of downloading the app I was offered up to $50 and it was put into my account instantly for a very small fee ($1.50 I believe). I went on with my life and then that night I entered one of their daily raffle things to win $20 and guess what… I won! I’ve actually one it twice now after having the app for about 3 months. I’m very impressed with Klover and can’t thank them enough! ❤️

“Never run short on cash” yeah right. Downloaded the app when I needed some extra money, hoping this would be one that actually worked out. Nope. Just like all the others. I linked my bank account, I have recurring direct deposits weekly from work, but the only way I would qualify for anything is to scan my receipts and then refer a friend. Why would I refer a friend in need when they wouldn’t be able to get any help either? Then I get a text one morning saying “good news, we have qualified you for a boost up to $100” So I open my clover app and literally no change in my account, still need to scan receipts and refer a friend if I want a “boost”. Not sure why they decided to text that, probably to get me to open their app again. I don’t use receipts I have a record of all my purchases right there in my banking app. Use Dave, they will actually help you if you need it. They sent me 75 bucks and I have used them a few times. Klover has not helped me one bit.

Too good to be true. I recently started using this app. I’ve received two boosts, two separate pay periods. I received a notification that i qualified for a third boost during the next pay period. I didn’t need it at the moment but a few days later i ended up needing it so when i went into the app to request one it said i was put on a waiting list and couldn’t get one? Like what? How can i be put on a wait list for a service ive already qualified for and have been using AND received a notification just days prior stating i could get a boost? I had a feeling this app was too easy. I was hoping it would be as reliable and consistent as the Earning app but i guess not. Also, the amount of fees they charge for the boosts are insane. People who need to use this app are not people who can afford to pay all of these fees. It seems like they are taking advantage. People who use these apps need reliability not a “maybe you can use us, maybe not.”

Horrible App!. Do Not Download! This app is completely horrible!! First off the amounts you can borrow make no sense because one moment it shows you a high amount and then when you go to cash out it shows another. You have to get points to be even be able to cash out certain amounts. Claiming points when you scan receipts is stupid because sometimes you can scan a receipt for a certain transaction and it will still tell you it does not match! You can’t even input your paydates because the dumb system “supposedly” goes off your bank when you receive deposits and in my case it has Never matched up with my paydates not even since the first time I used it. You cant get their customer support to help with the issue because they tell you its a system thing and they cannot correct it. So unless you want your last but of money to be taken from your account when they cannot match to your paydate do not use this app!! Useless and Horrible!

Do NOT waste your time and PERSONAL info. I rarely leave reviews but when you play with people funds and time it MUST be addressed. I just want to pay y’all back your $16 and you all close my account. Oh yeah by the way you guys the advance payments are based upon how many points you earn in the app. I downloaded it out of pure desperation because I needed to feed my son but it’s not worth knowing too much of my personal information and I can’t even get back into my account to delete it. And I have reset my password more than once and the app would say my password is incorrect when I just changed it! 🫠 I just really want y’all to delete any additional subscription you signed my debit card up for because at this point I was going to pay the additional for the “Klover plus” but now I’m getting Red Flags that this is just a SCAM ! Oh and please get your $16 and close my account AND delete my Chime account information that you obtained through the third party Plaid, this app is a waste of time and personal data.

Great App. I was not expecting for this app to be legitimate due to the amount of apps that are just a waste of time, I promise this is not one of those apps. I earned $20 in an hr, literally 1 hr. Getting points is super easy, and I’ll never use another app for surveys, period. This app makes you feel like the time you spend on surveys is worth it. On top of that when I verified my card it said that it would probably take a few days… but it took minutes, got paid instantly with no issues. I see previous reviews about not getting instant pay, but with my experience I can attest that they have made substantial changes in the functionality of the app, and it’s clear that they care about their app and it’s users

Point system is aggravating. I did the Sirius XM offer to get 1000 points I did the task of streaming 7 times over a 7 day period and I kept track of my streaming and streamed more than that we’ll never received points and when contacting them they want an email confirming the task was complete I can’t provide something I never received so i never got my points. Secondly it’s crazy there is a point system to get an advance u have to do so much to really get points. Then when you do get an advance it never matches up with your pay day leaving the advance late to be paid and there is no way of extending. Most apps you pay a small fee and get your advance but Klover you have to earn points to advance. If Klover could just be simple and do the advances without using points would be a lot easier plus the fees to get an advance is a bit high.

Overall, a solid app that’s easy to use.. Always offering ways to earn more points to get higher boosts. Only 3 requirements that you have to meet, 3 deposits within the past 60 days, that’s easy and understandable. But these next 2 are what get me. The last 3 paychecks they check for have to be same amount no differences or you don’t qualify, and you have to be on a weekly or Bi-weekly pay schedule. I’m in sales, I get paid semi monthly, and one is commission other is a small check. I could NEVER qualify because my 15th and 30th check will never be the same, let alone that following 15th would have to be too! Like come on now, set a minimum deposit over last 3 months, and if someone who gets paid semi monthly and the last day of the month check is the smaller, don’t approve a boost until the 1st of the following month so you can guarantee your $$

My experience with Klover. Klover is an amazing application which can provide an advance in payment (with the use of points) for you in moments of need. It’s extremely easy to earn points towards an ad, along with multiple ways to do it. The options range from, completing surveys, scanning past receipts or even as simple as watching a 30 second video. The level of advancement you can receive varies by the amount of points you can rack up and once you hit your goal, you have the option of receiving money instantly or you can wait the time needed for it to transfer to your bank. I plan on using this app for a long time and I can see it helping people across the globe. Thank you Klover!

It started off great. I received an initial $100 advance & paid it back on time. I went to use it again, but only received a $20 advance this time & that was from watching many vids to earn points. What I don’t understand is why I’m receiving an advance that is $80 less than I started with after paying it back on time. Update: I did contact support. They told me that since I took the $20, they will not let me take the full amount until payoff of the $20. The full amount was not offered at the time I took the $20 or I would have taken the full amount. so now I watched all of those vids & got my amount up to over $100, but I have to wait to take it out. What is the point of that when I’m trying to borrow the higher amount now. It should have been there to begin with. Now I’m stuck with only $20 until I get paid again.

THANK YOU!!. For once one of these apps actually worked, I’m ALWAYS skeptical. But we needed dinner for the next two days till payday and with literally a few fast and simple things, I was able to build up enough points to gain access to the max amount. I only opted for the $25 this time but we definitely appreciate this app and the fees are VERY LITTLE. I can’t thank these guys enough as this really saved us this week and I’m sure we will be needing the help again. I also love how it shows our spending habits for the month, it’s really an eye opener on the amounts we spend and where and will definitely help to change those habits and save money in the future💚

My experience. My experience with this app has not been as easy as other apps such as Earning or Possible Finance, those are really great apps where you don’t have to jump through hoops to get less than $100 dollars. This app is based on a point system where you get points for answering questions, filling out surveys, watching videos, setting up your profile, etc. they initially offer you a $40 “payday boost” and you can add more to it with points up to $70 which is 900 points. So far the points add up quickly so I was able to cash out the $70. There is a monthly fee of 1.99 and there’s fees if you want to cash out your boost instantly versus no fee if you choose the 3-day bank deposit. So far I have not seen the $250 that they advertise but I will stick with this for a while to see if that changes and update this review as I go.

The app can’t make up its mind. I’ve had this app for quite some time been at the same job for 3 years get paid every 2 weeks on the same day was eligible for an advance recently so I did a whole bunch of extra things to get more points to be eligible for a higher advance to purchase food for my kids and once I reached that goal I went out the app for 1 second logged back in and was told I’m not eligible anymore all of a sudden. Contacted customer support and told me they can’t identify when my direct deposit comes to account when nothing changes. The people behind this app need to be a little more considerate and don’t switch up the eligibility status after people put in so much work to reach their point goals to be turned away all of a sudden.

Helpful but be careful. This app is very helpful in a pinch. However, watch out for repayments. Klover has my pay schedule yet they continuously set my repayment days for the day BEFORE I actually get paid. That makes no sense. But their app also says if they detect no funds, they won’t debit the advance as they do not want anyone to be overdrawn. HOWEVER, what they won’t tell you is that even if there is a little bit in there, they will take it. I had a pay advance for $100. On the day BEFORE, I got paid, I had $58, and they took $50. I needed money to get gas so my mom gave me $10. By the time I went to get gas, Klover came in and took $10 more. I asked her for another $10, same thing. Yes this app is helpful, but they don’t actually pay attention to when you get your paychecks, they debit when they want to. And they are deceitful when it comes to them getting their money back. Use app with caution.

I summited request about 30 minutes ago. I submitted a request for the loan about 30 minutes ago, haven’t received the funds yet. Not too concerned however they did say they could take up to an hour. Using the app was extremely easy. The one star that I have given your app right now, Is it only because I have yet to receive the funds. I got a text message 30 minutes after submitting my app to rate this. Once the funds are in my account I’ll be more than happy to get five stars. -suggestion to the developers, wait to send out a review until cash has hit the bank account and you have submitted the funds just a suggestion. Updated: 1 hour after downloading got funds. As promised 5 stars!

Don’t be fooled - they charge you DOUBLE EXPEDITE FEES on anything over a certain amount!. They short loan apps are all the same… charge u a monthly fee, an expedite fee so u can have the funds in your account within hours, but then there is this one, that tries to trick u into thinking u are earning ways to borrow more $$. When in fact, they are just tacking on an additional $5 to that “extra points $$ you added to tbe base amount u are borrowing. They treat tge 2 amounts separately and charge you TWO DIFFERENT EXPADITE FEES ON BOTH AMOUNTS! So if you are just borrowing $100 (say $75 and $30 in points) they charge $6.95 expadite fee on the $75 and $4.99 on the $30. Outrageous! And then they ask for a tip!?! Here’s a tip: if that’s how u choose to do business, drop your $3.99/a month fee required to even be on the app! These sites are all the same, though. Each one is worse than the one before it.

Good but needs changes. I have been using Klover for a while which really helped me out until recently. When using Klover I usually had good experiences. The only things I would really love to change are: 1. Add the ability to change or postpone repayment dates. A lot of competitors have already made that possible and it would be nice to have that ability here. Because of this, Klover is usually my last option 2. The surveys are terrible sometimes. After I will complete one for 10-15 minutes, I end up at a screen with just a twirling symbol. I’ve waited for a long time, and nothing happened. It’s like it just crashes. Then you aren’t even awarded your points AND they have no record of you completing it which is shady sometimes. Those are the two things I would suggest need changes. Other than that, klover has been pretty average.

The good, the bad, and the ugly. Klover is a very easy to use and fun app, nothing really much to it everything is instant so when they say u can earn points anytime u can u really can, the bad thing about this app is that they really should have a feature to where u can earn more points better and efficiently take a long time to even get 1000 points and thats only $10 , the ugly klover doesnt have a support center where u can directly contact employees of the company they give questions that are frequently asked and give u answers to them all though that is somewhat helpful i think talking with someone would make things much easier But i would recommend this app to everyone its not bad just need some changes and improvements