Klover review: is the Klover cash advance app legit?
Klover is a legitimate cash advance app, and Klover Holdings, Inc. is the company behind it.
- Biggest advance
- $750
- Fee per month
- $4.99
- Fast transfer cost
- $9.49 on $100
- Complaints to the CFPB
- 49
Klover on file
- Owner
- Klover Holdings, Inc. (Chicago, IL)
- Product
- Klover offers Balance Advances up to $750 tied to expected income, partly paid for through a points-for-data rewards model, with a Klover+ budgeting subscription you can add if you want.
- Subscription
- $4.99 a month, optional
- Fee for a fast transfer
- You can use points to lower the fee, which scales by amount to up to $3.99 for $25 or up to $37.49 for $750.
- Time without a fee
- Free, and it takes two to five working days.
- Credit checks
- They do not check your credit.
- Time to get the money
- Standard ACH costs nothing and takes two to five working days; express moves faster, usually within a few hours, for a fee.
Taken from what Klover publishes, CFPB complaint counts and public enforcement files. All sources are listed at the foot of the page
Klover fees and costs
Convert Klover's fees to a yearly rate using the calculator on our cash advance apps page.
Good to know about Klover
- Klover's advance cap is $750, and Klover says getting one does not require a subscription, points, or a fee.
- As the advance grows, so do express fees, which go up to $9.49 for $100 and up to $37.49 for $750, making this the steepest scale in the group.
- Express fees can be offset by points (500 points = $1.00) that users earn from surveys and ads.
- The standard free option is slow: two to five working days.
- In 2026, a federal judge let a private class claim under the Truth in Lending Act and Military Lending Act against Klover proceed.
States where Klover works
The Klover pages we read give no list of states. Ask which license covers your state and check it on NMLS Consumer Access before you share bank details.
Klover complaints and lawsuits
The CFPB database lists 49 complaints naming Klover Holdings, Inc. Most common issues: you cannot stop withdrawals from your bank account.; your bank account had money taken on the wrong day or in the wrong amount.; your account did not get credit for the loan payment.. Check the CFPB count
Our search of CFPB, FTC and state enforcement records turned up nothing against Klover.
Short on cash before payday?
Talk to a specialist about lower-cost ways to cover the gap in your state. Talk to someone about cheaper options: 855.947.5189
This line reaches a debt and loan options specialist. We are not Klover and cannot reach your Klover account.
Klover alternatives: apps like Klover
| App | Fee a month | Biggest advance | Fast transfer on $100 | CFPB complaints |
|---|---|---|---|---|
| Klover (this record) | $4.99 | $750 | $9.49 | 49 |
 Chime SpotMe | None | $750 | $3 | 29,493 |
 Dave | $5 | $500 | $1.50 | 829 |
 Brigit | $8.99 | $500 | – | 384 |
 EarnIn | None | $1,000 | $5.99 | 290 |
– means the company does not publish it. Complaint counts are totals, not rates: a bigger company draws more. Open any name for its full record.
Questions about Klover
Is Klover legit?
A real cash advance app called Klover is run by Klover Holdings, Inc., advancing up to $750 and charging $4.99 a month for some plans. Under Klover Holdings, Inc., the CFPB complaint database holds 49 complaints.
Who owns Klover?
Klover Holdings, Inc. (Chicago, IL).
Does Klover check your credit?
Klover states that no credit check is done.
How fast does Klover send the money?
Klover says an express transfer costs a fee and usually arrives within a few hours. Free standard ACH takes two to five working days.
Has Klover been sued or fined?
Our search of official sites turned up no enforcement action by the CFPB, FTC, or any state against Klover.
Where the Klover facts come from
- Your agreement is with Klover Holdings, Inc.; This is Klover's legal address.; An advance does not require a subscription or an express feejoinklover.com
- Highest Balance Advance allowed; Monthly cost for Klover+; Fee for express transfer on a $100 advancejoinklover.com
- They do not check your creditklover.app
- Total complaints in the CFPB database under the company name for this brandconsumerfinance.gov
- A private TILA/MLA class claim survived after Klover's motion to dismiss was denied by a federal court on March 5, 2026.law.justia.com