You can get up to $750 of your paycheck early with Klover. Most cash advances start smaller, usually between $25 and $750, with the average around $170. Your limit depends on your income and account activity.
Want to increase your advance?
Earn points by doing simple things like taking surveys, scanning receipts, or inviting friends. The more points you rack up, the higher your limit can go.
Standard transfers are free. Express transfers may have a small fee.
Klover+ is our optional monthly membership inside the Klover app.
You get all the cash advance features of Klover, plus extra tools like:
- Bill Manager to track expenses
- Smart Spending to monitor and compare your spending habits
- Credit Monitoring to view your daily score (via Experian)
Think of it as Klover… but with a little extra support to help you stay on top of your finances.
Getting an advance (access to money you’ve already earned) with Klover is straightforward and low-risk.
Here’s what you need to do:
1. Download the Klover app.
2. Connect your bank account, so we can verify your income and safely send money.
3. Request the amount you need.
4. Get paid.
Your advance will be sent straight to your account. And repayment happens automatically on your next payday, so you don’t have to worry about missing a due date.
To see if you’re eligible for an advance, we need just a few basics:
- A linked bank account
- Proof of income through direct deposits
- Recent, consistent pay activity, so we can see your payday
Just starting a new job? That’s OK. Once you’ve had three consistent direct deposits from your employer, you’ll qualify for an advance.
One more thing to know: We don’t have minimum credit score requirements, and we don’t run credit checks. So, your score won’t be affected.
Once you’re eligible, your advance can hit your account in a matter of minutes.
While standard transfers usually take a day or two, you can pay a small express fee to get it delivered to your account instantly.
Payment due dates are tied to your payday schedule, so we can’t change them.
But don’t worry — our system automatically detects pay dates and should update the repayment schedule within a few days.
If you need help with a pay date or repayment issue, our support team is happy to assist. You can contact us here: Klover Support.
Your repayment date is set automatically based on your pay schedule, but you can revoke your payment authorization anytime.. Klover's advances are non-recourse, so we won't send your account to a debt collector, report anything to a credit bureau, or take legal action if a balance goes unpaid, though an unpaid balance can pause your ability to request a new advance until it's resolved.
If your circumstances change, just reach out to Klover Support and we'll work with you to figure out next steps.
No need to worry! Our system updates automatically, and payments can take up to three business days to show as completed in the app.
If it’s still pending after that time, get in touch with our support team here: Klover Support.
Yes. We take your personal data very seriously and handle your personal data in accordance with our Privacy Policy, which explains what we collect, how it's used and shared, and your rights and choices
We share that data only with trusted partners using bank-grade encryption and secure servers.
You have the right to request access to, updates to, or deletion of your data at any time. And if you ever delete your Klover account, your data will be removed as well.
View our full Privacy Policy here.
We know what you’re thinking. No interest, no late fees, no credit checks — what’s the catch?
Klover earns revenue through express fees for expedited transfers and through Klover+ memberships. We may also work with partners in ways described in our Privacy Policy. The more you use Klover, the higher your advance limit can go, up to $750.
Our goal is to give you quick, safe early access to money you've already earned, so standard advances stay free.
Yes. We need you to link your bank account so we can:
- Send your cash advance quickly and securely.
- Review your cash flow to determine the amount you’re eligible for.
- Verify you’re not a robot.
Once your bank is linked, you’ll be set up to request your cash advance quickly and easily.
Absolutely. You can request the deletion of your data anytime here.
Once deleted, we’ll no longer have access to your account information, advances, or activity history. We take every request seriously and make sure your info is erased, securely and responsibly.
It happens! Our support team is happy to help, whether that’s with setting up your account, understanding advances, troubleshooting the app, or something else.
We’ll get back to you quickly, so you can be confident in using Klover to support your financial journey.
You can contact us here: Klover Support.
