Last updated February 17, 2026
Klover+ Monthly Subscription Fee:
$7.99
Balance Advance Maximum Limit:
If you are an eligible user, you may request to receive a Balance Advance of up to $750 in your Bank Account at any time by logging into your Klover Account.
Expedited Balance Advance Fees:
The Balance Advance Amounts that are available above depend on eligibility. Please note that the fees can be offset through use of points in your Klover+ account if you choose to apply those points to an expedited Balance Advance. Please see our Points Program Page for more information about how points can be converted into Balance Advance credits. These expedited fees are collected at the time of repayment of the advance.
Current Point to Advance Fee Conversion Rate:
500 points is equivalent to $1.00.
Balance Advance Payment Terms:
Balance Advance Charges: We reserve the right to charge your Bank Account or debit card for the amount of a Balance Advance, including fees, any time after the later of: (1) a date on which we see evidence of income (such as a paycheck) deposited into your Bank Account or (2) the date selected by you through the Services. However, Klover warrants that it has no legal or contractual claim against you based on our inability to charge you or repay Balance Advance funds, but Klover may suspend your access to the Services until we are able to charge your Bank Account or debit card for a Balance Advance in full. If we are unable to recover the full amount of a Balance Advance, Klover warrants that it will not engage in any debt collection activities, will not sell the unpaid amount to a third party, and will not report you to a consumer reporting agency. Klover does not waive any rights regarding fraudulent activity and will pursue instances of fraud. Klover is a non-recourse product and Klover users have no obligation to repay their Balance Advances. However, in the event that you do not repay your Balance Advance, Klover may limit the Services it provides you.
Overdrafts and Other Fees: Klover is not responsible for any overdraft fees, over-the-limit fees, insufficient fund charges, or any other bank fees you are charged because you fail to maintain a sufficient balance in your Bank Account, including any overdraft resulting from a debit initiated by Klover.
