Klover - Instant Cash Advance Reviews

by S0ull3ss

First of all, despite having fully repaid anything I ever borrowed from Klover 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 Klover 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.

by Meh 😒😒

First of all, it takes so long for them to even update my bank history. And before they blame my bank, I also use Dave and the updates are always quick. Dave also has a refresh option, so that’s something to consider, this app.

Secondly, I can understand not loaning the full $150 starting out, but $30 seems a bit pointless, especially if I had to pay in advance for a membership in addition to a $4 fee to get it instantly.

Lastly, the point system thing just DOESNT work. Im order for me to get the full $30, I have to earn AT LEAST 900 points, EVERY TIME? It seems pointless (pun intended). There are not a whole lot of opportunities to earn points. “Some” offers are listed at 500 points and up, but it’s not as if you can complete those offers many times over. And most of those require a purchase. So I’m requesting money? But I have to spend money first? That makes complete sense… so then you’re left with completing many tasks that don’t reward much, just to get a boost. I just feel like they should either up the earning potential, or do away with this thing all together.

by Mfmikef

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 Klover 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 this app, which I of course did before hand. Still 6 days later no email response. I actually sent a 3rd message out to this app 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.

by INKED SUPERSTAR

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.

by LilTapey

Klover does not deliver on advertised promises. Had Klover 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 Klover 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 Klover , 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 this app who is even moderately pleased. I have heard multiple stories that match my experience. All of them downloaded Klover on the misleading advertising that highlights advances that never materialized, even after months of maintaining standards and letting Klover constantly track your every move. I honestly doubt the veracity of any of the glowing reviews.

by PAndrews12

Klover 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 Klover 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.

by Designlife12

Klover 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

by Michipants

I really needed a loan yesterday to pick up medication. this app 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, Klover 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 this app 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

by Judbcnske

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.

by Apple.2012

Honestly, I gave it a good amount of time and was hoping for better. My primary issue, Klover 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 this app 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 Klover in the first place. This is just my experience.

by TheREALHeyMah

Klover is (or would be) mostly great! Getting a boost is always helpful, the only problem is the point system they use in order to get a boost. The different tasks you can complete to earn points don’t seem to ever work properly… Uploading receipts has never worked, even though I always use brand new receipts, it always says the receipt is a “duplicate” of one already uploaded and they don’t accept it. Taking surveys direct you to a survey platform off Klover and after I complete the survey and it says I earned points, when I get re-directed back to Klover an error message ALWAYS pops up and doesn’t add the points to my balance. I’ve completed offers from their partners, same thing. Once I’m re-directed back to Klover , an error message pops up and I don’t receive any points. I’ve contacted support about all these issues and unfortunately they aren’t able to add the points to my balance even though I have screen shots for proof. Half the time I didn’t receive a response to my emails. Before contacting support I’ve done all the usual tricks… restart my phone, delete Klover and re-download, delete things off my phone in case the memory is full… No changes, so I’m kind of giving up now :(

by Valentinaph

Klover 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 Klover 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 Klover 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 Klover 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…

by Jamesroyalapple

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.

by Jwubabydoll

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 Klover 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

by Holly Woulld

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 Klover. 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 Klover 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 Klover more tedious and useless. FYI, apps like Solo, Branch, MoneyLion, Brigit, and even FloatMe have actual “Instant” perks which cost half are literally instant.

by SteviJames74

I have used Klover 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 Klover , 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 this app, Klarna, etc ♥️

by Misterryan1

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 this app . Klover 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 this app 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 this app offers and I couldn’t find one . I’d recommend Klover for anyone in need of some quick cash and anyone who wants to organize all of their expenses the easiest way !

by EmberTomaras

Klover 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!

by Old Martt

I was browsing Facebook, like any other day, and suddenly I saw that a friend shared an App called this app, so I decided to take a look at it. Then I discovered the marabout of Klover 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 this app and if in 2 minutes I already had the money in my bank, the fantastic thing about this app is that I never They will ask you for as much information they believe in their users as we users believe in this app, and the best of the best there is no interest but if there is a fee that is worthy for the this app loans, it solves my problems. The most elegant thing about this app 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.

by Boringschoo

I have been using Klover 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 Klover was having issues for a while but I should receive all the points that I missing. Besides the points issue, Klover has been a lifesaver at a time in need.

by AngKMoody

I was referred to Klover. I filled out everything, linked my bank account, etc. It said I had to select my paycheck. It wasn’t showing it. I contacted them through Klover . They replied back saying direct deposits had to be over $251, at least 3 consecutive direct deposits & that the company name has to match the direct deposits. When I entered my company name it pulled it up & I selected it apparently because my direct deposits have “Inc.” on the end it wasn’t registering. So I went in & changed it. I replied back to the only message explaining all of this & even showing a screen shot of my 3 most recent consecutive direct deposits. I haven’t heard a word since from anyone via on Klover or by email.

by Janfreem

Per the FAQs on Klover it says they only require 1000 dollar pay checks to qualify. But now on my app in the area where you request the advance it tells me I need to make 1300 on my check to qualify. It completely contradicts what the FAQs state and I have tried to reach out twice to figure out why I have to make more than the standard user. Both times have received no answer. It is beyond rude and kind of feels like i am being targeted! Do not bother using Klover at all. You are better off using Earnin or Dave. Both have better customer service too.

by Kathsepsa

Klover didn’t work for me. It linked my account and all my transactions and kept saying it couldn’t find payroll. It took 3 days to get a response to an email sent.

What is more than worrisome to me is that Klover doesn’t give an option to delete your account or even unlink you personal banking access. Seems shady to me that they won’t give you that option. I was told my account had been “deleted and purged” and it’s still active and accessing my banking account. I’m currently looking into the regulations for this business and why they want to hold you personal information without giving the option to leave.

by Becca Slate

Klover has a great concept, but TERRIBLE customer service. The final step was for me to link my debit card, and have it run a small deposit and withdraw it right away. I have done this step at least 5 times. I can see the small deposits and withdrawals in my bank immediately. However, it won’t link my debit card. I messaged customer service 3 days in a row before finally receiving a response that says my bank is the problem. I don’t see how my bank could possibly be the problem, as I can see the transactions are working and the bank feed in Klover is up to date. So when I tried to explain that I was completely dismissed and told to try back later. It’s still showing that last step incomplete and it’s been a week.

by Tyff Dev

This company does not do what it advertises. My husband and I bring in around 14 grand a month and yes, at times running an company can be expensive and you need a little help for a few days. Applied for this with proof of deposits every few days to a week on schedule payments, no overdrafts, and have had bank accounts for over 5 years, business owned for 8 years with proof. This company not only denied us, but stated we didn’t meet their cash deposits minimum....if 14 grand deposited a month doesn’t meet your minimum, the what does? I have been excepted by other apps, apps that does exactly what they say they will do and then some! I suggest everyone STAY AWAY from this fake company, go elsewhere to another company that’s actually legit. I can suggest at least 4 others that are better then this company with no hassle and I 100% back them and recommend them. If interested leave an reply and I will get back to you. Just mark my word, STAY AWAY FROM this app!!!

by ProundMomtoBKAMJ

Klover is great in concept but I cannot use this because it requires users to have a $1,300 deposit minimum per paycheck. Other similar apps don’t require that high of an amount. Please lower the amount to 1,100 or 1,200 so many will be able to use your app. This is disappointing since I went through two weeks to get Klover set up and working and connected to my bank only to find out I can’t use Klover because my paycheck deposits aren’t at least $1,300 for each deposit. Please lower the required amount to make your app and service accessible to more people. Thank you!

by Jamesmania

Really doesn’t show you all the information so you don’t know if you are selecting the correct account so for people with multiple accounts it’s hard to setup and doesn’t actually help when you get an error message will not let me go back or even log out to change accounts. No actual love support and emailed the support team but no answer yet would really help if they could fix this issue.

by I Find Scams

I put a five star review couse I know it will b seen on the top but Klover is a scam u have to put ur bank log in info before u make a user account for app I like a lot of not dumb plp use a prepaid bank lol so no money was taking but this is what happened u put ur bank info user name and pass word while u wait 1,2,3 hrs for it to supposedly check ur information thay will b taking all money couse u allowed that by giving them ur info so u been warned

by AWizzzzzz

I requested d a boost Over the weekend and it didn’t come in until late on Monday. I talked to customer service and got a response right away. They offered a refund for the expedite fee and I still got the money. I then used a boost next few weeks and it was deposited within 10 minutes of request. Clerrly a company that cares about people and keeps trying to make it work better

by Bradluk

Klover had serious issues from the beginning. But in the last two months they fixed all those issues and it is now in the same league as other similar apps like branch, earnin etc the only thing they now need to improve on is letting you get an advance for more than $100 during a payday cycle keep up the good work

by David Stecker

Doing this as a five star app so I can hopefully fly under the radar. While this might be a legitimate program and company I’m a bit worried by what I’ve seen. Look at all the other positive reviews. Now I’m not sure about what y’all see for my name so I will note at the bottom of the review if it’s consistent with these findings, but all the obviously fake reviews have a similar tone consistent with the study google did on fake reviews and they all have names done the exact same way. Capital letter first name, capital middle initial, and capital letter last shown like this. JohnJJohnsen. It is irrelevant if Klover works or is a scam or anything other then the fact that these are either paid reviews from a review farm, or the devs are seeding these themselves. As another thing of note here. The people leaving these reviews are very articulate and have proper grammatical structure and punctuation. Now I’m no Stephen King, but I smell a review farm here and I’m going to record and contact Apple about this. Since this involves your bank account I would do as I did and change your password if you have added any information to Klover as far as personal or login. Also request a new card.

by Buddy4516

I was skeptical about Klover but after getting help from customer service and following the simple steps, I have to say... this is by far the best app I’ve ever download it. Cash is fast and instantly, no credit check which is a huge plus, and the simplicity to navigate options menus is a plus, not confusing or stressful , basic !!!!! Thanks !!!

by Williamt252

I downloaded Klover when I was in a crunch for the holidays. at first it wasn’t recognizing my paycheck and then I reached out to their customer service and they helped me get everything worked out over the weekend. I appreciate the customer service and was able to use the service

by Ericabilups

My car broke down and i was in the repair shop looking for a quick way to cover my repair. I came across this app in Klover store and was able to download and prove my paychecks on the spot money was deposited into my account right away. I think Klover serves its purpose for me. It gave me relief when i needed it

by Ihar288

I used this app in a pinch on 1.6.20 and the sign-up was quick and efficient. Most of the complaints I saw about the requirement checklist are clearly explained at the onset. I’m satisfied so far and happy I had this as an option. I had my funds within 2 hours.