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Klover cash advance: what it really costs
Advances up to $750 (average about $170) with no interest or late fees. Standard transfers are free; express transfers cost extra. Klover earns partly from your data and ads: you can earn points by taking surveys and watching ads to unlock bigger advances.
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$100 today
$9.49
≈247% a year if repaid in 14 days
$100 by standard transfer
$0
≈0% a year if repaid in 14 days
| Operated by | Klover |
|---|---|
| Advance limits | up to $750 |
| Monthly membership | Klover+ $4.99 a month, optional (Klover's pricing page) |
| Instant transfer fee | Up to $3.99 for $25, up to $9.49 for $100, up to $37.49 for $750 (Klover's pricing page); can be paid with points. Different in Indiana and Wisconsin; no express option in Connecticut or Maryland. |
| Standard transfer | Free, usually a day or two |
| Tips | Klover says it doesn't charge tips |
| Repayment | Taken from your checking account around your next payday (secondary source) |
| If a repayment fails | Not stated on the pages we could read |
| Who qualifies | Based on your income and account activity |
| Banks that don't work | none stated |
| Credit check | None |
| Not offered in | no exclusions stated |
| How to cancel | Not stated on the pages we could read |
| App ratings | iPhone about 4.7 (about 340k ratings), from search listings |
What users complain about
- Needing points from ads and surveys before a useful advance
- Advance limits that shrink without warning
- Repayment taken early, causing overdrafts
- Support that is slow or only automated
The most common themes in about 500 low-star App Store reviews of Brigit, Klover and Grant that we read in September 2026. The themes were shared across the three apps, so they aren't specific to this one.
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