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Updated July 2026 · real, multi-region App Store reviews
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Better options than

Klover alternatives

Klover users often seek alternatives due to issues with customer service, difficulty linking bank accounts, and problems with their points system. Many look for apps that offer more reliable cash advances and clearer repayment terms.

Why users look for alternatives to Klover

The alternatives

Dave
4.8★ · 856,416 ratings · Free

Dave provides cash advances and is often described as reliable and easy to use, with fast deposits and low fees R55R61. Users appreciate its dependability when they are short on money R52R55.

Better for: Dave is better for users who need a reliable app with quick access to funds and straightforward repayment, especially if they are comfortable with a monthly fee R55R61. However, users should be aware that repayment dates are fixed and funds may be debited at 12:01 AM on payday, potentially causing overdrafts if the paycheck hasn't cleared R54R59R60.

Head-to-head: Klover vs Dave
Brigit
4.8★ · 517,340 ratings · Free

Brigit offers cash advances that users find fast, easy, and convenient, often describing it as a 'life-saving' app R66R68R72. It aims to be honest and simple to use R66.

Better for: Brigit suits users looking for quick and reliable cash advances with easy terms R66R68. However, some users have reported unexpected charges for memberships or difficulty cancelling services R67. Users should also note that advance amounts can be low for some, with one user only being offered $50 compared to $300 from a competitor .

Head-to-head: Klover vs Brigit
Tilt
4.8★ · 447,291 ratings · Free

Tilt is praised for providing money quickly when needed, with low fees and fast transactions R80R82. Users find it easy to use and appreciate its reliability in a pinch .

Better for: Tilt is a good option for users who need immediate access to cash advances and appreciate fast transactions R82. However, some users have reported issues with repayment processing taking days, which can lead to bank account negatives R81. There are also reports of being charged for subscriptions even after cancellation R79.

Head-to-head: Klover vs Tilt
EarnIn
4.8★ · 436,185 ratings · Free

EarnIn allows users to access their earned wages before payday, described as a 'credit card but an app' that helps when needed R97. Users appreciate its transparency regarding fees and its ability to provide money in real-time .

Better for: EarnIn is suitable for those who want to access their paychecks early and appreciate clear, minimal fees . However, some users report issues with unexpected deductions, difficulty contacting customer service, and unreliability in funds availability, especially for long-term customers R93. It may not be ideal if you need to transfer money when your account is already negative .

Head-to-head: Klover vs EarnIn
Cleo AI
4.7★ · 242,492 ratings · Free

Cleo AI is an app that helps with budgeting and expenses, offering a candid approach to managing finances R110. It also provides cash advances with low interest, with funds becoming available in minutes .

Better for: Cleo AI is better for users who want a budgeting tool that also offers quick cash advances with low interest R110. However, many users report significant issues with the signup process, specifically with the Plaid banking connection screen not loading, making it impossible to create an account R109R111. Some users also report their advance amounts being cut without explanation after repayment .

Head-to-head: Klover vs Cleo AI
Stick with Klover if

You should stick with Klover if you find its instant advances helpful despite the fees, and if you have not experienced the common issues with bank linking or customer service that many other users report .

Evidence note: No alternative had too-thin evidence.

Frequently asked

Why do Klover users look for other apps?
Klover users often seek alternatives due to persistent issues with customer service, difficulty linking bank accounts, problems with their points system, and a lack of flexibility with repayment dates R4R6R11R14.
Are there apps that offer more flexible repayment options than Klover?
While Klover users desire more flexibility with repayment dates, noting that they cannot change them once set R10R24, reviews for alternatives like Dave indicate that it also has fixed repayment dates which can cause issues if paychecks don't clear by 12:01 AM on the due date R54R59R60. EarnIn, however, has been noted to change due dates to accommodate paychecks R95.
Which Klover alternatives are known for fast cash advances?
Dave, Brigit, Tilt, EarnIn, and Cleo AI are all mentioned by users as providing fast or instant cash advances R55R61R66R72.
Do Klover alternatives have better customer service?
While Klover users frequently complain about poor and unresponsive customer service R4R6R14R47, reviews for alternatives are mixed; Dave users report difficulties contacting support , EarnIn users mention issues with customer service , and Cleo AI users state there is 'no support' R107.
Are there any Klover alternatives that are completely free?
While Klover requires watching ads or playing games for points to cash out R3 and charges fees for instant advances R38, alternatives like Dave have a cheap monthly fee R60R61, Brigit users report unexpected membership charges R67, and Tilt charges low fees R80. EarnIn mentions minimal upfront fees and Cleo AI offers low interest on loans , but none are explicitly stated as completely free based on the provided reviews.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R4] Klover 1/5 · US Worst Customer Service: Paid my advance via invoice on 7/1. Was told my app will be updated to reflect that. It has been 8 days and have had minimal help from support. Very disappointed, use to enjoy the app a lot. Some of the worst customer service I have ever experienced.
  2. [R6] Klover 3/5 · US Issue with Points: While it CAN be helpful, it’s not all that fair with points. I have played games to earn points, but a lot of times I’ve been cheated out of those points. Customer support was no help when I tried to reach out about the points issue, even with proof of completing levels and challenges. Not sure if I want to keep using this app due to these issues.
  3. [R14] Klover 5/5 · US Avoid unless frustration is your thing: Had this downloaded for over 3 months, dealing with the same issue of connecting my bankcard & unable to access my account. Reached out to customer svc several times which takes over a week for each response. They said they’d delete my account so I could create a new account. Same thing still happened with cc not linking & not being able to get beyond the cc
  4. [R47] Klover 1/5 · US Poor customer support: I have had problems with Klover making me continuously have to relink my account. It can take days to reach someone and even then they don’t try to solve the issue. I would not recommend using this service. I am going to have to close my anoint due to the lack of customer support or answers to my questions on why this is happening.
  5. [R11] Klover 1/5 · US Scam: Offer deals for point and don’t pay out. When you do finally get enough points for an advance your debt card coincidentally needs to be linked to your account which take days. Don’t waste your time or money
  6. [R17] Klover 1/5 · US Doesn’t work: I’ve tried to make an account for the last month and the app doesn’t work. Every time I log on it’s asking me to input my debit card information for verification purposes I’ve done this like 100 times and every time it says it’s going to make two deposits to verify and NEVER does. I log out and log back in it the same thing. I’ve contacted several times to figure out what the issue i
  7. [R21] Klover 1/5 · US Useless: How many times does someone have to connect their debit card? Every single time I try to log in it prompts me to add my card…again. Never connects to a legit account, basically starts over every single time you log on. Useless!
  8. [R3] Klover 3/5 · US App is actually firme: App lwk is a rare W , yea you might needa watch ads to rack up points , or play games for the points to cash out on but it’s definitely worth it no cap cuh
  9. [R13] Klover 2/5 · US Points based on usage: Your ad make it seem like you can get a healthy advance how ever it’s a point based app . Meaning the more you use that app and services the more points you get but the advance amount via point based is absolutely unrealistic
  10. [R9] Klover 1/5 · US Not happy: Literally stole 15 dollars from me
  11. [R23] Klover 1/5 · US steal your money: They stole money from me and their customer service sucks I would give them zero stars if I could
  12. [R33] Klover 1/5 · US Terrible and hidden fees: They my advance payment back a day early, then after getting the advance back they too $80 of that back a few hours later. I would not use any of these apps any more
  13. [R41] Klover 1/5 · US Not good but not bad: I got money paid it back and it lowered my pay took 80 bucks from me and now only giving me 35 robbery
  14. [R10] Klover 5/5 · US Love it: Klover has been helpful when I need a quick advance, and the app is easy to use. My only issue is that you can’t change the repayment date once it’s set. If they added the ability to adjust the payback date, it would make the app much more flexible and even better to use.
  15. [R24] Klover 5/5 · US Repayment dates: Repayment dates should have more flexibility
  16. [R40] Klover 5/5 · US Awesome: Love it! Just wish we can get a extra day so my bank has time to deposit check on payday
  17. [R52] Dave 5/5 · US Dave: Love using Dave whenever I’m tight on money and can always pay it back early
  18. [R53] Dave 3/5 · US Problem with app: There is some kind of problem with this app. Every time I use it it locks me out for days and it hasn’t just happened once it’s happened every single time I’ve used the app I get locked out for a couple of days.
  19. [R54] Dave 1/5 · US Please use any other Cash Advance app: Who is being paid to rate this app over 1-2 stars? This has to be the worst cash advance app ever. You can’t change your repayment date. I get paid on Thursday afternoons, I didn’t want to app to recognize I got paid on Thursdays and try to take the repayment at 12:01AM. AI bot says “Dave automatically attempts to take a smaller partial amount if the full amo
  20. [R55] Dave 5/5 · US Reliable: Very easy to use, very easy to pay back. Very reliable and trustworthy service. Always saving my behind when I need it. Thankful for their help.
  21. [R65] Brigit 1/5 · US Stay away: This is called modern day slavery. This is just a debt trap. Stay away.
  22. [R66] Brigit 5/5 · US Wonderful: So fast, easy, and convenient. Feels very honest and simple to use.
  23. [R67] Brigit 1/5 · US Hidden charges: I thought this was a great app until I was randomly charged $39 for a Bright Membership. It doesn’t show any information on where the charge is from or what it’s for. They don’t have any real people to get in contact with immediately. Use at your own risk. I believe it’s false advertising and doesn’t fully support when you have an issue. I don’t like having money taken for no reaso
  24. [R68] Brigit 5/5 · US Really great option: Super easy to use and great terms. I totally recommend this for all your advance needs!
  25. [R79] Tilt 1/5 · US (: I tried tilt and did a 14 day trial but I couldn’t get a cash advance, so I canceled literally 10 minutes later. Then 2 days later I got charged the $8 for the subscription, I talked to support and just got an email saying “your subscription has been cancelled thank you”, ok? Where’s my $8?
  26. [R80] Tilt 5/5 · US Great App: Money when you need it for a very low fee
  27. [R81] Tilt 1/5 · US Not a very good app.: When you go to pay back it takes days. They can give you the money instantly. And take up to three days for it to clear when you go to pay it back. Left my bank account in the negatives twice now. Not happy at all with this app
  28. [R82] Tilt 5/5 · US Happy customer: When I need quick cash I know Tilt will come through!
  29. [R93] EarnIn 1/5 · US Stolen: They have taken over 700$ in pay back before time it was 499$ and now and extra 300 was taken out of my account and no you can not contact customer service or support to fix this issue so im out an extra 300$ out of my paycheck never again it is being deleted after tears with them
  30. [R94] EarnIn 5/5 · US Very good: Very good app always get my money
  31. [R95] EarnIn 3/5 · US Exceptional app: So far, so excellent! They changed my due date to accommodate my paycheck, this app is exceptionally aware!
  32. [R97] EarnIn 5/5 · US Great: It’s like a credit card but an app to help u when u need it. Gotta love it.
  33. [R107] Cleo AI 1/5 · US No support: No support
  34. [R109] Cleo AI 1/5 · US Pure trash: Couldn’t finishing signing up. Plaid screen wouldn’t pop up to let me connect my bank account. I got stuck on the connect your bank screen, which is frozen. App is useless I see why this app has a 4.7 rating. It’s trash
  35. [R110] Cleo AI 5/5 · US Professional, Friendly, & REAL: I appreciate the candid approach to assist the budgeting & expenses in my life! It is displayed so clearly- it’s the BEST plan I’ve ever subscribed to for planning my life and finances! - Thanks Cleo❣️
  36. [R111] Cleo AI 1/5 · US Useless: The Plaid window at signup never opens, so there’s no way for me to link my bank or finish signing up. What makes it even more frustrating is that a couple of hours later I received an email reminding me to finish linking my bank and complete my signup, as if the app actually works, lol. This app sucks. Save yourself the trouble!
  37. [R59] Dave 3/5 · US It’s ok but..: Just beware whether you have money in your account or not they will not wait for your check at the bank. They usually take it out at 12:01 AM on the day your check is supposed to be in the bank, my account is now in the negative until my check goes in..
  38. [R61] Dave 5/5 · US The best friend you need !: I love this app!! No bombarding me with notifications. Money is fast! Very cheap fees. Always dependable.
  39. [R72] Brigit 5/5 · US Cash advance: This app is life saving !
  40. [R38] Klover 4/5 · US ACTUALLY the best: This is the third cash advance/ payback app that I have used. First being Dave, then Brigit, now Klover. LET ME TELL YOU.. KLOVER IS HANDS DOWN THE BEST. (Not sponsored 🤪🤣) with the other apps the payback processing time was horrendous, Klover lets me pay back and borrow instantly. There is a catch for instant advances tho! My instant advance costs me a $20 fee. 😵‍💫 that’s the o
  41. [R60] Dave 2/5 · US Recommend, slightly: The app is easy to use, fast deposits, and has a cheap monthly fee. However, whats frustrating me at the moment is I can’t update my pay schedule because you all use software that “detect” pay cycles. I get my paycheck deposited at 9pm PST Thursdays so the app has my settlement date set to Thursday. This causes an issue because it will debit whatever money I have in my account

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store