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Updated July 2026 · real, multi-region App Store reviews
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The verdict on

Klover

45
User verdict / 100 High confidence Divided

Klover can be a helpful app for quick cash advances, but recent user experiences highlight significant issues with inconsistent advance amounts, a frustrating points-based system, frequent technical glitches, and unresponsive customer support, making it unreliable for many.

4.8★ lifetime (356,467) Free to download since 2019 by Klover Holdings, Inc. updated 0.4 mo ago recent negative 58% 120 reviews across 1 regions
Cash Advance Reliability Points System Technical Issues Customer Support Misleading Advertising/Fees
5★62
4★4
3★6
2★19
1★81
recent reviews across 1 regions, vs the 4.8★ lifetime average

Klover is a finance app offering cash advances, with many users appreciating its ability to provide quick funds when needed R1R17R24. However, a significant portion of recent reviews report issues such as inconsistent advance amounts, a cumbersome points system required for higher advances, and persistent technical problems like bank disconnections and login failures R3R5R6R7. Customer support is frequently criticized for being unhelpful and automated, leaving users without resolutions R4R35.

What users like

  • Provides quick and easy cash advances for immediate needsR1R17R24R30
  • Offers a free advance option, though it may take longer to receiveR55
  • Playing games and watching ads can earn points for higher advance amountsR19R56R62R99

What users complain about

  • Advance amounts are inconsistent and can drop without explanation, despite good repayment historyR3R83
  • Requires users to earn points through ads, games, or surveys to qualify for cash advances, which can be time-consuming and often yields small amounts like $5 or $10 for many pointsR5R11R13R14
  • Frequent technical glitches, such as banks or debit cards unlinking, login issues, and inability to reset passwords, prevent users from accessing servicesR6R7R15R21
  • Customer support is largely automated, unresponsive, and unhelpful, often closing tickets without resolution or taking a week or more to respondR4R6R10R22
  • Advertised advance amounts (e.g., up to $750) are often misleading, with many users only being offered much smaller amounts like $10 or $250R10R16R31R54
  • Delays in receiving advances, with some users waiting over a week for funds that were promised in 1-3 days, making the service unhelpful for emergenciesR12R36R39R53
  • Issues with points not being credited after completing offers or games, leading to frustration and wasted effortR35R44R90
  • Concerns about high instant transfer fees and potential for being charged for services not received or double chargesR8R27R29R67

Latest update · v2026.6.29

What the developer says changed (the verdict above weighs this against what reviewers report):

Bug fixes and improvements

Recurring themes

Cash Advance Reliability mixed
Many users praise Klover for providing quick and easy cash advances that act as a lifesaver. However, a significant number report inconsistent advance amounts, with offers dropping without explanation. Some also experience long delays in receiving funds, making the 'advance' useless.R1R3R12R17
Points System negative
Many users are frustrated by the mandatory points system, which requires them to watch ads, play games, or take surveys to earn points for cash advances. Reviewers often feel it's a 'gimmick' or 'scam' because the points yield very small advance amounts (e.g., 1400 points for $5) and are often not credited after completing tasks.R5R11R13R14
Technical Issues negative
A significant number of users report persistent technical problems, including banks and debit cards constantly unlinking, login failures, inability to reset passwords, and general app glitches. These issues prevent users from accessing their advances or managing their accounts, directly contradicting the developer's recent 'bug fixes and improvements' claim.R6R7R15R21
Customer Support negative
Customer support is a major pain point, with many users describing it as automated, unresponsive, and unhelpful. Users report long wait times (up to a week or more), tickets being closed without resolution, and interactions with 'bots' rather than real agents, making it impossible to resolve critical issues like uncredited points or payment problems.R4R6R10R22
Misleading Advertising/Fees negative
Users frequently feel misled by advertisements promising high advance amounts (e.g., up to $750) only to be offered much smaller sums. There are also complaints about high instant transfer fees, unexpected subscription charges, and difficulties canceling subscriptions.R8R10R16R27

Who it's for

Klover is for individuals who need small, quick cash advances and are willing to engage with the app's points system (watching ads, playing games) to potentially increase their advance limits R19R62R99. It might suit those who are not in an urgent financial bind, as delays in receiving funds are common R39R53.

Evidence note: The recent reviews skew heavily negative (58.1%), which contrasts sharply with the lifetime rating of 4.75. This indicates a significant downward trajectory in user satisfaction. While some positive reviews exist, the volume and specificity of negative feedback regarding core functionality (advances, points, support, tech issues) suggest these are widespread and current problems, despite the developer's vague 'bug fixes and improvements' notes.

Frequently asked

How much can I borrow from Klover?
While Klover advertises advances up to $750, many users report only being offered much smaller amounts, such as $10, $25, $150, or $250, especially initially R10R16R54R63.
Do I need points to get a cash advance?
Yes, Klover requires users to earn points through activities like watching ads, playing games, or taking surveys to qualify for and increase their cash advance amounts R5R11R13R14.
How long does it take to receive a Klover advance?
While Klover offers an instant transfer option with a fee, the free option is advertised to take 1-3 business days, but many users report waiting over 5 days or even a week, often receiving the money too late for their needs R39R53R55R60.
Is Klover customer support helpful?
Recent reviews indicate that Klover's customer support is largely automated, unresponsive, and unhelpful, with users reporting long wait times (up to a week or more) and tickets being closed without resolution R4R6R10R22.

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. [R1] 5/5 · US Great App: I have had better results with this app
  2. [R17] 5/5 · US Thankful: I am really thanks to Klover cause I can buy what my kids stuff they need.thank you very much and GOD bless ❤️🙏🏼👍
  3. [R24] 5/5 · US Great: Great app!!! Really helps in a bind
  4. [R30] 5/5 · US Great app: Klover has been such a lifesaver on several occasions! It’s fast easy and the help comes just in the nick of time. When I initially got turned onto this app recommended by a friend I really thought it was a scam. Without approval that first time I would not have been able to buy groceries that week. It’s been saving my butt ever since.
  5. [R55] 2/5 · US The False Perception Of Choice: I didn’t want to make a negative review about this app because I’ve been using the last couple of months and for the most part I’d say the positives outweigh the negatives, but this app does seem to have one glaring issue that has been driving me insane. When you get a cash advance they give you two options; 1. Get the money immediately but pay service fee. 2. Recei
  6. [R19] 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
  7. [R56] 5/5 · US THE GREATEST: Super DUPER FAST GAINING POINTS TO GET RECEIVE HIGHER AMOUNTS THAN A LOT OF OTHER “CASH ADVANCE APPS/COMPANIES”
  8. [R62] 5/5 · US Grinding ads for $: Watch ads and earn some extra cash you need right away. Don’t wait for payday. Unlock cash advances up to $250 by watching ads, access cash before your works paycheck comes.
  9. [R99] 5/5 · US Great benefits: This app makes playing games more rewarding and it’s great with the advance. They give it to you instantly. I love clover and share it with friends and family.
  10. [R3] 1/5 · US Inconsistent: Be careful using their services due to inconsistent advance amounts. You could have been paid every advance on time and they will increase your advance up $750-$850.00 then all of a sudden drop your advance down to $300-$500.00 with NO explanation as to why BUT say it’s about “bank data”.
  11. [R83] 1/5 · US Rip!: Offer a $400 advance then when payed back dropped to $150
  12. [R5] 1/5 · US Do not download: So many points but won’t let me cash out, waste of time!
  13. [R11] 1/5 · US no cash advances, just garbage points stuff: they give no cash advance while advertised as such. just want you to sign up to gambling sites for worthless unredeemable points. terrible UI too.
  14. [R13] 1/5 · US Don’t understand why I have to watch videos just to get a five dollar cash advance: Don’t understand why you have to watch the video just to get a five dollar cash advance when I get a nice amount of income
  15. [R14] 1/5 · US Cash advance gimmick: The cash advance feature is a gimmick i have over 25k points and it only lets me take 1400 points 5.00 just a waste of space
  16. [R6] 2/5 · US Used to be competitive and useful: Klover used to be one of the best cash advance options. After using the app for a year, it disconnected my debit card and am in a perpetual loop of it not connecting. Customer service is difficult to reach and unhelpful when you do. Nearly entirely automated process that is unreliable. Really disappointing honestly.
  17. [R7] 1/5 · US Login: Once I put my email and password in to setup an account it won’t let me click next.
  18. [R15] 1/5 · US Resetting my password: It would be nice if the page to reset your password actually worked!! I entered in my new password and hit save and it just sits there!!
  19. [R21] 1/5 · US Constant re-linking debit card: The app does not work
  20. [R4] 1/5 · US Scammers With Automated Loophole Support System: That would be a better name for this app. Once they have locked you into a subscription (the only way to get an advance) and have all your information, good luck getting anything to work. Then “support”sends you into an infinite automated loophole of no answers. I’ve never seen an online company take over a week to verify a bank card, while the loca
  21. [R10] 1/5 · US Buns: This app is buns false advertisement says up to $750 before payday but their max is $250. You have a better chance reaching the president than customer support. Go get Dave or EarnIn
  22. [R22] 4/5 · US Overall great but one issue: Overall I think this app is great. I used my first cash advance but have one issue with it. There are some points that haven’t been added to my account. I sent an email yesterday about it to the support team but haven’t gotten a response yet. It sucks because if I’d gotten the points this would be a 5 star review.
  23. [R16] 2/5 · US False promises: Ad said $750 but they are offering me $10. Don’t appreciate being lied to and putting in all my private information for $10.
  24. [R31] 1/5 · US Scam: The platform offers up to 750 before payday, but then after you sign up and link your bank account you learned that you have to earn points to be able to even get a five dollar advance. You only earned those points by going to third parties that are in the application. You’re better off just going somewhere else directly…. Don’t waste your time.
  25. [R54] 1/5 · US You have got to be kidding!!: My bank deposits every 2 weeks are around $2000.00, that’s $4000.00 a month and you will only offer a $5 loan ….. what a joke!!!!
  26. [R12] 1/5 · US Deposit: I request twice and still didn’t get it
  27. [R36] 1/5 · US Scam: Not sending payment issues
  28. [R39] 2/5 · US What’s the point?: I requested the cash 6 days ago and still haven’t received it. The money will be due two days after it finally comes in. It’s too late! I needed it days ago.
  29. [R53] 2/5 · US The app is mid: I have had the app for about 2 or 3 months now and the last time I used it my advance took over 5 days to reach my account. I like that they don’t charge a fee for the free advance, but it said it should only take up to 3 days. By the time I get my money it’ll be payday lol.
  30. [R35] 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.
  31. [R44] 1/5 · US Scam: This app can be good when you ACTUALLY get your points, but half of the time I don't get my points after I have SUCCESSFULLY completed an offer! Then when you reach out to support they "claim" they'll get back with you within 2-3 business days, but they'll actually take up to a WEEK to respond to you, and if you don't respond back to them within a couple of hours THEY WILL CLOSE THE TICKET s
  32. [R90] 5/5 · US They don’t give you the points you earn from downloading things for them: They don’t give you the points you earn from downloading things for them
  33. [R8] 1/5 · US No use: Will charge you subscriptions but not give you cash advance. Super gimmicky
  34. [R27] 5/5 · US Doesn’t work: Set up account, paid for Klover+, they took a few cents to verify my debit and never approved the advance. Waste of time.
  35. [R29] 1/5 · US Don’t use!!: I decided to not use the app within minutes of getting on. I wanted to cancel the subscription so I don’t get charged and there’s no option for me to do so. I have sent multiple messages and tried to do chat. I never heard back and they closed my ticket with no response. I’m going to have to report them to my bank. Major scam!!!
  36. [R67] 1/5 · US Garbage!: Absolutely awful app/company. Avoid like the plague! I requested an advance 7 days ago for a total of 40 measly dollars, to transfer my money to my account immediately they wanted to charge a 12 dollar fee, that alone is insane. The free option to transfer says it can take 1-3 days. So I decided to go with that. I have still not received the advance a week later! I am apparently going to
  37. [R63] 1/5 · US Garbage company: You sign up to get a cash advance and you get points for every part of the sign up process. They try to force you take a trial subscription to their paid services. If you don’t want it, the only way to get out of that screen is to quit the app and relaunch. When you get to the cash advance area you see that you’ve earned 395 points for signing up. You need 400 points to get any ca
  38. [R60] 1/5 · US Poor customer service: They claim they are having technical difficulties. Tell you to wait 3-5 days for issue to be resolved. It’s day 6 they still tell you to wait 3-5 more days now your day 8 they now want you to wait 5-7 days and they are still planning to charge you before you receive the request make it make since. Very poor customer service issue should be resolved in 5 days. Not 10-14. Don’

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