Klover
Klover can be a lifesaver for quick cash advances, but its reliance on a point system, inconsistent advance amounts, and poor customer support make it a risky and often frustrating experience.
Klover offers cash advances, often praised for being fast and helpful in a pinch, but many users report significant issues with its mandatory point system, unreliable bank linking, and unresponsive customer service. While some find it a 'lifesaver,' others label it a 'scam' due to unfulfilled promises and hidden costs.
Free vs paid
The app is advertised as free, but many users report that a subscription fee or 'Klover+' is required to get an advance R7R13R18. Even with a subscription, users still need to earn points by watching ads, playing games, or signing up for third-party offers to qualify for advances R7R29R41. The free tier, if it truly exists for advances, is not clearly defined in reviews, with most complaints centered around having to pay or earn points for any advance.
Value complaints
- Users report being charged subscription fees (Klover+) but not receiving cash advances or still being required to earn points.R7R13R18R37
- The app is criticized for advertising large cash advances (up to $750) but only offering much smaller amounts (e.g., $5, $10, $250) after sign-up, often requiring users to earn points.R9R20R26R41
- Users complain about high transfer fees and the necessity to earn points to waive these fees, which is seen as a waste of time and effort.R55R64
- Some users report being double-charged for advances or having payments taken incorrectly.R33R110
Where it delivers
- Many users find Klover helpful for quick cash advances when they are in a bind, describing it as a 'lifesaver' and 'clutch'.R3R27R34R40
- The app is often described as easy and quick to use for getting advances.R16R19R47R52
- Some users appreciate the ability to earn points by watching videos or playing games to increase their cash advance options.R29R97R98R117
It is not worth paying for Klover due to numerous complaints about being charged for subscriptions without receiving advances, or still being forced to earn points despite paying R7R13R18R37.
You should skip Klover if you are looking for a straightforward cash advance without having to earn points, deal with unreliable bank linking, or navigate poor customer support R4R7R15. Also skip if you expect the advertised high advance amounts immediately, as many only receive small amounts like $5 or $10 initially R9R20R23R26.
Evidence note: The lifetime rating is very high, but recent negative reviews frequently mention issues with the point system, inconsistent advance amounts, and poor customer support, which are not reflected in the overall positive rating. Many positive reviews are short and generic, while negative reviews provide more specific complaints.
Frequently asked
Is Klover a scam?
How much cash advance can I get from Klover?
Do I need to earn points to get a cash advance on Klover?
Does Klover have good customer support?
Are there issues with linking bank accounts or debit cards?
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.
- [R7] Have to get points to get a advance: You have to collect points to get a advance even tho you pay for a subscription fee definitely stay away
- [R13] 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
- [R18] No use: Will charge you subscriptions but not give you cash advance. Super gimmicky
- [R37] 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.
- [R9] Read carefully: They advertise you can get $700 then you download the app and it’s a point system in which you have to build up to get advances. Its so many buy here adds, very difficult to get any money!
- [R20] 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
- [R26] 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 $10.
- [R41] Scam: The platform offers up to 750 before payday, but then after you sign up and link your bank account you learned that you have to earn points to be able to even get a five dollar advance. You only earned those points by going to third parties that are in the application. You’re better off just going somewhere else directly…. Don’t waste your time.
- [R55] Gross lack of respect for your time and effort.: You get all the downsides of a GPT app with an added bonus of paying them back full price they advertise it’s due to the fact that you can sway the transfer fees….firstly very high transfer fees 50$ withdraw - 9$ transfer fee…it took me like an hour and a half, if not more to get the points to withdraw that amount and on top I needed 10 points per 2
- [R64] Avoid: Super predatory even after spending ridiculous amounts of time on the tasks to get enough points for a cash out they way overcharge you to get that money instantly NOT WORTH IT STAY AWAY
- [R33] Review: Not letting me change or reset password. Took my payment not on my payday. Support is slow. After multiple attempts. Feel like I was ripped off
- [R110] Double charged: Caused me to end up $283 in the hole. Took an advance for $250, they pulled $500. Will not ever be using this company again. Spent a week with them trying to tell me that the charge failed, and only pulled once. Sent screenshots proving otherwise, was still informed no refund would be issued. Contacted my bank about the duplicate charges, was refunded the $250 four days later. This
- [R3] Lucky To Have You Klover: They helped me out when I was in a jam and needed cash for my daughter’s high school graduation. Klover came through in the clutch like Jalen Brunson. Thanks for the help.
- [R27] Thankful: I am really thanks to Klover cause I can buy what my kids stuff they need.thank you very much and GOD bless ❤️🙏🏼👍
- [R34] Great: Great app!!! Really helps in a bind
- [R40] 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.
- [R16] Easy Peasy: Simple and quick to use.
- [R19] Reseña de Klover: Hasta ahora si trabaja como dice , aún sigo probando más de la app , y es bastante fácil de usar y te explica muy bien cada paso para usar lo que quieres de la app
- [R47] Klover: So clutch and convenient. Doesn’t take you through all the hoops and loops to get the money either. Connect your bank just once and from there smooth sailing.
- [R52] That’s I call life safe: Easy to use and instantly moneys on your account thank you.
- [R29] 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
- [R97] Klover is a lifesaver: Klover has saved me so many times it’s incredible how handy and convenient, you can even watch videos or play games to get more points, you can increase your cash option advance for more money. Super handy, I suggest if life happens to have this on hand!
- [R98] Love this: Playing is fun
- [R117] 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.
- [R1] Fraud: Confusing app will take ur money
- [R2] Stupid Klover: So stupid I haven’t gotten any money it’s a scam
- [R5] don’t give out your debit card: it’s a scam. Don’t worry about it.
- [R8] Was great not now: Been getting $300 last couple of times an now they only are offering $75 thanks a lot for screwing me
- [R12] 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”.
- [R21] 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.
- [R23] 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
- [R24] 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
- [R4] 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.
- [R15] 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.
- [R31] Constant re-linking debit card: The app does not work
- [R42] Horrible: It’s frustrating having to deal with this app because your bank CONSTANTLY is unlinking as well as your debit card. You also have to build up points for you to be able to reach a higher amount. Every time my bank unlinks I always end up back to $25 cash advance. App sucks! Don’t waste your time!
Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store