Albert vs Klover
Klover is the better choice for users seeking a more reliable cash advance experience.
While both apps have their issues, Klover generally offers a better user experience with more favorable reviews regarding cash advances and ease of use. In contrast, Albert faces significant criticism for its subscription cancellation process and customer service.
Head to head
you prefer a budgeting app that offers direct cash advances and are willing to navigate its complexities.
you want a more straightforward cash advance experience with a generally better user satisfaction.
Evidence note: Both apps have free tiers, but Albert's negative reviews are more concentrated around subscription issues, while Klover's users express frustration with its points system. This suggests that Klover's issues may stem from its unique model rather than outright scams.
Frequently asked
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.
- [R3] Albert Average App.: I think it is an okay app, but I don't like having all my money gone when it is time to pay it back.
- [R14] Albert Terrible cancellation process.: The app is alright but they make it hell to try and stop using it. It’s annoying because it’ll “smart save” and randomly take money out your account. You can turn it off but then you can’t borrow from the app without it on. You try to close the account and they give you 30 hoops to jump through that THEY created. It serves it’s purpose but I wouldn’t recommend for s
- [R63] Klover 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
- [R83] Klover 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.
- [R40] Albert Cancellation: Probably one of the worse banks when it comes to canceling. There is no one who actually assists you. They take money from your linked bank account monthly. It’s just an all around horrible app
- [R72] Klover 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.
- [R87] Klover 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.
- [R1] Albert Impossible to cancel subscription: Just as the title reads they keeps charging you and make it impossible to cancel your subscription.
- [R4] Albert Scam: This app is a scam. There is absolutely no way to cancel a membership (which I never agreed to btw) in the app; instead, they want you to text or call them. If you’re looking for money, this is NOT the app to use. They will steal from you and refuse to help in any way.
- [R66] Klover 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.
- [R118] Klover 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
- [R8] Albert Unreasonable Refund Policy: They’ll gladly take your money, make it inconvenient to cancel on the app itself, raise prices, and then tell you they don’t offer refunds. It goes against their policy.
- [R22] Albert App was going good then boom 39.99: App was going good then boom charged 39.99. Contact support there’s nothing they can do. They just automatically changed my plan and now i can’t change it back. Can’t get a refund. Nothing. 39.99 for nothing.. smh don’t use app will scam u
- [R10] Albert If I could give a 0, I would,: A very fraudulent company who has AI writing reviews for them. They will continue taking money from you even after you disconnect your bank account....for months! Because they "stil have access".
- [R60] Albert Horrible customer service Do Not: I recently set up an account with Albert and I have found that their customer service and communication is horribly lacking. I was trying to pay my instant cash account and I didn’t realize that you can’t do it through your debit card and it takes 2 to 3 days to do it through your bank account and in the meantime you’re getting charged for the late fees and the on
- [R73] Klover 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.
Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store