Head-to-head

Dave vs Klover

Dave 4.8★ · Free to download 75

Winner Dave

Klover 4.8★ · Free to download 50

Dave is generally more reliable for cash advances with fewer technical issues and a more straightforward process, making it the better choice despite some user frustrations with repayment dates and fluctuating advance amounts.

Full reviews: Dave · Klover

Dave and Klover both offer cash advances, but Dave appears to be more reliable with faster deposits and fewer technical glitches, though users report issues with repayment dates and inconsistent advance amounts. Klover struggles with frequent app errors, bank linking problems, and a confusing points-based system for advances, making it less dependable.

Head to head

Cash Advance Amounts & Eligibility edge: Dave^R1^R2^R5^R15

Dave Dave users appreciate getting cash advances quickly, often finding it helpful in a pinch ^R2^R5. However, a significant number of users report that their approved advance amounts fluctuate or decrease over time, even with consistent repayment, which is a major source of frustration ^R1^R15^R25. Some users also complain about only getting half of their approved amount upfront with additional fees .

Klover Klover advertises advances up to $750, but many users are frustrated by a points-based system where they must earn points through surveys or games to qualify for even small advances like $5 . Users also report that their advance limits can drop to as low as $25 if their bank unlinks .

Repayment & Fees edge: Dave^R4^R5^R9^R10

Dave Dave users generally find the repayment process easy and appreciate the automatic deductions ^R5. However, a common complaint is that Dave attempts to take repayment at 12:01 AM on the settlement date, often before paychecks clear, leading to overdrafts or negative balances ^R4^R9^R10. Some users also report issues with changing repayment dates ^R4^R10^R18. Dave has a monthly membership fee ^R29 and some users consider their fees for advances, especially instant transfers, to be high ^R57.

Klover Klover users experience issues with repayment dates not calculating accurately, often leaving only a few days before payment is due . Some users report payments being taken on non-paydays . Klover also has a membership fee ^R74 and users find the instant deposit fees to be high ^R102. There are also complaints about the repayment status not updating in the app after payment .

Ease of Use & Reliability edge: Dave^R2^R3^R5^R11

Dave Many Dave users praise the app for being easy to use, fast, and reliable for getting cash when needed ^R2^R5^R11. However, there are frequent reports of the app locking users out ^R3, crashing , or having difficulty reconnecting banks ^R43. Some users also find the settlement amount changes without notice .

Klover Klover is described as easy to use by some , but a significant number of users report persistent technical issues. These include constant re-linking of debit cards and bank accounts , inability to log in or reset passwords , and the app getting stuck on error messages or not loading pages . Some users also report delays in receiving advances .

Customer Support tie^R7^R18^R35^R43

Dave Dave's customer support is a major pain point for users. Many report that contacting support takes too long, involves repeated requests for information, and often doesn't resolve issues ^R7^R35^R43. Users struggle to speak with a human and find the process frustrating ^R18.

Klover Klover's customer support also receives negative feedback. Users report slow response times, with some waiting days or even a week for a reply . There are complaints that support tickets are closed without resolution ^R74 and that agents seem like bots rather than real people .

User Experience & Transparency edge: Dave^R6^R11^R17^R18

Dave Dave users appreciate the convenience and quick access to funds ^R11^R17. However, some find the app's notifications and texts to be unsolicited and predatory ^R6. There are also concerns about hidden membership fees ^R29 and inconsistencies in direct deposit recognition and settlement dates ^R18. One user reported a rejected large deposit without notification and a lack of FDIC insurance .

Klover Klover's user experience is heavily impacted by its points system, which many find confusing and misleading, feeling like they have to 'work' for an advance they then have to repay . Users also report issues with points not being added to their account after completing tasks . The app is criticized for a lack of transparency regarding advance eligibility and fees ^R102.

Pick Dave if

You need quick, reliable access to cash advances and prefer a simpler, more direct process, even if it means dealing with occasional issues with repayment timing or fluctuating advance limits ^R5^R11.

Pick Klover if

You are willing to engage with a points-based system by completing surveys or playing games to potentially earn advances, and you don't mind navigating frequent app glitches and slower customer support .

Evidence note: Both apps have a significant number of negative reviews, especially regarding repayment issues and customer service. Klover's negative reviews are more heavily skewed towards fundamental app functionality and its points-based system, suggesting a less reliable core experience.

Frequently asked

Do Dave and Klover have hidden fees?

Dave users have reported being charged a $1 monthly membership fee without noticing ^R29, and some feel that advance fees, especially for instant transfers, are too high ^R57. Klover also has a membership fee ^R74 and high fees for instant deposits ^R102.

Can I change my repayment date with Dave or Klover?

Dave users frequently complain about being unable to change their repayment date, with the app automatically detecting pay cycles and often debiting funds at 12:01 AM on the settlement date, which can lead to overdrafts ^R4^R9^R10^R18. Klover users also report that the app doesn't calculate pay dates accurately, often leaving only a few days before repayment is due .

Why do my cash advance amounts fluctuate on Dave and Klover?

On Dave, users report that their approved advance amounts can decrease significantly even after consistent, early repayment, or without clear explanation ^R1^R15^R25^R27. For Klover, advance amounts are tied to a points system, and users complain that their limits can drop, for example, to $25 if their bank account unlinks, or that they have to earn points to qualify for any advance .

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.

[R1] Dave 1/5 · US Horrible app: You get approved for one amount and then by the next time your getting approved for a way lower amount even if you paid early. Have never experienced something like this. Horrible app. Because I didn’t work a week I got low balled. You are allowed to take vacations in life! Also the app doesn’t correctly get your information.
[R2] Dave 5/5 · US Dave: Love using Dave whenever I’m tight on money and can always pay it back early
[R5] 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.
[R15] Dave 3/5 · US Good app but…..: This app is good for getting money fast and it isn’t terribly expensive when paying back. BUT the major gripes about this app are the u can go from qualifying for 400 to 500 once and after paying the advance you drop down to 200 for the next advance. And the second gripe is you pay back the advance early and if you take another advance right then you pay back in the very same
[R4] 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
[R9] 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..
[R10] 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
[R3] 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.
[R11] 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.
[R7] Dave 1/5 · US terrible app: I tried contacting support but the process is taking forever and they keep asking for info they already have. However i unsubscribed from Dave and I’m still getting $3 charges and can’t get in contact to get into my account as I no longer have access to that email or number I used for the account. I’m tired of getting $3 taken from my bank account when I don’t even benefit from the a
[R18] Dave 3/5 · US Inconsistent: My settlement date keeps changing and is not following my pay check schedule. It is so hard to talk to someone about any issue.
[R35] Dave 1/5 · US Trash: The only good thing is you have a chance to get a decent amount of money from this app. Everything else is trash, they’re inconsistent with settlement dates, how much they’ll let you borrow, and customer service is no help at all. Causes more problems than they claim to fix.
[R43] Dave 1/5 · US Ridiculous: The app worked ok at first. Then my bank was disconnected by them and I was told to reconnect it, no big deal. However, it is proving impossible to reconnect it and no one has a remedy for the connection issue. I deleted my account after trying everything on my end and Dave support doing nothing on theirs.
[R6] Dave 3/5 · US Like the service but your unwanted texts suck: Super annoying when you get a push notification and two text messages unsolicited within an hour or two at 8-10am. I work mids to late nights and even though I would be paid up you guys come knocking at the door like jehovahs witnesses spamming me even though I won’t engage with the notification or the texts. Kind of predatory and unthoughtful
[R17] Dave 5/5 · US Great App!: Needed a few bucks til next payday. Dave came through. Highly recommend!!!!
[R29] Dave 1/5 · US Hidden membership fee.: They charged me 1 dollar membership a month for 2 years without me noticing. 😂
[R57] Dave 1/5 · US Fees are way too high.: Highest fees out of everyone for advances, and that’s not even counting fast transfer. Other platforms only charge a fee upon transfer to your bank account, the flat fees from Dave are digusting.
[R74] Klover 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!!!
[R102] Klover 1/5 · US Expensive: Forced me to use my points to get a bigger advance on my first one, I wanted a certain amount, not an amount you want me to take. High fees for instant deposit
[R25] Dave 1/5 · US Less money: I pay you like clockwork every two weeks yet the amount I qualify for never goes up or is reduced. Stop this...
[R27] Dave 2/5 · US Thanks but no thanks: I been using for months and I got up to 500 to borrow and paid back every month no problem and now it went back down to 100.00. Great service I am uninstalling after this last payment.

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