Head-to-head
Klover vs Dave
Klover
65
Winner
Dave
Dave
70
Dave has a slight edge over Klover due to more consistent access to advances and fewer reported issues with bank linking and customer support, despite both apps having similar complaints about advance amount fluctuations and repayment schedules.
Both Klover and Dave offer cash advances, but users report Klover frequently has issues with linking bank accounts and inconsistent advance amounts, while Dave users experience more reliable access to funds, though they also complain about fluctuating advance limits and rigid repayment schedules. Dave generally provides a more stable user experience for those needing quick cash.
Head to head
Klover Many Klover users report significant difficulty getting cash advances, citing issues with the point system, needing to complete surveys, and debit card verification taking days or failing repeatedly R1R4R9. Some users found their approved advance amounts drastically reduced over time without explanation R33R47R53. However, others found Klover helpful for quick advances and easy to use once approved R2R5.
Dave Dave users also experience fluctuating advance amounts, with many complaining that their limits decrease even after consistent, on-time repayments . Some users were denied advances after paying back previous ones . Despite these issues, many users praise Dave for being reliable, easy to use, and providing fast access to funds when needed .
Klover Klover faces significant criticism for its reliability, particularly with bank and debit card linking. Users frequently report being unable to connect their cards, needing to re-link them repeatedly, or experiencing errors that prevent account access R1R6R8R9. Some also mention slow repayment processing times R3. However, other users find the app very user-friendly and easy to navigate R2.
Dave Dave is generally described as easy to use with fast deposits . However, some users report being locked out of the app for days or experiencing app crashes . There are also complaints about the app's software for detecting pay cycles, which can lead to incorrect settlement dates .
Klover Klover users express frustration with rigid repayment dates, wishing for more flexibility R2R18R34. Some report issues with early repayment deductions or unexpected fees R25R33. There are also complaints about hidden fees and being charged for advances even after earning points R29R45. Instant advances can incur a fee, such as $20 .
Dave Dave users frequently complain about the app taking repayments at 12:01 AM on payday, potentially overdrawing accounts before direct deposits hit R64. Repayment dates are often inconsistent and can change without notice . Some users report hidden membership fees and high fees for advances, especially for instant transfers .
Klover Klover's customer support is widely criticized as unhelpful, slow, or non-existent. Users report waiting over a week for responses, receiving automated replies, or being told to simply keep trying to resolve issues like bank linking R6R8R9R21.
Dave Dave's customer service also receives negative feedback, with users reporting long wait times, being asked for information already provided, and difficulty reaching a human to resolve issues . Some users mention being locked out of their accounts with no resolution from support .
Pick Klover if
You are looking for an app that *might* offer higher advance amounts than some competitors, and you are willing to navigate a point system and potential technical glitches to get them .
Pick Dave if
You prioritize a generally reliable and easy-to-use app for quick cash advances, even if advance amounts can fluctuate and repayment dates are rigid .
Evidence note: Both apps have a high volume of positive lifetime ratings, but recent reviews for both show a significant number of 1-star ratings, indicating a decline in user satisfaction or ongoing issues. The free-to-download model for both means some negative reviews might stem from friction experienced by non-paying users or those who don't qualify for advances.
Frequently asked
Do Klover and Dave have hidden fees?
Can I change my repayment date on Klover or Dave?
Users of both Klover and Dave express frustration over the inability to change repayment dates. Klover users wish for more flexibility in adjusting their payback dates once set R2R18R34. Dave users also report that they cannot change their repayment date and that the app automatically tries to take repayment at 12:01 AM on payday, which can lead to overdrafts R64.
Are Klover and Dave reliable for consistent advance amounts?
No, both Klover and Dave are reported by users to be inconsistent with advance amounts. Klover users state that their advance amounts can drastically fluctuate, sometimes dropping significantly without explanation, even after consistent use and on-time repayments R33R47R53R56. Similarly, Dave users frequently complain that their approved advance limits decrease, even if they pay back early or on time .
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] Klover 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
- [R2] Klover 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.
- [R4] Klover 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
- [R5] Klover Awesome: Great app comes in handy when times are rough
- [R3] Klover Repayment takes forever: Good to have but takes waaaay to long for repayment. Slow af!
- [R6] Klover Advance issues: When i relay my advance, i have to verify my debit card again and the support team is useless
- [R18] Klover Repayment dates: Repayment dates should have more flexibility
- [R25] Klover 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
- [R29] Klover I loathe this app: I’m not sure I hate anything as much as I hate this stupid app. They make you pretend to sign up with their partners in order to get an advance and they still charge YOU for the advance. So they rip them partners off with faux sign up and rip you off by charging time and money. I can’t wait until they get sued like the other cash advance apps.
- [R8] Klover 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
- [R9] Klover 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
- [R21] Klover Unreliable: This is a very unreliable app. They constantly drop my debit card info and support tells me to just keep trying. So they take the money but when u try and get an advance they conveniently have a “bug” that is not working correctly with my bank and zero resolution.
- [R33] Klover 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
- [R45] Klover 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
- [R34] Klover Awesome: Love it! Just wish we can get a extra day so my bank has time to deposit check on payday
- [R64] Dave 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
- [R47] Klover Was great not now: Been getting $300 last couple of times an now they only are offering $75 thanks a lot for screwing me
- [R53] Klover 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”.
- [R56] Klover Definitely helps when needed: I've used this service many times! Advances are always different... sometimes more, sometimes less but definitely helps in a pitch! Definitely recommend
Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store