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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Klover vs Cleo AI

Klover 4.8★ · Free to download 65
Winner Klover
Cleo AI 4.7★ · Free to download 60

Klover has a slight edge over Cleo AI due to its more consistent advance amounts and fewer reported technical issues during signup, despite both apps facing criticism regarding customer support and hidden fees.

Full reviews: Klover · Cleo AI

Klover and Cleo AI both offer cash advances and budgeting tools, but users report frequent issues with bank linking and inconsistent advance amounts for both. Klover users praise its ease of use and quick advances, while Cleo AI users appreciate its budgeting insights, though both struggle with customer support responsiveness and transparency regarding fees and advance eligibility.

Head to head

Cash Advance Availability and Amount edge: KloverR1R2R4R11
Klover Klover users report that while the app can provide quick advances and be very helpful, the advance amounts are often point-based and can fluctuate drastically, making it difficult to rely on R2R4R19. Some users also complain about having to complete surveys or partner offers to get points for advances R1R11R19R29.
Cleo AI Cleo AI users experience similar inconsistency, with advance amounts dropping significantly even after on-time repayments . Users also note that the app often only allows a portion of the available advance amount to be taken at once, and sometimes requires a fee for expedited access R66R87.
Ease of Use and Reliability (Technical Issues) edge: KloverR1R6R8R9
Klover Many Klover users report persistent issues with linking their debit cards or bank accounts, often requiring repeated attempts or failing entirely R1R6R8R9. This can prevent users from accessing advances or even logging in, leading to significant frustration R8R9R13.
Cleo AI Cleo AI also faces significant technical complaints, particularly during the signup process where the Plaid bank connection screen often fails to load or loops indefinitely . This prevents many potential users from even completing their account setup.
Fees and Transparency tieR4R15R19R25
Klover Klover users mention a point-based system for advances, which some find unrealistic and tied to using other services R4R19. There are also reports of hidden fees, money being taken back early, or advance amounts being reduced after repayment R15R25R29. Instant advances may also incur a fee R32.
Cleo AI Cleo AI users frequently complain about fees, specifically a $10.99 fee for each withdrawal and the inability to take the full advance amount at once R66. Some users also feel tricked into more expensive subscriptions for higher advances .
Customer Support tieR6R8R9R21
Klover Klover's customer support is widely criticized for being slow, unhelpful, and unresponsive, with users waiting days or over a week for responses R8R9R39R55. Many report that support does not resolve issues, especially those related to bank linking R6R21R39R55.
Cleo AI Cleo AI users also report poor customer service, with difficulties reaching live agents and getting stuck with automated bots . Responses are often described as canned or unhelpful, and some users report issues taking months to get a non-canned response .
Repayment Flexibility edge: Cleo AIR2R3R18R34
Klover Klover users express a desire for more flexibility in repayment dates, as the app currently does not allow changes once set R2R18R34. Some also note that repayment processing can be slow R3.
Cleo AI Cleo AI users appreciate that the app can offer more time to pay back advances . However, one user reported being denied an extension despite an excellent repayment history due to a family death, and was unable to reach a live agent for assistance .
Budgeting and Financial Tools edge: Cleo AIR65R92R96R98
Klover Klover is primarily focused on cash advances, with less emphasis on comprehensive budgeting tools in the reviews.
Cleo AI Cleo AI is praised for its budgeting and expense tracking features, with users appreciating its candid approach to displaying finances and identifying unknown subscriptions R65R92R98. However, some users find its categorization inconsistent and the budgeting function clunky, lacking basic planning features R96.
Pick Klover if

You prioritize a potentially higher advance amount and a slightly more reliable experience once past initial setup issues, and are willing to navigate a point-based system for advances R32.

Pick Cleo AI if

You are looking for an app with stronger budgeting and expense tracking features, and are prepared to deal with potential signup issues and variable advance amounts R65R98.

Evidence note: Both apps have a significant number of negative reviews, often citing similar issues. The lifetime ratings are high, but recent reviews indicate a decline in user satisfaction, particularly around technical reliability and customer support. The 'free to download' aspect for both apps means many negative reviews stem from users encountering limitations or friction within the free tier, such as fees for instant advances or difficulty qualifying for higher amounts.

Frequently asked

Do Klover and Cleo AI offer instant cash advances?
Yes, both Klover and Cleo AI can offer instant cash advances, though Klover users mention a fee for instant advances R20R32 and Cleo AI users report that the only option to receive an advance might be by paying a $14.99 fee for expedited delivery R87.
Are there hidden fees with Klover or Cleo AI?
Both apps have users reporting concerns about fees; Klover users mention hidden fees and money being taken back early R15R25R29, while Cleo AI users frequently complain about a $10.99 fee for each withdrawal and feel tricked into more expensive subscriptions R66.
What are the main issues with customer support for these apps?
Users for both Klover and Cleo AI report significant issues with customer support, including slow response times, unhelpful automated responses, and difficulty reaching live agents R8R9R39R55.
Do Klover and Cleo AI have problems linking bank accounts?
Yes, both apps have users reporting significant problems linking bank accounts; Klover users frequently experience issues with debit card verification and persistent relinking R8R9R13R21, while Cleo AI users often get stuck on a buffering 'Get started' screen where the Plaid bank connection fails to pop up during signup .

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] Klover 1/5 · US 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
  2. [R2] Klover 5/5 · US 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.
  3. [R4] Klover 2/5 · US 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
  4. [R11] Klover 1/5 · US Hassle. Lies. Not worth it.: I’ve tired to use this app countless times sent people links for points in all had the app for months still haven’t gotten a cash advance. Don’t use.
  5. [R6] Klover 3/5 · US Advance issues: When i relay my advance, i have to verify my debit card again and the support team is useless
  6. [R8] Klover 5/5 · US 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
  7. [R9] Klover 1/5 · US 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
  8. [R15] Klover 1/5 · US steal your money: They stole money from me and their customer service sucks I would give them zero stars if I could
  9. [R19] Klover 1/5 · US You can’t get cash advance right away: If you are needing a cash advance you are not getting it right away. I don’t know why these reviews are saying as such because it’s not true. You have to get your card verified first which they said can take up to a few days. So that literally defeats the purpose. THEN YOU LITERALLY HAVE TO DO SURVEYS TO GET ACCESS TO CASH ADVANCES.
  10. [R25] Klover 1/5 · US 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
  11. [R21] Klover 1/5 · US 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.
  12. [R3] Klover 3/5 · US Repayment takes forever: Good to have but takes waaaay to long for repayment. Slow af!
  13. [R18] Klover 5/5 · US Repayment dates: Repayment dates should have more flexibility
  14. [R34] Klover 5/5 · US Awesome: Love it! Just wish we can get a extra day so my bank has time to deposit check on payday
  15. [R65] Cleo AI 5/5 · US Professional, Friendly, & REAL: I appreciate the candid approach to assist the budgeting & expenses in my life! It is displayed so clearly- it’s the BEST plan I’ve ever subscribed to for planning my life and finances! - Thanks Cleo❣️
  16. [R92] Cleo AI 5/5 · US Help when needed: This is a great choice to manage budget and resources.
  17. [R96] Cleo AI 3/5 · GB Good premise but it tags the spends incorrectly: I think the idea of this app is great so you can get an idea of where your spend goes but I keep on having to recategorise payments. Even bills that come out monthly that I mark as bills and set as a recurring payment get given random categories. It’s a little frustrating. If you don’t mind going through each transaction (it’s a faff) then the app i
  18. [R98] Cleo AI 5/5 · US Great App!: Great app to have. Helps from budgeting to unknown subscriptions you forgot about that you’re still paying on.
  19. [R20] Klover 5/5 · US Klover-Instant Cash Advance: Very user friendly, and easy to use. Amazed on how quick funds become available! Thanks Klover!
  20. [R32] Klover 4/5 · US ACTUALLY the best: This is the third cash advance/ payback app that I have used. First being Dave, then Brigit, now Klover. LET ME TELL YOU.. KLOVER IS HANDS DOWN THE BEST. (Not sponsored 🤪🤣) with the other apps the payback processing time was horrendous, Klover lets me pay back and borrow instantly. There is a catch for instant advances tho! My instant advance costs me a $20 fee. 😵‍💫 that’s the o
  21. [R87] Cleo AI 3/5 · US Fix Advance Options: It is not ok that the only option to receive an advance is by paying $14.99 to have it expedited. This did not use to be the case. The service great to use when needed, but bring back the standard option to receive the advance in 3-4 days instead of immediately.
  22. [R29] Klover 1/5 · US 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.
  23. [R66] Cleo AI 3/5 · US Fees on top of fees!: Fees on top of fees! Will only allow you to take a portion of your available advance amount. You get charged a $10.99 fee for each withdrawal. Once you make your first withdrawal you have to wait 24 hours on the dot to request the next one. Not convenient at all.
  24. [R39] Klover 1/5 · US 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.
  25. [R55] Klover 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
  26. [R13] Klover 1/5 · US Useless: How many times does someone have to connect their debit card? Every single time I try to log in it prompts me to add my card…again. Never connects to a legit account, basically starts over every single time you log on. Useless!

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