Head-to-head
Klover vs EarnIn
Klover
60
Winner
EarnIn
EarnIn
70
EarnIn has a slight edge due to more consistent service for established users and clearer fee structures, while Klover struggles with persistent technical issues and opaque advance qualifications.
Both Klover and EarnIn offer cash advances, but Klover is plagued by technical issues, particularly with bank linking and customer support. EarnIn, while not without its own criticisms regarding advance limits and customer service, generally provides a more reliable experience for users.
Head to head
Klover Klover offers cash advances, but users frequently report that the advertised advance amounts are unrealistic and that obtaining an advance is tied to a 'point-based' system, often requiring participation in offers or surveys R1R4R19R45. Advance amounts can also fluctuate drastically and inconsistently, even for long-term users . Some users appreciate the quick availability of funds once approved R20.
EarnIn EarnIn provides cash advances, with many users finding it helpful for emergencies and quick access to funds . However, some long-term users report that their daily and pay period advance limits have been reduced without clear reasons . The app also has limitations, such as not allowing transfers if the account is in the negative and issues with certain bank accounts .
Klover Klover is frequently criticized for persistent technical issues, especially with linking debit cards and bank accounts R1R6R8R9. Many users report being stuck in verification loops or having their card information dropped R8R9R21. While some find the app user-friendly when it works R2R20, the recurring technical problems make it unreliable for many R7R9.
EarnIn EarnIn is generally described as easy to use and seamless . Users appreciate its reliability for getting money on time . However, some encounter issues when changing banks, leading to overdraft fees , or with the app not refreshing account information promptly . There are also reports of the app not working as advertised for some users .
Klover Klover users report issues with repayment dates, wishing for more flexibility R2R18R34. Some users claim the app took payments back early or charged unexpected fees R25R29. There are also complaints about subscription fees and additional costs for instant advances R29R32R45R55.
EarnIn EarnIn has upfront and minimal fees, with a charge for immediate transfers and an optional tipping system . Some users express confusion about tips or feel they pay back more than borrowed . There are serious complaints about unauthorized charges, money being taken back before time, or incorrect charges leading to overdrafts R87. Users also mention difficulty rescheduling payments R87.
Klover Klover's customer service is widely criticized as poor, useless, and slow R6R8R9R21. Users report long response times, automated responses, and a lack of resolution for persistent issues like bank linking R8R9R21.
EarnIn EarnIn's customer support also receives significant negative feedback, with users describing it as unhelpful, unresponsive, or consisting of bots . Some users report difficulty contacting support to resolve issues like unauthorized charges or incorrect deductions .
Klover Klover has a mixed sentiment. Many users find it a blessing and helpful for quick advances R5R10. However, a significant number of reviews label it as a 'scam' due to unfulfilled promises, points not paying out, and issues with accessing funds R1R7.
EarnIn EarnIn also has mixed sentiment. Many users praise it as a 'lifesaver' and 'legit' for emergencies and getting through tight times . Conversely, a substantial number of users express strong dissatisfaction, calling it 'pointless,' 'bad,' 'trash,' 'scam,' and advising others to 'stay away' due to various issues .
Pick Klover if
you are willing to navigate a points-based system and potential technical glitches for a cash advance, and you value the possibility of higher advance amounts that Klover sometimes offers .
Pick EarnIn if
you need a generally reliable cash advance app with clear fee structures, are comfortable with an optional tipping model, and want a service that many users find to be a 'lifesaver' for emergencies .
Evidence note: Both apps have a significant number of highly negative reviews, often using strong language like 'scam' or 'horrible.' While Klover's issues frequently revolve around initial setup and bank linking, EarnIn's complaints often stem from unexpected charges, reduced advance limits for long-term users, and difficulties with customer service resolving these issues. The lifetime ratings are very similar, suggesting a consistent user experience for both, with a vocal minority of very dissatisfied users for each.
Frequently asked
Are Klover and EarnIn really free to use?
What are the main problems with Klover?
Can I change my repayment date with these apps?
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
- [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
- [R19] Klover 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.
- [R20] Klover Klover-Instant Cash Advance: Very user friendly, and easy to use. Amazed on how quick funds become available! Thanks Klover!
- [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.
- [R6] Klover Advance issues: When i relay my advance, i have to verify my debit card again and the support team is useless
- [R7] Klover Stay away: use any other app
- [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.
- [R5] Klover Awesome: Great app comes in handy when times are rough
- [R10] Klover Awesome app: Clover is an awesome app it has truly been a blessing for me I highly recommend it
- [R32] Klover 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
- [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
- [R55] Klover 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
- [R34] Klover Awesome: Love it! Just wish we can get a extra day so my bank has time to deposit check on payday
- [R87] EarnIn SCAM BEWARE DONT DOWNLOAD: I had no choice but to close my account. First they won’t allow you to reschedule payments until 60 days… why do I have to wait 2 months? Cus they want money. Next they will take money out of your account even if you don’t have money.. why? Cus they want money. Lastly even if you explain why you can’t pay it back at that date they will keep giving you a hard time in doin
Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store