Head-to-head
EarnIn vs Klover
EarnIn
75
Winner
EarnIn
Klover
55
EarnIn is generally a more reliable option for cash advances, despite some customer service and repayment issues, while Klover struggles with consistent functionality and a problematic points-based system.
EarnIn provides quick cash advances that many users find helpful for emergencies, though some report issues with customer service and unexpected charges. Klover, while also offering advances, is plagued by a confusing points system, frequent app glitches, and unresponsive customer support.
Head to head
EarnIn EarnIn is praised for providing quick access to funds when needed, acting as a financial safety net for emergencies like vet bills or groceries . Users appreciate the ability to get money in real-time earlier than payday R16. However, some users report issues with unexpected changes to their daily or per-pay period withdrawal limits R15, difficulty transferring money when their account is negative R7, and problems with bank account updates leading to overdraft fees R9.
Klover Klover offers cash advances, but its functionality is heavily tied to a points system, which many users find frustrating and confusing . Users report that the app frequently unlinks bank accounts and debit cards, forcing them to re-enter information repeatedly R64R78. There are also complaints about advances being stuck at low amounts or not being approved despite paying for Klover+ R72.
EarnIn Many EarnIn users find the app easy to use and the service simple and seamless R14R18. It's described as straightforward for borrowing and repaying . However, some users encounter difficulties with specific features, such as changing banks R9 or the new GPS verification feature for contractors . There are also complaints about the app arbitrarily taking money without notification R25.
Klover Klover is described as easy to use by some who find it smooth sailing after initial setup . However, a significant number of users report persistent issues that hinder ease of use, such as constant re-linking of debit cards R64R78, inability to log in , and bank verification problems . The points system adds a layer of complexity and frustration for many .
EarnIn EarnIn is frequently praised for being reliable, always delivering money on time and coming through in a pinch R2R8R11. Users trust it as a lifesaver for emergencies R38. However, some users report unreliability when funds are needed, with the 'needle constantly pushed back' R15, and issues with delayed check holds R13.
Klover Klover's reliability is a major concern for many users. Common complaints include not receiving requested cash advances , points not being added to accounts after completing offers , and the app failing to verify banks despite multiple attempts . Some users also report repayment dates being inaccurate or payments being taken at the wrong time .
EarnIn EarnIn is free to download, but charges a fee for instant transfers, which some users find acceptable R6R14R38. There's also an optional tipping feature R6R38. Some users feel they pay more back than they borrowed due to these charges and tips R6. Others complain about being ripped off or facing unauthorized charges R1R19R23.
Klover Klover is also free to download, but its value proposition is heavily criticized due to its points system, which requires users to 'work' for advances through surveys or games . Users report high fees for instant deposits and a membership fee for Klover+ R72, which some feel is not worth it given the app's issues. Many feel it's a 'scam' or 'racket' due to these mechanics .
EarnIn EarnIn's customer service receives overwhelmingly negative feedback. Users report inability to contact support to fix issues R1, poor customer service R10, and agents who don't listen or provide unhelpful, bot-like responses R43R45. There are complaints about support refusing to refund unauthorized charges or improperly charged money R23R35.
Klover Klover's customer support is also widely criticized for being slow and unresponsive. Users report sending emails without response , tickets being closed without resolution , and long wait times (2-3 business days, often longer) for responses that seem to come from bots rather than real people . Users express frustration over the lack of live agents .
Pick EarnIn if
Pick EarnIn if you need a straightforward cash advance app that generally delivers funds reliably and quickly for emergencies, and you are comfortable with instant transfer fees and optional tips R14R16R38.
Pick Klover if
Pick Klover if you are willing to engage with a points-based system by watching ads or playing games to earn advances, and you are not in urgent need of funds due to potential delays and glitches .
Evidence note: Both apps have a significant number of negative reviews, particularly regarding customer service and app functionality, despite high lifetime ratings. The free-to-download model for both means some negative feedback stems from users encountering limitations or fees associated with faster access or premium features.
Frequently asked
How do EarnIn and Klover handle fees for cash advances?
EarnIn charges a fee for instant transfers, which some users find minimal and upfront, and also has an optional tipping feature R6R14R38. Klover charges high fees for instant deposits and also has a membership fee for its Klover+ service, in addition to requiring users to earn points through tasks to access advances R72.
What are the common complaints about customer support for these apps?
Do these apps work with all bank accounts?
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.
- [R7] EarnIn Pointless App: This is pointless. If you can’t transfer money when your account is in the negative - what’s the point??
- [R9] EarnIn Changing Banks: I really like EarnIn but I needed to change banks. I changed it they still used my old account. Now I have overdraft fees!!!
- [R15] EarnIn Zero benefits for long term customers: I know now what to expect from earnings app & the un reliability when it comes to having the funds available when I need them to pay bills is something I unfortunately can’t risk. I’ve never payed late but the needle is constantly pushed back, I use to be able to withdraw 1250$ per pay period then they reduced it to 1100$ with zero valid reasons as to why. I
- [R16] EarnIn It is LEGIT!!: I was very skeptical about opening a account and give my bank information. But this is Legit, I honestly couldn’t find any other way to access money and I was thinking on a loan, but I am not needing a loan anymore since I can access my money in real time earlier. Thank you!!
- [R14] EarnIn Nice app and service: I enjoy the Earnin app and the service is really simple and seamless. All the fees (which are extremely minimal) are up front and easy to understand. I was skeptical of something like this before, but it’s been a really nice thing to know I have when and if I need it.
- [R18] EarnIn Easy to use: Earnin has always worked well for me and is easy to use.
- [R25] EarnIn Actually ridiculous: I got this because, like most people, I was in need of money. It wasn’t until after I connected my direct deposit that I find out that most money sharing apps don’t support this app (ie. CashApp, Venmo, etc.) and you can’t deposit any cash into it? Plus I paid my rent with the amount that was said on my account on Friday and today they just arbitrarily took $50 of my earnin mo
- [R2] EarnIn Very good: Very good app always get my money
- [R8] EarnIn Saved me: Earnin has came through for me like crazy
- [R11] EarnIn Always on Time: Always there when needed
- [R13] EarnIn If I could put 0 I would: Does not help As advertised. They will hold your check longer than they say
- [R1] EarnIn Stolen: They have taken over 700$ in pay back before time it was 499$ and now and extra 300 was taken out of my account and no you can not contact customer service or support to fix this issue so im out an extra 300$ out of my paycheck never again it is being deleted after tears with them
- [R6] EarnIn Earnin: I enjoy this app but when I request amount of funds it automatically send me whole 100.00 which I don’t need therefore this is a great apps. I notice the charge a fee if you need immediately or you have to wait one or two business day to receive your funds in your account.i notice I tips some time unfortunately when it time to repay the money back it seem I pay more back. I’m trying to und
- [R19] EarnIn They rip you off: They rip you off
- [R10] EarnIn Poor Customer Service: They will take your money and they dont care about helping give anything unless you pay extra
- [R23] EarnIn Refuse to refund unauthorized charges: I am shocked by the experience I went through with this card and unauthorized charges. They claimed because a digital token was used, they could not prove any fraud took place and refused to refund the charges. Mind you this after I presented evidence that I’ve never used the card before at the specific store sites and showed someone trying to use my card AGA
- [R35] EarnIn They will not refund your money when they improperly charge you: I have used them for years. I have had a couple of hiccups with them, which is normal, but they have always corrected the issues this time around. They charged me at the wrong time. I had to place a stop payment with my bank then they promised me that if I had screenshots, they would reimburse the fee after they improperly charged me
- [R38] EarnIn Lifesaver: I have never been very smart with my money. I’ve left myself in situations where I need money before payday, I try not to let that happen very much. This app is great for when you’re in a pickle. Yes there’s a $3.99 fee for transferring instantly and yes they do ask for a tip, but you can choose the amount and I personally believe it’s worth it.
- [R72] Klover Doesn’t work: Set up account, paid for Klover+, they took a few cents to verify my debit and never approved the advance. Waste of time.
- [R43] EarnIn Not worth it: The customer support team is full of bots that repeat the same response. The customer support when a human eventually responds repeat the same information that the bot provides. I was using the app for over a year and I’ve encountered issues with how the daily max reset. I was also made aware that regardless of your good history with the platform that is not taken into consideration
- [R45] EarnIn Awful: Agents don’t listen and I basically spent 30 minutes to an hour to find out that I wasn’t going to be able to use the app
- [R37] EarnIn I love EarnIn: But you don’t accept my Robinhood bank account and my gold card is too good to pass up.. I’ll have to use tilt from now on. Maybe if you add access let me know with a reply..I’ll change to 5 stars. It’s been a good run 😭
- [R64] Klover Constant re-linking debit card: The app does not work
- [R78] Klover Horrible: It’s frustrating having to deal with this app because your bank CONSTANTLY is unlinking as well as your debit card. You also have to build up points for you to be able to reach a higher amount. Every time my bank unlinks I always end up back to $25 cash advance. App sucks! Don’t waste your time!
Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store