5 Awesome Apps Like Klover for Instant Cash Advances (and Lower Fees)

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Alexander Porter

30-SECOND SUMMARY: The Klover app offers cash advances up to $200 with no credit check. Plus, you can earn ‘Klover Points’ to help increase your cash advance limit, enjoy lower fees, or participate in the daily draw for exciting cash prizes. The downside? Klover isn’t a great option for freelancers/gig workers and with lower initial borrowing limits than some apps, we found Dave’s $500 cash advance to be a top alternative. Read on for the best apps like Klover.


Why is Klover becoming one of the most popular cash advance apps?

  • Super speed - You could have up to $200 in your bank account in under 10 minutes!
  • No, No, No! - No credit check, no interest, no subscription fee, no tips, no late fees
  • 🎰🤑💰 - Earn Klover Points that you can use to enter free daily cash drawings or boost the size of your cash advance

What other apps are like Klover?

Klover offers small cash advances of up to $200 to eligible users without interest charges, late fees, or credit checks. 

Klover has a pretty nifty Points Program which allows you to earn and use credits by participating in surveys, watching ads, participating in promotional offers, and sharing information about yourself and your purchases. Klover Points can be used to increase your cash advance amount or you can use them to enter free daily cash prize drawings.

But there are some downsides to be aware of too.

Qualifying for a Klover cash advance requires recurring deposits from a regular employer alongside income verification – a process that could take up to six weeks. If you’re an Uber driver, gig worker, or earn income through self-employment, Klover won’t be a good fit.

While Klover doesn’t charge a membership fee to access cash advances, you’ll be encouraged to upgrade to Klover Plus for $3.99/month to access some unremarkable features like credit monitoring or to redeem your Klover Points for gift cards.

And oh yeah, that personal information that Klover frequently asks you for in exchange for more Klover Points? It has a pretty robust business of selling your data to advertisers. On one hand this does keep Klover’s cash advance fees on the lower side, but it may not be worth it if you prefer to keep tight control of your personal data.

Check out the top 5 alternatives to downloading Klover if you’re looking for more comprehensive features, a larger cash advance, or more affordable pricing. 

#1 – Dave: New users can borrow up to $500 immediately

Dave offers up to (a seriously impressive) $500 cash advance without interest or credit checks. 2

What sets Dave apart from other apps like Klover is:

a). Lightning-fast service. Right after signing up, you can immediately request a cash advance, and within a minute, the funds are in your hands (as long as you have a Dave Debit MasterCard). 

b). $500 cash advance limit. Even better, this maximum amount is available for new users (pending eligibility) so you’re not drawn in by a high borrowing limit then stuck with a “new user” cash advance of twenty bucks.

If you don’t want to request a Dave Debit Mastercard, Dave offers the option to transfer your cash advance to your bank account within three business days at no charge.

You’ll need to subscribe to Dave to access cash advances. But since that will seat you back just $1 a month, it’s a price that may just be worth paying.

Get a cash advance for up to $500 instantly >>> Check out Dave 👈

✓ No credit check✘ Requires bank account access
✓ No interest 
✓ Receive cash in under 60 seconds
✓ Access up to $500 in cash advances

#2 – Cleo: Cash advances up to $100 with top-tier memes

Cleo is an AI-powered app offering fast, interest-free cash advances of up to $100. 

That sounds like every other app like Klover… until Cleo’s AI kicks in and starts Roasting or Toasting you.

Knowing that money management can be dull (understatement of the year), Cleo is a witty and humorous sidekick that uses memes, wisecracks, and occasional playful jabs to make managing your money fun, engaging and captivating. 

Download Cleo and enjoy standout features including:

  • ‘Roast Mode’ – for when you need a candid reality check on your spending habits.
  • ‘Hype Mode’ – if you prefer a shower of compliments for your financial prowess.
  • An innovative credit-building card (no credit checks, no interest; subscription required).
  • A treasury of money-saving tools.
  • And, of course, the ability to secure cash advances of up to $100.
🤓 Overdraft Apps Tip: Cleo is an ideal solution for gig workers, whether you’re a DoorDash driver, an Uber driver, or a Lyft driver, you won’t be penalized for having multiple income stream.

Typically, funds find their way into your bank account within 3 – 4 business days. If an emergency strikes, you can speed up the process with an express fee of $3.99, which gives you your cash within 24 hours.

Get Started in 2 Minutes (And Borrow $100) >>> Check Out Cleo’s Sass 👈

✓ Up to $100 in cash advances✘ Requires $5.99/month subscription
✓ Up to $70 initial limit✘ Lower limits than other cash advance apps
✓ No credit check
✓ No interest

#3 – Albert: Grab $250 and a direct line to Albert’s team of “Geniuses”

Albert earns its spot on this list of apps like Klover with a comprehensive suite of tools to help you stay on top of your finances, including tracking spending, saving, and budgeting. 

Albert also beats out Klover with a cash advance limit of $250, giving you some extra room in your checking account for unexpected expenses. 3

There are no credit checks to be eligible for an Albert advance – but we have written a few handy guides to help you boost your credit score if you’re looking to make a positive change:

We couldn’t add Albert to this list without mentioning its unique support system of ‘Albert Geniuses’. These real people (there’s no chatting with AI or a ChatGPT knock-off here) are available 7 days a week via the app or text message and can answer your financial queries for a small fee. 

Get $250 Fast >>> Explore Albert 👈

✓Borrow up to $250 with no interest✘ Funds take 2-3 days to reach your bank account
✓No credit check✘ Direct deposit required for no fee instant advances
✓No fees or interest

#4 – MoneyLion: Borrow up to $1,000 with Instacash

Sick of hidden fees and charges?

MoneyLion understands this and offers a cash advance app without monthly fees, account fees, or cash advance fees. This makes it a frustration-free experience when we downloaded and tried it out.

To qualify for MoneyLion’s cash advance feature – known as Instacash – you’ll need a recurring deposit from an employer or benefits program. Once your account is verified, you can immediately access and cash out anywhere from $50 to $250. 

Need a little more?  We get it (and so does MoneyLion).

You can increase your Instacash limit and borrow up to $1,000 (if you’re eligible) by adding a RoarMoney account and setting up a recurring direct deposit. Upgrading to a RoarMoney account will set you back $1 per month, which also comes with MoneyLion’s banking features, including:

  • Early payday
  • Fee-free ATM withdrawals
  • Spending rewards on everyday purchases

With tips optional, MoneyLion is a super affordable way to grab an extra $200 if you’re not loving the Klover app.

Get Up to $250 Fast >>> Explore MoneyLion (it’s free to use with no mandatory fees ever) 👈

✓ Get up to $250 with no interest✘ “Voluntary” tips can encourage you to overpay
✓ No monthly fees!✘ Requires access to financial information
✓ No direct deposit
✓ No credit check

#5 – PockBox: Up to $2,500 even if your credit score has taken a hit

Need more than Klover’s $200 cash advance limit?

PockBox can help you go a helluva lot higher with cash advances up to $2,500 (and more if you meet eligibility requirements).

To get started, simply fill out a few forms and provide some basic information about yourself. In just 5 minutes, you’ll be able to compare lenders through PockBox, even if you have bad credit, and access $200  and potentially much more.

One of our favorite things about PockBox is that there’s no pressure to select a lender. PockBox will consider your financial situation and connect you with up to 50 potential lending partners so you can browse obligation-free and find the perfect match for your financial situation.

In most cases, funds will be in your account within 1 business day, which can help you avoid any late payments, dishonor charges, or overdraft fees.

Get that $200 you need TODAY >>> Explore PockBox (get up to $2,500 fast) 👈

✓ Access up to $2,500 fast✘ Must have regular income to qualify
✓ Get approved for a $50 loan in minutes✘ Funds take 1 business day
✓ No fees or charges to apply


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WAIT! Why borrow quick cash when you can earn it?!

Cash advance apps can be a great tool for getting a little extra cash when you need it, but you’ll need to repay it – plus fees – wihtin a week or two. Did you know there’s an easy way to earn extra cash that’s yours to keep?

KashKick is a wildly popular service that lets you earn money for playing games, completing surveys, signing up for trial offers and more. (You’ll even earn cash for just completing your profile!) You can earn cash today and withdraw your earnings through PayPal once you’ve reached $10. You can earn over $100/month with KashKick – and you don’t need to spend a dime or take out your credit card to do it.

There are dozens of high-paying offers available on KashKick, and if you’re into playing new games on your phone, you can earn some serious cash for doing what you love. Though offers change regularly, there are currently1 more than three dozen offers available where you can earn cash – sometimes over $100 – just by downloading and playing popular games like Coin Master, Monoply Go, Bingo Blitz, and more. These games are all free to download, and no in-app purchases are required to earn with KashKick.

Get paid to play on your phone >>> Check out KashKick

Alexander Porter
  1. As of February 13, 2024. Offers may change and may not be available to all users. Eligibity requirements apply. See KashKick's Terms of Service for full details.
  2. ExtraCash™ is a DDA account with overdraft utility that is subject to eligibility requirements. Taking an ExtraCash™ advance will make your account balance negative. Express delivery fees apply to instant transfers. See the Extra Cash Account Agreement for more details.
  3. Download the Albert app to see if you qualify. Repay the advance with your next paycheck. Fees may apply. Advance amounts based on qualification and may vary. Albert is not a bank. Banking services provided by Sutton Bank, Member FDIC.

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