Klover
4.6Earning points to cut feesFacts verified September 11, 2026
Get Klover
On Klover's site
Klover can advance you up to $750 before payday, with no interest and no credit check. The instant fee scales with the amount: $3.99 on a small advance, $37.49 on the max. You earn points by playing games, taking surveys, or shopping in the app to spend on fees or a bigger limit. Those points are actually payment for sharing your data, and Klover+ costs $4.99 a month after a 30-day trial.
Get Klover
On Klover's site
$750
Max advance
$0/mo
Subscription
None
Credit check
$3.99 to $37.49, by advance amount
Instant fee
The details
- Max advance
- Up to $750
- Limit resets
- Per pay period
- Mandatory fees
- None
- Premium plan (optional)
- $4.99/mo (Klover+)
- Interest
- None
- Late fee
- None
- Credit check
- None
- Direct deposit required?
- Yes
- Bank-link required
- Yes
- Instant transfer
- Instant (minutes)
- Instant transfer fee
- $3.99 to $37.49, by advance amount
- Free transfer
- 1–2 days (standard transfer)
- Tips
- Requested (optional)
- Eligibility
- US residents with three consistent direct deposits from the same employer. Klover does not publish a full list of states where it is unavailable. Indiana and Wisconsin each have their own separate Klover pricing page, so the fees shown here may not be the ones you pay there. Klover's help centre says Connecticut and Maryland residents cannot pay express fees directly and have to cover instant delivery with points instead.
Pros & cons
Pros
- Play games or take surveys to earn points, then chip away at the fee.
- No interest and no late fee, even if you miss your due date.
- Borrow up to $750, and your limit can grow over time.
Cons
- You pay $3.99 on a $25 advance and $28.49 on a $500 one. Small advances cost the most per dollar.
- Those reward points are payment for selling your data. Klover says so itself.
- Klover+ costs $4.99 a month once the 30-day free trial ends.
