Klover
4.6Budgeting extrasFacts verified August 31, 2026
Get Klover
On Klover's site
Klover advances you up to $750 before payday — with no interest, no credit check and no mandatory fees.
Get Klover
On Klover's site
$750
Max advance
$0/mo
Subscription
None
Credit check
$1.49-$19.99, depending on the amount requested
Instant fee
The details
- Max advance
- Up to $750
- Limit resets
- Per pay period
- Mandatory fees
- None
- Premium plan (optional)
- Monthly subscription; price not stated on these pages (set on Klover's Pricing Page)
- Interest
- None
- Late fee
- None
- Credit check
- None
- Direct deposit required?
- Yes
- Bank-link required
- Yes
- Instant transfer
- Instant (minutes)
- Instant transfer fee
- $1.49-$19.99, depending on the amount requested
- Free transfer
- 1–2 days (standard transfer)
- Tips
- Requested (optional)
- Eligibility
- US residents with three consistent employer direct deposits
Pros & cons
Pros
- Advances carry zero interest and zero late fees.
- No credit check and no minimum credit score requirement, so applying does not affect your score.
- There are no mandatory fees to access a standard advance.
- You can access up to $750 of your paycheck early, with your limit based on income and account activity.
- Express delivery can put the money in your account within minutes.
- Klover+ is optional and adds bill tracking, spending insights, and daily Experian credit monitoring, with a 30-day free trial.
Cons
- Instant delivery costs an express fee of $1.49 to $19.99, depending on the amount requested.
- Klover prompts you for a voluntary contribution (tip), and both tips and express fees are non-refundable.
- You must connect a bank account and a debit card to use the advance service.
- You need income paid by direct deposit, including three consistent direct deposits from your employer, before you qualify.
- Klover+ charges a monthly subscription fee if you enroll after the free trial.
- Free standard transfers take a day or two to arrive.
