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.
Need $500? Check out Dave for yourself
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 and watching ads. These credits can be used to increase your cash advance amount or cover the fee for same-day funding.
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.
With access to certain personal financial management services, such as budgeting features, costing a monthly subscription fee of $3.99, there are cheaper apps like Klover.
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. Extra Cash Account Agreement for more details.'>1
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
| PROS | CONS |
|---|---|
| ✓ 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
| PROS | CONS |
|---|---|
| ✓ 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. 2
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:
- How to Build Your Credit at 18
- What are Credit Builder Loans?
- Top Credit Builder Loans with CASH Upfront
- How to Supercharge Your Credit Score For Just $5/Month
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
| PROS | CONS |
|---|---|
| ✓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)
| PROS | CONS |
|---|---|
| ✓ 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)
| PROS | CONS |
|---|---|
| ✓ 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 |
BEFORE YOU GO…
Check out our most popular articles:
- Cash Advance Apps for Gig Workers: The Ultimate Guide
- Top FREE Instant Cash Advance Apps (Save Time)
- Simple Hack to Grow Your Credit For Just $5 a Month
The post 5 Awesome Apps Like Klover for Instant Cash Advances (and Lower Fees) appeared first on Overdraft Apps.
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