8 Apps Like Klover

When personal finances are tight, it can be a relief to know that there are ways to get cash without taking out a personal loan or borrowing money from family. Apps like Klover allow you to get a cash advance on your upcoming paycheck without credit checks, late fees, or interest charges.

While Klover is a great option for many, it doesn’t fit the needs of everyone. It can take up to six weeks to be approved for a cash advance, and it doesn’t offer advances to those who are self-employed. If you need cash fast or need it approved based on self-employment income, you may want to look into Klover alternatives.

Apps Like Klover

Keep reading as we break down the features of each app. This will help you understand your options so you can find the best one for your financial situation.

Top 8 Apps Like Klover

1. EarnIn

Pros

• Higher advance limits
• No interest or mandatory fees
• Access to money within minutes

Cons

• Must give the app access to your bank account
• Can’t borrow full amount upfront
• Employment verification required

Loan Limit: $750
Fees: $3.99-$4.99 for instant transfer
Deposit Speed: Minutes

EarnIn is a cash advance app that gives users access to $100 per day (up to $750 per pay period) to those who are employed and earn at least $320 per pay period. This limit is significantly higher than most apps like Klover, making it a great option for those who need large amounts of cash fast.

In addition to its cash advance services, EarnIn customers also enjoy access to its free credit monitoring and advanced financial calculators.

👉 Read the full EarnIn review >>

2. Dave

Pros

• High cash advance limits
• Allows for extended repayment dates
• No minimum balance required

Cons

• Mandatory membership
• High fees for instant transfers
• Limited to one advance at a time

Loan Limit: $500
Fees: $3-$25 for instant transfer
Deposit Speed: 5 minutes

Dave is a personal finance app that offers cash advances in addition to its budgeting tools and savings accounts. While Dave does require you to join their membership program, it only costs $1 per month, and you can access up to $500. The exact amount you’re approved for is based on an algorithm that reviews your financial history, but there are no credit checks involved.

Once you request the cash advance, you’ll be asked to schedule a no-interest pay-back date to settle the amount you owe.

👉 Read the full Dave review >>

3. Cleo

Pros

• No interest or credit checks
• Accepts freelancers and gig workers
• Includes money-management features

Cons

• Small cash advance limit
• Monthly subscription required
• Must pay an extra fee for same-day transfers

Loan Limit: $500
Fees: $3.99 for instant transfer
Deposit Speed: Same day

Cleo is an AI-powered money management app that helps users create a budget, build credit, and get cash advances. It's known for its sassy AI personal assistant that sends messages to help you achieve your financial goals. After connecting your bank account, Cleo can help you avoid overdrafts by offering cash advances. While there's a monthly fee for these services, Cleo stands out from other apps like Klover by supporting gig workers and self-employed workers.

👉 Read the full Cleo review >

4. Chime

Pros

• Access to paychecks up to two days early
• More than 60,000 partner ATMs nationwide
• No fees for overdraft protection

Cons

• No physical banking locations
• Cash deposits aren’t very convenient
• Must have a Chime checking account to use cash advance features

Loan Limit: $500
Fees: $2 for instant transfer
Deposit Speed: Minutes

Chime is an online banking platform that provides users with up to $200 in overdraft protection through its SpotMe feature. There are no monthly or minimum balance fees, and signing up takes just a few minutes. You can also access your paycheck up to two days early if you are enrolled in direct deposit, and build your credit using the company’s Credit Builder credit card.

👉 Get started with Chime!

5. Brigit

Pros

• Free extensions on cash advance repayments
• Low instant transfer fees
• Subscription includes credit monitoring and budget tools

Cons

• Must sign up for a membership for cash advance
• Cash advance amount lower than most competitors

Loan Limit: $250
Fees: $.99-$3.99 for instant transfer
Deposit Speed: 20 minutes

Brigit is a personal finance app that helps users review their spending habits and monitor their credit. It also protects you from overdrafts by warning you that your account is getting low and offering a cash advance to cover you until your next payday. To access these features, however, you need to have a Brigit membership, which starts at $9.99 per month.

👉 Read the full Brigit review >>

6. MoneyLion

Pros

• High borrowing limits
• Ability to extend repayment dates
• Offers a wide range of other financial services

Cons

• Sued by CFPB in 2022
• Cash advances are limited to $100 increments

Loan Limit: $1,000
Fees: $.49-$8.99 for instant transfer
Deposit Speed: Minutes

MoneyLion more than lives up to its name – it’s one of the kings of financial management apps. Not only does it offer up to $1,000 in cash advances, but members can also take advantage of their other financial products, including mobile checking, high-yield savings accounts, personal loans, credit monitoring, and automated investing. Some of these features have a monthly fee, but their Instacash service is free if you opt for regular delivery.

👉 Read the full MoneyLion review >>

7. Possible Finance

Pros

• Ability to repay in installments
• Can help you build credit
• Works with people who have bad or no credit

Cons

• High interest rates and monthly fee
• No phone support
• Doesn’t work in every state or with every bank

Loan Limit: $500
Fees: $15-$20 for every $100 borrowed
Deposit Speed: Minutes

Possible Finance offers short-term loans, credit cards, and cash advances. This Klover alternative allows you to borrow up to $500 without a credit check. They also set themselves apart by allowing users to pay in installments. And because payments are reported to credit bureaus, you can build your credit score with on-time payments.

8. Albert

Pros

• Wide range of financial tools included
• Financial experts available to offer personalized advice
• Cash back rewards when you use banking services

Cons

• Monthly subscription required for cash advances
• No phone support
• No mobile check deposits

Loan Limit: $250
Fees: $4.99 for instant transfer
Deposit Speed: 10 minutes

Albert is a banking app that allows you to manage your finances with checking, savings, and investment accounts. Their banking services also deposit your paycheck up to two days earlier than competitors and offer cash-back rewards. All accounts come with Instant overdraft protection, allowing you to transfer up to $250 into any account.

Choosing Apps Like Klover

Choosing the right Klover alternative depends on your lifestyle and financial goals. Some of the best cash advance apps offer full-fledged financial services, while others only provide overdraft protection. Self-employed individuals will have fewer options compared to those with traditional jobs, and lower-income earners may not get approved for the full cash advance amount available.

At Homeowner, we think EarnIn is the best Klover alternative if you want low fees and a high cash advance limit. We also like Dave for its side hustle resources and competitive fees. No matter which app you choose, be sure to read the terms and conditions before signing up, and make sure you understand the fee structure and repayment terms before requesting an advance.

What Are Some Other Alternatives to Consider?

A cash advance isn’t the right solution for everyone. Maybe you need more money than a cash advance can offer, or maybe you need longer repayment terms. If this sounds like you, here are a few alternatives to consider:

• Start a side hustle
• Take out a personal loan
• Apply for a credit card
• Borrow from friends and family

What About Payday Loans?

A payday loan is a high-interest loan that you must repay in a short amount of time –typically by your next paycheck. It’s because of these high interest rates that we cannot recommend taking out a payday loan, especially when there are so many better options available.

Cash advances differ from payday loans in several key ways. Unlike payday loans, cash advances typically do not charge interest – if they do, they have very low interest rates. Additionally, cash advances often have more flexible repayment terms and can be linked directly to your paycheck, making it easier to repay the borrowed amount without the high fees and risks associated with payday loans.

Fund Your Future with Apps Like Klover

There are many apps available that can help you get a cash advance when you need it. While Klover is a popular choice, it's not the only option. Depending on your financial situation and needs, one of these other apps might be a better fit. Just remember to take the time to weigh your options and review the app’s terms and conditions before signing up.

Managing your finances isn’t always easy, but with the right tools, financial stability is within reach!