11 Best Apps like Klover for Small Cash Advances

Need a cash advance? Try these apps like Klover to get the funds you need to make it till next payday.

Are you interested in learning about the best cash advance apps like Klover for instant money?

Today I’m going to show you some new strategies to borrow money instantly simply by clicking a few buttons on your cell phone (in under 5 minutes).

The best part? A lot of these cash advance apps work with Varo, Chime, Current and other digital banks and traditional bank accounts.

I get it.

Life happens.

Sometimes you need some extra cash to pay a bill or you’re trying to save up for something you want.

You don’t want to fall behind on bills and are wondering how to get an instant $50 loan or what money borrowing apps can pay you today?

Sure, another 100 dollars paid out early wouldn’t hurt. We’ve all been there, but what do you usually do when that happens? This is an exhaustive list of things that anyone can do, today, in order to get your paycheck early so you can earn money today.

If you're strapped for time, I'll go ahead and share the best apps like Klover. Try these free mobile applications available in the App Store and Google Play Store — so you can borrow cash with ease:

  • App Store: 4.8 – ‎146k reviews
  • App Store: 4.8 – ‎652k reviews
Fees: $8/mo
Fees: $1/mo
  • App Store: 4.8 – ‎146k reviews
Fees: $8/mo
  • App Store: 4.8 – ‎652k reviews
Fees: $1/mo
Pay Advance AppCash Advances Max
Chime SpotMe$200*

But first, what is Klover?

What is Klover?


What is Klover?

Klover can give you some extra cash before payday. Just have at least three consistent direct deposits within the past two months with no gaps in pay with the same employer; once you meet those requirements feel free to apply and request a boost of a $200 cash advance.

$200 may not cut it and you'll want to find the best apps like Klover that offer up to a $500 per cash advance.

  • Klover is an app that provides an advance of up to $200 on your next paycheck
  • No mandatory fees
  • An optional express fee from $2.99 to $20.78 to receive funds faster
GET UP TO $200

10 Best Cash Advance Apps Like Klover

These apps like Klover help you get your paycheck early and can help you get paid today.

1. Albert

Albert can spot you up to $250 so you can make ends meet. No late fees, interest, credit check, or hidden hands in your pocket. As long as you have a paycheck and have repaid your past advances, you can request up to 3 cash advances per pay period. There's no catch and they are offering a 30-day free trial

2. Empower

Empower is one of the best apps like Klover designed for today’s generation. No matter what lies ahead, they’ll help you thrive by letting you borrow money. By downloading the app you can get a cash advance of up to $250 when you need it most, and save for your future.

get paid today

You can count on them to have your back and get a cash advance up to $250 directly to your account. No applications, no interest or late fees, no credit checks or credit risk. You just pay them back automatically when you receive your next direct deposit. There's no catch. It's that simple.

3. Chime SpotMe


Traditional banks took $11 Billion in overdraft fees in 2019. At Chime, they do things differently. Instead of charging you an overdraft fee, they allow you to overdraft up to $200* with no fees. So if you need to pay for something but don't have any money, you can still buy it with Chime SpotMe covering you. There are a ton of apps that work with Chime so it's a flexible option for any consumer.

4. Current

apps like earnin

Current is the future of mobile banking. This bank account has a bunch of compelling features where you can get spotted you $200 at any time, get paid up to 2 days faster, and all with no minimum balance or hidden fees. Its Overdrive feature is similar to Chime's SpotMe — where qualified members get fee-free overdraft up to $200. Current doesn't run a credit check when you open an account, so you don't have to worry about your credit history or FICO scores being impacted.

5. Cleo

Cleo is another app one of the best apps like Klover where you can get a cash advance — which is its answer to extortionate overdraft fees and the scary-expensive world of payday loans through Cleo Plus ($5.99/month for its membership fee).

If you qualify, Cleo can give you a no-interest advance of up to $100 to help you stay out of your overdraft. You pick your repayment date – anywhere between 3 and 28 days – and pay Cleo back when you reach it.

The free option gives you access to Cleo's budgeting tool and digital wallet, plus a weekly quiz with chances to earn cash rewards but you can't get the salary advance.

6. Brigit

Brigit is another one of the best apps like Klover that can help anyone get money today. By downloading the free app on iOS or Android — you can join 3 million members who get an advance up to $250, budget, and save smarter with Brigit. Only takes 2-minutes. Apps like Brigit have no credit check and no interest so you can get your finances on track. Brigit may not work with your bank account if you're using a digital bank like Chime, Net Spend or Varo.

7. MoneyLion

moneylion get paid today app

MoneyLion is banking that gives you more, a lot more so you can get an advance today. You can get spotted $250 at any time with no interest with Instacash. This gets you 0% APR payday loans of up to $250 to help you cover essentials and surprises, just apply here and link your checking account (no monthly fee). Plus, you can get your paycheck up to two days early with RoarMoney – plus easy ways to borrow, save, invest, and earn. If you want to build credit, MoneyLion has credit builder loans to consider. All in one app, that's why it's one of the best apps like Klover.

8. Branch

brand get paid today app

Apps like Branch offer a mobile digital wallet for working Americans. An on-demand hub that helps them meet their everyday financial needs, this free instant pay platform allows any employee to receive a payroll advance (up to $500 in earned wages per paycheck), manage their finances, and spend anywhere – all from their smartphone.

9. Dave


Apps like Dave pride themselves on being banking for humans. Meet the banking app that puts your financial mind at ease. Get paid up to two days early, build your credit history with the major credit bureaus, and get a maximum cash advance of $500 without paying a fee. 7 million members and counting consider Dave one of the top reliable cash advance apps for affordable money.

Get up to $500
  • Dave is an app that provides an advance of up to $500 on your next paycheck
  • Only required fee is a monthly $1 subscription fee
  • An optional express fee from $1.99 to $13.99 to receive funds within an hour (instead of the standard two to three days)
GET UP TO $500

10. B9


Apps like B9 aim to help unbanked customers and traditional banks' underserved audiences, which predatory lenders often target. B9's app offers zero-fee advances of up to 15 days, a B9 Visa® Card with up to 4% cashback, FDIC insured, and money transfer services— providing excellent flexibility to people navigating the day-to-day demands.

B9 is a top contender for one of the best cash advance apps since you can get 100% of your paycheck with the B9 Premium plan which has a $19.99 monthly fee. The Basic plan allows instant cash advances up to $300 with no fees.

11. Earnin

earnin get paid today app

Earnin is another app like Klover that lets you get cash today and can access up to $100 per day from the pay you've already earned (without hidden fees or interest). With apps like Earnin, there are no mandatory monthly fees or interest. You choose what you want to pay to support the service. This is a radical change from the way the American financial system typically functions.

More Financial Assistance During Pandemic

If you want to build credit and make the right financial decisions and start saving money, personal loans may not be the answer. You can easily get instant cash by using pay advance apps like Klover that over cash advances. These types of advances do not have prepayment penalties and offer flexible repayment with flexible due dates. You can also opt to use overdraft predictions with online banks like Chime and Current. Whatever position you can, there is always a way to improve your financial life:

How can I get paid today?

There are payday apps like Empower that can help you get your paycheck early so you get paid today. When you need cash to make it to payday, these apps can be a huge help to get instant cash. All these payday apps are listed in this article.

How can I get paid instantly?

There are websites where you can get paid instantly by completing online activities. You essentially get paid to do something on sites like Swagbucks or InboxDollars.

What apps will give you money?

There are a few apps that will you free money, which we've listed in this article.

Can you get advance cash from mobile apps?

Yes, you may get advance cash for a short time using a cash advance app. They're available to download and use from your smartphone, so the cash can be distributed quickly and from anywhere. However, some apps will charge you a monthly membership fee.

How to get payday loans from the app?

You should submit your application for an instant cash advance using the chosen app. To receive the cash you want, provide your personal and banking details.

If I don’t have a bank account can I get a loan deposited on my app?

A checking account must be linked to the app of your choice for every borrower. Otherwise, the payday loan app won't be able to deposit money for you to meet your demands.

How to get an advance from paychecks if you use loans app?

You may pick the applications that allow you to borrow money from your future salary. This way, before the next payday, you will get the funds you have already earned and return them automatically once your wages are paid into your account.

External resources, so you don’t have to do the research:

1) Have you lost your job? You can file for unemployment and you should begin budgeting and to save money while working to build an emergency fund. Apps like Klover also have automatic advance extensions for any user who has filed for unemployment and your credit history doesn't matter. No questions asked. 

2) Need some government help? Smarts is tracking everything to do with the government's two trillion dollar stimulus package. Are you eligible? How much will you get and do you need to file? It’s all here.

3) Looking to earn money? We have two articles about this, one for people looking for easy online online jobs and another for people looking for part-time income with gig economy apps.

4) Worried about bills? Here is an article from our team on using apps to save money on groceries. Credit card companies and some banks are also delaying payments, waiving fees, and removing interest charges. Read about it here. You can get out ahead of these problems.

5) Trying to stretch your budget? Check out our guide on living cheap so you can save money. Maybe you already know it all, but maybe there are some tidbits in there to help.

Borrow Responsibly when Using Payday Loan Apps Like Klover

If you're like most people, any new financial need or demand makes you irritated and tense. The best apps like Klover can help you meet your immediate demands without delay or having to seek secured personal loans. Since you're likely unready for financial emergencies and each additional financial obligation can put you on edge.

There are several advantages of borrowing money via an app rather than going to a local bank or pawnshop to try and get quick cash. Even though there are many lending institutions in each city today, you may not be aware of all the nuances, interest rates and fees among them.

Every potential borrower must understand that he or she is fully responsible for any loan or cash advance obtained. This money should not be taken for granted, since it will only be used for a brief period of time.

Finally, such small amounts of loaned money can't accommodate long-term financial objectives. Consider alternative ways to finance your long-term goals and needs, or try to increase your income potential with side hustles.

With that said, good luck with borrowing money with these apps like Klover.

*Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.
^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

Brian Meiggs
Brian Meiggs
Brian Meiggs is a personal finance expert, and the founder of Smarts, a personal finance site helping you easily explore your best money options. He helps readers follow the smart money in order to increase their earning potential and start building wealth for the future. He regularly writes about side hustles, investing, and general personal finance topics aimed to help anyone earn more, pay off debt, and reach financial freedom. He has been quoted as a top personal finance blogger in major publications including Business Insider, Yahoo! Finance, NASDAQ, Discover, and more.
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