{"app_store_id":1471211372,"slug":"klover-instant-cash-advance-1471211372","name":"Klover - Instant Cash Advance","subtitle":"Up to $750 Before Payday","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/71/4c/0a/714c0a16-a204-201d-e400-8f028f2a0fa6/AppIcon-0-0-1x_U007ephone-0-11-0-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/klover-instant-cash-advance/id1471211372?uo=4","price":0,"currency":"USD","rating":4.7585,"rating_count":396041,"in_app_purchases":false,"recent_rating":2.75,"recent_review_count":20,"reviews_checked_at":"2026-10-22T14:51:13.733Z","primary_genre":"Finance","version_date":"2026-10-20T00:23:57Z","updated_at":"2026-10-22T14:51:13.733Z","stale":false,"missing_since":null,"one_liner":"Free finance app offering cash advances of $25 to $750, with points rewards and opt-in budgeting tools.","verified_maker":false,"maker_site":null,"file_size_bytes":88849408,"minimum_os":"16.6","content_rating":"17+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/27/13/03/271303fe-b9a0-e811-e88e-43f83c14f84c/1_IOS_6.5_Benjamins_-_Screen_24.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/4f/e4/49/4fe449c9-d43f-8501-3a82-e7eb14752384/IOS_6.5_Benjamins_-_Screen_26.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/a0/75/f7/a075f7d9-ef17-52df-44f8-9789a4b9d886/IOS_6.5_Benjamins_-_Screen_25.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/14/47/ea/1447ea3f-36e0-9b62-eea6-bbd7baad73d8/IOS_6.5_Benjamins_-_Screen_27.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/f3/ae/91/f3ae9173-c5de-633f-f7c9-bff1b2c0614f/IOS_6.5_Benjamins_-_Screen_28.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/dd/1f/a4/dd1fa43c-7b80-d153-3aee-9ffe881f6c3a/IOS_6.5_Benjamins_-_Screen_29.jpg/320x480bb.jpg"],"developer_name":"Klover Holdings, Inc.","editors_choice":false,"url":"https://apptierlist.com/apps/klover-instant-cash-advance-1471211372/","api_url":"https://apptierlist.com/api/v1/apps/klover-instant-cash-advance-1471211372","schema_version":"1.0","generated_at":"2026-10-23T07:49:07.752Z","data_as_of":"2026-10-23T06:32:22.663Z","description":"Your payday can’t come soon enough! That’s where we come in. Get a Klover cash advance up to $750* cash – even if your payday is 2 weeks away. And unlike banks, there are no late fees, credit checks or interest charges. Like, legit zero-zero. \n\nHOW TO GET YOUR FIRST ADVANCE:\n* Enter your name, email and phone to sign up in seconds \n* Connect your bank so we know where to send your money \n* Pocket your cash in minutes –– get up to $750*\n\nBut we’re not just a one-trick pony. Here’s why over 2 million people have made Klover their budget bestie: \n\nSCORE EASY POINTS\nEarn points for things like taking surveys and watching ads, then cash them out for a bigger advance. \n\nBUDGET LIKE A BOSS\nLevel up your money game with Klover+ innovative budgeting tools. Create spend goals, opt-in to track your credit score, and earn extra points when you reach savings targets. \n\nMONEY FROM THE FUTURE\nIt’s not sci-fi, it’s borrowing from yourself. Ditch the banks with high fees or your friends with high horses. Get a cash advance through the Klover app with no credit checks, late fees or interest charges. Legit zero-zero. \n \n_________________________________________________\nWHY WE’RE HERE \nWe’re not your typical financial Institution. Our biggest goal is to see you financially free. \n\nSo, we’ll never charge you annoyingly high fees. Instead, we can give you a swiss army knife of money tools, plus immediate cash advances by leveraging your most valuable asset -– your data. \n \nBy transparently leveraging your approved data, we can provide low to no fee financial products and services to save you time and money. \n\nYOUR DATA IS SAFE WITH US\nYour data is always anonymized (we’ll never know who you are) and securely stored using 256-bit encryption (we’re talking military-grade, bank-level technology here). When you opt-in to our Truth in Data agreement, you’ll unlock all the Klover app perks –– like cash advances, budgeting tools, and more –– without any credit checks, late fees or interest charges. Nothing. Nada. Zilch. \n\nSTAY IN TOUCH\nGot a question? Reach out to us at info@joinklover.com \n\nDisclaimer: Klover does not offer loans. We are NOT a payday loan, cash loan, personal loan, or app to borrow money. By validating your employment you can access money you’ve already earned.\n\n*Advances range from $25-750, average advances $170. Express transfer fees may apply\n\nKlover Holdings Inc.\n222 W Hubbard\nChicago IL, 60654","facts":{"developer_id":1471211371,"developer_url":"http://joinklover.com","first_released":"2019-07-30T07:00:00Z","support_url":"https://joinklover.zendesk.com/","privacy_url":"http://joinklover.com/privacy-policy/","website_url":"http://joinklover.com/","app_version":"2026.20.0","release_notes":"Bug fixes and improvements.","rating_current_version":4.7585,"rating_count_current_version":396041,"star_counts":[12759,3335,8004,18596,353347],"genres":["Finance","Shopping"],"languages":["EN"],"content_advisories":["Infrequent/Mild Simulated Gambling","Infrequent/Mild Cartoon or Fantasy Violence","Infrequent/Mild Contests"],"device_families":["iphone"],"made_for_iphone_duo":false,"chart":{"name":"top-free Finance","position":45}},"freshness":{"apple_read_at":"2026-10-22T14:51:13.733Z","catalog_read_at":"2026-10-22T14:51:13.733Z","reviews_checked_at":"2026-10-22T14:51:13.733Z","summary_written_at":"2026-10-17T19:34:11.610Z","placed_at":"2026-10-09T03:59:53.925Z","scored_at":"2026-10-23T06:32:22.663Z"},"editorial":{"one_liner":"Free finance app offering cash advances of $25 to $750, with points rewards and opt-in budgeting tools.","what_is":"Klover is a finance app that offers cash advances, with amounts ranging from $25 to $750. Users can earn points through surveys and ads to put toward a larger advance, and can use opt-in budgeting tools such as spend goals. The listing's disclaimer states that Klover does not offer loans and is not a payday loan, cash loan, personal loan, or app to borrow money.","good_for":["Covering a short-term cash need before payday","Earning points through surveys and ads toward a larger advance","Setting spend goals and opting in to credit score tracking"],"pricing":"Klover - Instant Cash Advance is free, with no in-app purchases on the App Store.","faq":[{"q":"Does Klover charge interest or fees?","a":"The listing says advances have no late fees, credit checks or interest charges. It also says express transfer fees may apply. Advance amounts range from $25 to $750, with an average of $170."},{"q":"Does Klover offer loans?","a":"The listing's disclaimer says Klover does not offer loans and is not a payday loan, cash loan, personal loan, or app to borrow money. It describes access to money the user has already earned, after validating employment."},{"q":"What does sign-up require?","a":"Sign-up asks for a name, email and phone number, and the user connects a bank account so the app knows where to send money. The listing says data is anonymized and stored with 256-bit encryption."}],"model":"claude-haiku-5-5","created_at":"2026-10-17T19:34:11.610Z"},"memberships":[{"list":"cash-advances","list_name":"cash advances","list_status":"active","list_url":"https://apptierlist.com/best/cash-advances/","position":6,"tier":"A","score":85.7,"components":{"rating":95.2,"votes":96,"rank":51.6,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-09T03:59:53.925Z"}],"main_list":"cash-advances","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"maker":null,"history":[{"id":136083,"at":"2026-10-17T01:49:13.387Z","kind":"tier_changed","list":"cash-advances","app_store_id":1471211372,"app":"klover-instant-cash-advance-1471211372","from":"B","to":"A","reason":"rank shift: #8, score unchanged at 85.6","job":"rescore"},{"id":119804,"at":"2026-10-16T04:10:51.813Z","kind":"tier_changed","list":"cash-advances","app_store_id":1471211372,"app":"klover-instant-cash-advance-1471211372","from":null,"to":"B","reason":"checked from the list's side: ranked #6","job":"rescore"},{"id":107695,"at":"2026-10-15T15:15:01.036Z","kind":"tier_changed","list":"cash-advances","app_store_id":1471211372,"app":"klover-instant-cash-advance-1471211372","from":"A","to":null,"reason":"under review: not checked from the list's side yet","job":"rescore"},{"id":67155,"at":"2026-10-13T00:39:54.712Z","kind":"tier_changed","list":"cash-advances","app_store_id":1471211372,"app":"klover-instant-cash-advance-1471211372","from":"B","to":"A","reason":"score 85.7","job":"rescore"},{"id":63091,"at":"2026-10-12T17:06:00.123Z","kind":"tier_changed","list":"cash-advances","app_store_id":1471211372,"app":"klover-instant-cash-advance-1471211372","from":"A","to":"B","reason":"score 85.7","job":"rescore"},{"id":45397,"at":"2026-10-09T15:59:34.008Z","kind":"tier_changed","list":"cash-advances","app_store_id":1471211372,"app":"klover-instant-cash-advance-1471211372","from":"C","to":"A","reason":"score 85.8","job":"rescore"},{"id":37804,"at":"2026-10-09T07:22:03.522Z","kind":"tier_changed","list":"cash-advances","app_store_id":1471211372,"app":"klover-instant-cash-advance-1471211372","from":null,"to":"C","reason":"score 72.8","job":"rescore"},{"id":26524,"at":"2026-10-09T03:59:53.925Z","kind":"membership_added","list":"cash-advances","app_store_id":1471211372,"app":"klover-instant-cash-advance-1471211372","from":null,"to":"active","reason":"The app is named and marketed for instant cash advances up to $750 before payday, with no interest, late fees or credit checks.","job":"fill"},{"id":20981,"at":"2026-10-09T03:10:04.928Z","kind":"app_added","list":null,"app_store_id":1471211372,"app":"klover-instant-cash-advance-1471211372","from":null,"to":null,"reason":"discovered","job":"fill"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"cash-advances","list_name":"cash advances","status":"active","review_status":"checked","position":6,"tier":"A","score":85.7,"components":{"rating":95.2,"votes":96,"rank":51.6,"recency":100},"ranks":[{"country":"us","rank":3}],"verdicts":[{"verdict":"keep","reason":"Klover's core purpose is advancing up to $750 before payday, repaid from the next paycheck, which makes it a direct alternative to Dave and Brigit. Its budgeting and credit tools are only extras.","verifier":"list check","decided_at":"2026-10-16T03:43:51.809Z","attempts":1,"current":true},{"verdict":"keep","reason":"The app is named and marketed for instant cash advances up to $750 before payday, with no interest, late fees or credit checks.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-09T03:59:53.925Z","attempts":1,"current":false}]}]},"data_version":41613,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/klover-instant-cash-advance-1471211372/"}}