10 best apps like Klover for instant cash advance in 2022

Sometimes life happens, and you urgently need extra cash. Free instant cash advance apps like Klover are becoming popular because they are ideal in such situations.

These apps allow users to borrow and get money fast and without much hassle.

Klover cash advance app gives its users advances on their paychecks. It does not charge interest on cash advances, and users can borrow up to $100.

The cash advance turnaround time is three business days with no charge. However, if you are strapped for cash, you can pay an express fee to get the advance in under 24 hours. The express fee depends on the amount of money being transferred.

To access Klover’s services, users need to:

  • Show proof of active paycheck
  • Show proof of at least three direct deposits to their account
  • Have an account that has been active for more than two months

Many options are available if you don’t meet these requirements or you’re just looking for cash advance apps similar to Klover.

Most of them don’t need credit checks and are easy to access. 

1. Dave

Dave banking app

Dave is a free instant advance app that provides users with a no-interest cash advance of up to $250 on their paycheck.

The app does not charge interest on its cash advances but has a $1 membership fee payable regardless. In addition, Dave gives its users two delivery options in their cash advances, express or standard.

Express delivery will send the cash within eight hours, but a fee will be applied depending on the amount transferred. The standard option is free, but the money will take up to three business days to get to your account.

In addition to the cash advance service, Dave offers mobile banking and personal financial management services to help its users manage their budgets. These services also help avoid overdrafts.

Some of the requirements for an instant cash advance from Dave:

  • Evidence of current and consistent income- you will need to show a minimum of two paychecks
  • Proof of extra money in your account left over after paying bills

Additional features

  • Cash advance of up to $250
  • No credit checks
  • No interest
  • No overdraft fees
  • Budgeting tool

2. Albert

Albert loan app

Albert is a free instant cash advance app by Albert Corporation. The app offers budget, saving, investing, and banking services.

These services are aimed at helping you as a user improve your relationship with money, regardless of your income.

As a user, you get the benefit of information on credit cards, budgeting, investing, and loans from a team of money experts.

Designed to help every American achieve financial stability, Albert users get to repay the borrowed amount when they can. However, the app does not demand rapid repayment of the loan.

To get an instant cash advance from Albert, you only need a paycheck and have cleared your past advances.

Additional features

  • Cash advance of up to $250 at no interest with no advance fee
  • Option to pay a small fee to get your money instantly or get cash within 2–3 days for free
  • 30-day free trial and after $4 monthly costs
  • $150 welcome bonus for new customers
  • A $150 incentive for every new referral you send their way

3. Brigit

Brigit app

Brigit is a financial loan app like Klover and Dave that promises less stress for its users while providing improved credit scores, savings, and budgeting services. In addition, the app has tools which you, as a user, can use to gain financial literacy.

This instant cash advance app has a monthly membership of $9.99, which is a bit on the higher side compared to apps like Klover and Dave, which cost $2.49 and $1, month-respectively.

The upside to this, however, is there are no other fees or tips. Brigit also offers the option of extending a due loan date.

To qualify for a loan with Brigit:

  • You should add and use your primary checking account daily. This helps the instant cash advance app predict your earning and spending patterns.
  • Your primary checking account should have at least 60 days of activity
  • At least three frequent deposits from one employer/source
  • Balance is more than $0
  • Your account has money after paying bills

Additional features

  • Advances are approved almost immediately.
  • Get up to $250
  • No credit check is required
  • No interest charged

4. Floatme


Floatme is an instant cash advance app that helps users manage their finances, save money and avoid overdrafts.

The app needs to be connected to your bank account. This enables you to access your earnings without going through the hassle of involving your boss in your financial hitches. It also helps track your money transactions and spending habits.

Floatme has the following requirements for new users:

  • Direct deposits from an employer
  • Income of at least $200 per paycheck
  • Positive bank account balance
  • A debit card attached to an active checking account

Additional features

  • Cash advance up to $50
  • Turnaround time of 1-3 business days or in 2 hours if using a debit card
  • No credit checks
  • No interest
  • Flexible repayment terms
  • Information on spending insights
  • Access your earned wages early

5. Empower


Empower instant cash advance app offers interest-free no-fee cash advances of up to $250. This helps to improve your credit history.

However, unlike Klover and Dave, not having an Empower checking account will lock you out of getting the cash advance services.

These are some of the requirements you need to access the cash advance services.

  • Own an Empower checking account for at least 60 days
  • At least three deposits from the same employer
  • Monthly income of over $1,000
  • Maintain an account balance of $100

Additional features

  • The autoSave feature enables users to set money aside every week
  • 14-day free trial, after which you pay $8 in monthly costs
  • Turnaround is within 24 hours

6. Earnin

Earnin lets you get cash on the same day and provides access to $100 daily from the pay earned. In addition, this is one of the best apps like Klover since it has no mandatory monthly fees or interest.

You can choose the amount you wish to pay, between $0 and $14. Earnin users are also not charged fees on advances and do not have to pay a membership fee.

 These are the requirements for this app; 

  • Be in active employment with a fixed work location
  • Have a regular payment schedule
  • Have more than 50% of your direct deposit sent to a checking account

Additional features

  • Withdrawals of between $100 -$500 per pay period
  • Same day turnaround time
  • No credit checks
  • No interest
  • Getting a member to vouch for you will give you access to the Boost feature that allows you to apply for a 50% max increase.

7. Cleo

Cleo app

Cleo is an instant cash advance app with free budgeting and saving features. With a membership fee of $5.99 per month, Cleo offers between $20-$70 for first-timers.

Like other alternatives to Klover, paying back is the key to higher limits-users can access up to $100.

To qualify for Cleo’s cash advances, you must set up your Cleo wallet and connect a debit card. In addition, Cleo has a new subscription service- Cleo Crusher – which is invite-only and costs $9.99 per month.

Additional features

  • Cleo Plus can earn cash back rewards and enjoy salary advances up to $100.
  • Free budgeting, automatically save and track your spending
  • Saving advice and recommendations
  • You can earn interest on your savings

8. Current

Current app

The current instant cash advance app accepts mobile banking. In addition, the app has an Overdrive feature that enables users on Current Individual Accounts to overdraft cash amounting to $200.

An account with Current requires monthly direct deposits worth $500. In addition, opening an account with Current requires all its users to be US residents with a minimum age of 18 years.

Additional features

  • Get paid up to 2 Days earlier
  • No minimum balance required
  • No hidden fees

9. Vola


Vola Finance is a free instant cash advance app that tracks users’ finances and helps them save and budget. In addition, users get a borrowing limit of up to $300 with an account balance of less than $35.

Vola also allows users to repay the advanced money earlier and avoid prepayment penalties. Alternatively, the app will take the repayments from the bank account.

As one of the best apps like Klover, Vola charges a monthly membership fee of $9.99. However, it also does not have a minimum initial amount requirement.

Vola app requires a bank account that has:

  • Three months activity
  • The minimum average balance of $150
  • Evidence of regular account activity as proof of income

Additional features

  • No interest charges
  • No credit checks
  • Tracks spending patterns
  • Same-day turnaround time for cash advances

10. Chime


The Chime cash advance app requires users to have an active Chime debit card and have made direct deposits worth a minimum of $200 to a Chime account in the past month.

If you are looking for the best apps like Klover, you won’t go wrong with Chime.

Additional features

  • Qualify for up to a $200 overdraft without paying any fees with SpotMe
  • No monthly fees
  • No credit checks
  • No minimum opening balance
  • Automatic savings feature
  • Get paid up to 2 days early with a direct deposit

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