Fees checked against each app’s own terms Not financial advice
Best Cash Advance Appswhat each one really costs

Klover Balance Advance: what $100 really costs

In brief

Klover needs no membership; Klover+ at $4.99 a month is optional. Standard delivery is free and takes 2–5 business days. Express delivery is priced by amount, up to $9.49 for $100, and the fee is added to what you repay. No tips, interest or late fees. On its published terms, $100 delivered instantly and repaid in 14 days costs $9.49, or 247% APR; waiting for the standard transfer costs $0.00.

Fees and terms checked · Not financial advice

Klover Balance Advance · instant

$100 advance · repaid in 14 days · instant delivery

Membership none
Express fee up to $9.49
Tip $0.00
True cost$9.49
247%effective APR

9.49 ÷ 100.00 × (365 ÷ 14) × 100 = 247.4%

Klover Balance Advance · if you wait

$100 advance · repaid in 14 days · standard delivery

Membership none
Standard delivery (2–5 business days) $0.00
Tip $0.00
True cost$0.00
0%effective APR

0.00 ÷ 100.00 × (365 ÷ 14) × 100 = 0.0%

In our ranking of cash advance apps, that puts Klover at 6 of 14 by the cost of a $100 instant advance. See the full ranking or change the amount and dates in the calculator.

Every published price

Quoted from Klover’s own pages, checked November 8, 2026. Each line links to where it says so.

ChargePriceFrom Klover’s page
Membership not required A standard transfer is free. You do not need to pay an Express Fee, use points, or subscribe to Klover+ to receive a Balance Advance.joinklover.com
Express fee up to $9.49 on $100 Expedited Balance Advance Fees: Balance Advance Amounts / Express Fees ... $100 Up to $9.49 ... These expedited fees are collected at the time of repayment of the advance.joinklover.com
Express fee in Indiana up to $4.99 on $100 Pricing - Indiana. Last updated October 29, 2026 ... $100 Up to $4.99joinklover.com
Express fee in Wisconsin up to $7.49 on $100 Pricing - Wisconsin. Last updated October 29, 2026 ... $100 Up to $7.49joinklover.com
Standard delivery (2–5 business days) $0.00 Standard transfer, at no cost. We send the Balance Advance to your Bank Account through the Automated Clearing House (ACH) network. Standard transfers usually arrive within two to five business days.joinklover.com
Tips not taken Klover earns revenue through express fees for expedited transfers and through Klover+ memberships.joinklover.com
Klover+ subscription (optional) $4.99 Klover+ Monthly Subscription Fee: $4.99joinklover.com
Late fee $0.00 The best part? There is zero interest or late fees. Like, legit zero-zero.joinklover.com

Plans

PlanPer monthNote (from Klover’s pages)
Klover (no membership)$0.00Advances available without Klover+ per Terms section 6.2.
Klover+$4.99Optional. 'Klover+ Monthly Subscription Fee: $4.99' (pricing page). Adds Budget Tools and credit monitoring; 30-day free trial on account creation (Klover+ page).

What other amounts cost

Repaid in 14 days, with any membership counted for one month. Small advances cost the most per dollar: a fee that doesn’t shrink with the amount weighs more on $25 than on $200. Blank cells mean Klover doesn’t publish that price.

AdvanceInstantAPRIf you waitAPR
$25.00 $3.99 416% $0.00 0%
$50.00 $5.99 312% $0.00 0%
$100.00 $9.49 247% $0.00 0%
$150.00 $12.49 217% $0.00 0%
$200.00 $15.25 199% $0.00 0%
$300.00 $19.99 174% $0.00 0%
$500.00 $28.49 149% $0.00 0%

Limits, eligibility and repayment

Maximum
$750.00 If you are an eligible user, you may request to receive a Balance Advance of up to $750 in your Bank Account at any time by logging into your Klover Account. joinklover.com
To start
Most cash advances start smaller, usually between $25 and $750, with the average around $170. Your limit depends on your income and account activity. joinklover.com
Who can get it
A linked bank account; Proof of income through direct deposits; Recent, consistent pay activity... Once you’ve had three consistent direct deposits from your employer, you’ll qualify for an advance. joinklover.com
Credit check
No, per its own pages We don’t have minimum credit score requirements, and we don’t run credit checks. So, your score won’t be affected. joinklover.com
Repayment
We may charge your Bank Account or debit card for the amount of a Balance Advance, including fees, any time after the later of: (1) a date on which we see evidence of income... or (2) the date selected by you. Klover is a non-recourse product. joinklover.com
Interest
We don’t run a credit check, and you won’t pay interest or late fees — ever. joinklover.com
States
Express Fee amounts and payment options vary in some states. Indiana and Wisconsin have separate pricing pages. Users in Connecticut and Maryland may access Klover’s Services, but do not have access to paying Express Fees. joinklover.com
Bank connection
Plaid At this time, Plaid is the only method available to link your bank account to Klover. joinklover.zendesk.com
Works with Chime
Yes (in a blog post on its own site) Top cash advance apps that work with Chime App Cash advance limit Speed of fund access Fee-free option available Klover $400 Three business days Same-day, for a fee Yes joinklover.com
Works with Cash App
Listed as not supported We do not support prepaid cards or digital wallets (e.g., GreenDot, AMEX, Venmo, CashApp, Zelle, Metabank, NetSpend, Robinhood, PayPal, etc.). joinklover.zendesk.com

Worth knowing

  • Klover’s price table says “up to”: $9.49 is the most it can charge for $100, and the app may show less.
  • Klover lists express prices only for set amounts ($25, $40, $50, $75, $100…); other amounts aren’t published.
  • Residents of Connecticut and Maryland can’t pay for express delivery.

Regulatory actions

Our check of official sources (the FTC, the CFPB, the Department of Justice, state attorneys general and regulators) turned up no action about Klover’s advances as of November 8, 2026. If you know of one, please tell us.

Close to Klover on cost

MoneyLion Instacash

$7.50 · 196% APR

Tilt Cash Advance (formerly Empower)

$8.00 · 209% APR

Dave ExtraCash

$10.00 · 261% APR

Grid Cash Advance

$12.99 · 339% APR

Sources for this page

How costs are calculated, what is left out and how to send a correction: methodology.

Cite this page

Best Cash Advance Apps. "Klover Balance Advance: the true cost of a $100 advance." Updated November 8, 2026. https://bestcashadvanceapps.com/apps/klover/