The 10 Best Cash Advance Apps Like Klover

Klover is a financial app that offers interest-free cash advances of up to $200 without requiring credit checks.

Klover's key features include:

• Points Program: Earn credits through surveys, ads, and referrals to increase advance amounts or waive instant funding fees
• Instant funding: $1.99-$8.99 fee for same-day transfers (waivable with points)
• Budgeting tools: Available through a $4.99/month Klover+ subscription

However, if you want lower fees or higher limits, our list will help you compare and contrast the best alternatives at your disposal.

In this guide, we delve into the 10 cash advance apps like Klover in the United States for 2025, including Current, Brigit, and Vola.

Summary of Top 10 Instant Cash Advance Apps Like Klover

Here are our recommendations for the best cash advance apps in 2025:

1. Current Overdrive — Overdrafts with no fees; with spending rewards
2. Brigit Instant Cash — Great for building credit history and budgeting
3. Empower Cash Advance — Trustworthy and secure cash advance app
4. Vola Instant Advance — Instant cash advances without an express fee
5. Dave ExtraCash™ — Offers large cash advance of $500
6. EarnIn Cash Out — Highest advance of $750 with repayment flexibility
7. Albert Instant — Expensive payday advance app
8. Varo Advance — Good for current Varo account holders
9. MoneyLion Instacash — Multi-use finance platform
10. SoLo Funds Community Loans — Marketplace for small loans

10 Best Instant Cash Advance Apps Like Klover

To qualify for Klover cash advances, you'll need to verify employment by demonstrating three or more consistent direct deposits from an employer. While bank account linking occurs instantly, debit card verification may take up to three days.

Klover does not support income from self-employment and focuses on credit monitoring rather than active credit-building features like those found in competing apps.

Now that we know the basics of how Klover works, let's have a look at the best cash advance app alternatives to Klover.

All of the instant cash advance apps reviewed in this guide partner with FDIC Member banks.

Current Overdrive

Current offers the Overdrive™ feature, granting access to up to $200 without incurring overdraft fees. To be eligible, you must receive $500 or more in qualifying deposits into your current account within the past 30 days:

• Advance amount: Between $25 to $200
• Processing time: Immediate
• Repayment date: Within 60 days.
• Membership fee: None

Beyond its borrowing feature, Current boasts saving pods with competitive APY rates, a credit builder card, and the opportunity to receive your salary up to two days earlier.

Current offers a points program for spending at participating merchants, and it doesn't impose any monthly fees. Additionally, Current presents a robust network of 40,000 fee-free ATMs and the convenience of depositing paper checks.

More info: read our in-depth Current review or visit the Current website
FDIC-insured parter: Choice Financial Group, Member FDIC

Brigit Instant Cash

Brigit's Instant Cash feature offers a $250 cash advance for qualifying Plus members. Brigit offers a free plan, which comes with financial planning tools to monitor spending and a marketplace for opportunities to earn extra income. Only Plus members can access Brigit's cash advances, fee-free overdrafts, and credit builder. If you often find yourself losing money to overdraft fees from your main bank, Brigit may be the right app for you.

• Advance amount: Up to $250
• Processing time: 2-3 banking days. Instant feature expedites the process for $0.99-$3.99
• Repayment date: Flexible due date that aligns with income schedule
• Membership fee: $9.99 per month for Plus

Brigit works by integrating with your primary bank accounts. As long as it can confirm that your account has been active for at least 60 days, has a balance above $0, and has 3 recurring deposits from the same source, you may be approved for a cash advance.

One great aspect about Brigit is that it is open to US residents, not just US citizens. If you are an immigrant with US residency, Brigit may the most accessible option on this list. Like Chime® and Dave, you'll get access to a catalog of side gigs that you can choose from to get some extra income.

More info: read our Brigit comparison guide or visit the Brigit website
FDIC-insured parter: Coastal Community Bank, Member FDIC

Empower Cash Advance

Empower provides you with cash advances by linking your primary bank account via Plaid. Empower then determines your eligibility for a cash advance by reviewing your transaction history and a consistent source of income. Cash Advance offers range between $10 - $250.

• Advance amount: Up to $250 per pay period
• Processing time: 2-5 banking days. "Instant" delivery for $1.00-$8.00
• Repayment date: Empower sets a flexible date within the app
• Membership fee: $8

Empower sets a repayment date, which you will be able to review before taking the cash advance. If you do not pay on time, you will be able to re-set the date, and Empower will not charge late fees or interest.

More info: visit the Empower website
FDIC-insured parter: nbkc bank, Member FDIC

Vola Instant Advance

Vola offers advances if your account with them is more than 3 months old, has activity on most days of the week, and has an average balance of over $150. It runs on a transparent subscription fee of $1.99 per month.

• Advance amount: Up to $500
• Processing time: Within 5 business hours. No instant transfer fees.
• Repayment date: Select your own date, within 15 to 30 days.
• Membership fee: $1.99

In addition to its borrowing feature, Varo offers a credit builder card and a checking account without a monthly maintenance fee. Unlike MoneyLion, Varo sets itself apart by not imposing a monthly subscription fee. While no interest fee is charged, a fixed fee of between 6% to 8% will accompany every cash advance exceeding $20.

Perhaps the best perk of Vola is that it does not charge extra fees for its instant fees. If you request a cash advance by bank transfer, then you should receive it within 5 business hours. If you request it to your debit card, then the transfer should be instant — again with no instant or express fee.

In addition, the app comes with tools to build credit scores by reporting eligible payments like rent and utilities.

More info: visit the Vola website
FDIC-insured parter: Not specified

Dave ExtraCash™

Dave members can use the ExtraCash™ service to get a $500 cash advance transferred immediately to your account, also free of interest charges or late fees. You can spend the money on anything you need, from gas to groceries to rent. A minor downside is that Dave charges a $1 monthly membership.

• Advance amount: Up to $500 per pay period
• Processing time: 2-3 banking days. Instant feature expedites the process for $0.99-$3.99
• Repayment date: Your next payday
• Membership fee: $1 per month

You should have at least three regular deposits to be eligible. You can enhance your eligibility when you link your bank and have a 60-day account history of positive balances. A consistent income history and responsible spending habits will also improve your profile. You can increase your advances by having a total monthly deposit of $1,000 or more.

Like other apps on this list, Dave offers a function to get paid up to two days earlier than your traditional bank if you set up a qualifying direct deposit. Like Chime® and Brigit, you'll access a large portfolio of businesses that offer gig work for you to earn a side hustle.

Dave's express fee for sending cash advances to the Spending account ranges from $1.99 to $9.99, depending on the size of your advance. You can also send the cash advance to an external debit card within 1 hour. These card transfer fees cost a little more, ranging from $2.99 to $13.99.

More info: read our Dave comparison guide or visit the Dave website
FDIC-insured parter: Evolve Bank & Trust, Member FDIC

Varo Advance

Varo introduces the "Advance" feature, accessible to those with a minimum of $1,000 in qualifying direct deposits to their Varo Bank Account. Varo does charge flat fees for borrowing anything above that. The fees go from $1.60 to $40, depending on the size of the advance.

• Advance amount: Between $20 - $500
• Processing time: Immediate
• Repayment date: Select your own date, within 15 to 30 days.
• Membership fee: None

In addition to its borrowing feature, Varo offers a credit builder card and a checking account without a monthly maintenance fee. While no interest fee is charged, a fixed fee of between 6% to 8% will accompany every cash advance exceeding $20. It also has a feature to get you paid up to two days earlier.

Unique compared to other cash advance apps on this list, Varo is a duly-licensed bank in the United States and a Member FDIC.

More info: visit the Varo website
FDIC-insured parter: Varo Bank, NA, Member FDIC

EarnIn Cash Out

EarnIn has their "Cash Out" feature, which allows you to access up to $750 per month of your pay early (eligibility based on your hourly wage), with a daily limit of $100. To access this feature, you must verify your income and employment. If you have a consistent source of income, EarnIn can help you spread out access to your paycheck throughout the whole month.

• Advance amount: Up to $750 per pay period
• Processing time: 1-2 banking days. "Lightning Speed" feature expedites the process for $0.99-$3.99
• Repayment date: Your next payday
• Membership fee: None

Instead of transferring funds to your main bank, you can also use their EarnIn Card, a Visa contactless card. This card enables immediate access to your earnings, allowing you to spend up to $1,500 per day. You can also take a no-fee cash advance of up to $300 per day from an ATM using the card.

EarnIn also offers a credit monitoring feature at no cost. Notably, this service doesn't involve hard or soft credit pulls, ensuring that your credit score won't be affected. Unlike some others, EarnIn does not offer features like savings, rewards, roundups, or cash back.

More info: read our EarnIn comparison guide or visit the EarnIn website
FDIC-insured parter: Evolve Bank & Trust, Member FDIC

Albert Instant

Albert is another app that provides access to cash advances of up to $250. To qualify, establish a direct deposit setup and offer evidence of steady income for at least the past 60 days from the same employer. Similar to the other cash advance apps, Albert's "Instant" feature doesn't impose interest or late fees. You're allowed up to three cash advances during each pay period, with the total capped at $250.

• Advance amount: Up to $250
• Processing time: 2-3 days, or instant loans for a small fee
• Repayment date: Your next payday
• Membership fee: None (Genius plan is $21.99 per month)

Albert offers an optional premium membership known as "Genius," which costs $179.88 per year. This subscription unlocks additional features, including investment options.

In our opinion, Albert's additional features do not greatly differ from those you'd find in Chime®, Revolut, or Dave. It's also worth noting that when you create an account with Albert, you will be automatically enrolled in the Genius free trial, which must be canceled after 30 days if you do not want to pay the full year's membership fee.

More info: visit the Albert website
FDIC-insured parter: Sutton Bank, Member FDIC

MoneyLion Instacash

You can qualify for Instacash in two ways. You can either link you bank account to MoneyLion with their built-in system. Or, you can sign up for a "RoarMoney" MoneyLion mobile banking account. The more regular direct deposits you receive in your checking account, and the larger the dollar amount, the more Instacash you will qualify for.

• Advance amount: $25 to $500
• Processing time: 1-5 banking days. Instant feature expedites the process for $0.49-$8.99
• Repayment date: Set in-app, deferrable up to 2 weeks
• Membership fee: $1.00 per month

If you open an account with MoneyLion, then you will receive your funds more quickly. You'll also gain eligibility to borrow up to $1,000. Customers who only use MoneyLion through a linked bank account will be eligible for up to $500. There's no interest and no credit check.

More info: Compare payday apps or visit the website
FDIC-insured parter: Pathward, National Association, Member FDIC

SoLo Funds

SoLo Funds is a lending marketplace that is operated by other members. You can either request a loan for specific needs such as car repair, utilities, etc., and list your reasons. Or, you can offer to lend money to others in the community (and earn tips). The amount you can request ranges from $20 to $575.

• Loan amount: $20 to $575
• Processing time: Within 20 minutes once the loan is accepted. No instant funding fee.
• Repayment date: Varies by loan. You can set the date, and the lender will accept it.
• Membership fee: None

Your loan request will be live on the marketplace for 3 days. If no one accepts the loan within this period, it will be deleted.

If you miss your repayment date, a late fee of 10% of the principal will be added to your payment on the 35th day the start date. The entire late fee goes to the lending member. You'll also pay a third-party transaction fee of 2 x (0.9% of the principal + $0.70).

More info: read our money borrowing comparison guide or visit the website.
FDIC-insured parter: Bangor Savings Bank, Member FDIC.