Klover
Depends
Confidence: Medium
Fine for hourly workers with steady direct deposit who need a small, interest-free advance under $750.
Comparison
Klover vs EarnIn
Klover and EarnIn both land on Depends.
EarnIn
Depends
Confidence: Medium
Reasonable occasional bridge for hourly workers with steady direct deposit who need small amounts before payday.
| Compare | Klover | EarnIn |
|---|---|---|
| Verdict | Depends | Depends |
| Best for | Hourly workers between paychecks | Hourly workers with steady direct deposit |
| Who it's not for | Anyone avoiding recurring subscription fees | Anyone already short every month . advances become a cycle |
| Privacy | No known public vulnerabilities found in the sources reviewed.⁹ | One known Nov 2025 breach: encrypted personal info inadvertently exposed; law-firm investigations ongoing. |
| Support quality | 684 PissedConsumer reviews cite poor support | Chat support exists; quality unproven in sources |
| Public sentiment | App Store users rate it 4.8/5 across 384K ratings, but PissedConsumer reviews and Reddit threads cite poor customer service and strict advance limits.² | App-store and Trustpilot reviewers praise fast access to pay, while Reddit threads describe reliance cycles and legitimacy doubts. |
| Biggest gotcha | Support is chatbot and email first; escalation complaints are common in reviews | Optional tips pressured; regulators argue the model masks high-cost lending |
Pick Klover when
- Hourly workers between paychecks
- Small advances under $750
- No-credit-check borrowers
- Users with steady direct deposit
When Klover is not a fit
- Anyone avoiding recurring subscription fees
- People unwilling to trade personal data for advances
- Anyone needing large or true emergency loans
- Users who need fast, reliable customer support
Pick EarnIn when
- Hourly workers with steady direct deposit
- Occasional pre-payday cash gaps
- Retail and service workers
- People avoiding storefront payday lenders
When EarnIn is not a fit
- Anyone already short every month . advances become a cycle
- Privacy-sensitive users after the 2025 breach
- Anyone unwilling to grant bank and timesheet access
- Borrowers who cannot repay by payday . costs stack
Sources
- Klover - Cash Advance & Budget Tools for Everyonejoinklover.comofficial
review
- Klover - Instant Cash Advance - Google Playplay.google.comreview
- 684 Klover App Reviews - PissedConsumerklover-app.pissedconsumer.comreview
review
- Membership fees - Klover Help Centerjoinklover.zendesk.comofficial
- Consumer Federation testimony citing Kloverconsumerfed.orgnews
news
- Product security pagejoinklover.comsecurity
review
- Joinklover Reviews - Tenereteamjoinklover.tenereteam.comreview
- EarnIn homepageearnin.comofficial
- Cash Out product pageearnin.comofficial
- Lightning Speed feeshelp.earnin.comofficial
- EarnIn Products on G2g2.comreview
- Trustpilot reviewstrustpilot.comreview