Klover
Skip
Confidence: Medium
Only worth it for a one-off small advance repaid instantly, since a class action alleging 300%+ APRs, a pending settlement, and shutdown reports outweigh a 4.7 rating.
New check
Comparison
Klover vs EarnIn
Klover lands on Skip, and EarnIn lands 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 | Skip | Depends |
| Best for | Gig and hourly workers between paychecks | Hourly workers with steady direct deposit |
| Who it's not for | Anyone needing reachable customer support | Anyone already short every month . advances become a cycle |
| Privacy | No known public vulnerabilities found in the sources reviewed; however currently returns a 404 page.11 | One known Nov 2025 breach: encrypted personal info inadvertently exposed; law-firm investigations ongoing. |
| Support quality | Users report support is unreachable; BBB complaints | Chat support exists; quality unproven in sources |
| Public sentiment | Users like the fast free advances but widely complain about unreachable support and the points/fee mechanics.³ | App-store and Trustpilot reviewers praise fast access to pay, while Reddit threads describe reliance cycles and legitimacy doubts. |
| Biggest gotcha | Points/boost system gates bigger advances; instant transfers cost extra fees | Optional tips pressured; regulators argue the model masks high-cost lending |
Pick Klover when
- Gig and hourly workers between paychecks
- Users avoiding overdraft fees
- Small one-off advances repaid immediately
When Klover is not a fit
- Anyone needing reachable customer support
- People who'd get trapped by points and instant-fee mechanics
- Businesses . it's a consumer-only app
- Borrowers needing recurring or larger loans
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 App Review . Bankratebankrate.comreview
- Klover App Cash Advance: 2026 Review . NerdWalletnerdwallet.comreview
- Klover Sucks . Reddit r/cashadvanceappsreddit.comreview
- Klover . App Store Reviewsapps.apple.comreview
news
- Got a Cash Advance through Klover? . Labaton settlementlantern.labaton.comnews
news
- Klover . Official sitejoinklover.comofficial
- How Does Klover Work? . Official guidejoinklover.comofficial
- Klover Privacy Policyjoinklover.comofficial
- kloverapp.com/security (404)kloverapp.comsecurity
- Klover iOS app CVE scan . Appaloosa Scoutscout.appaloosa.iosecurity
- EarnIn homepageearnin.comofficial
- Cash Out product pageearnin.comofficial
- Lightning Speed feeshelp.earnin.comofficial
- EarnIn Products on G2g2.comreview