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Comparison

Klover vs SoLo Funds

Klover lands on Skip, and SoLo Funds lands on Depends.

Klover

kloverapp.com

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.

Read the full report

Klover versus SoLo Funds
CompareKloverSoLo Funds
VerdictSkipDepends
Best forGig and hourly workers between paychecksBorrowers denied by banks needing small cash fast
Who it's not forAnyone needing reachable customer supportLenders expecting reliable returns . Reddit reports defaults
PrivacyNo known public vulnerabilities found in the sources reviewed; however currently returns a 404 page.11No confirmed public vulnerabilities found in the sources reviewed; a user-reported data leak circulates on Reddit, and Maryland regulators filed a case.
Support qualityUsers report support is unreachable; BBB complaintsThree support channels but active BBB complaints.
Public sentimentUsers like the fast free advances but widely complain about unreachable support and the points/fee mechanics.³Borrowers often like the fast cash, but Reddit lenders report defaults and fee complaints recur across BBB and Reddit.14
Biggest gotchaPoints/boost system gates bigger advances; instant transfers cost extra fees'Optional' tips average 10.4% on top of 17% cost . real borrowing cost exceeds the pitch13

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 SoLo Funds when

  • Borrowers denied by banks needing small cash fast
  • Sub-prime borrowers without credit cards
  • Small, short-term advances only

When SoLo Funds is not a fit

  • Lenders expecting reliable returns . Reddit reports defaults
  • Anyone who can get a credit card or credit-union loan
  • People needing large or long-term credit
  • Residents of states where it's unavailable (e.g. PA)

Sources

  1. Klover Cash Advance App Review . Bankratebankrate.com
    review
  2. Klover App Cash Advance: 2026 Review . NerdWalletnerdwallet.com
    review
  3. Klover Sucks . Reddit r/cashadvanceappsreddit.com
    review
  4. Klover . App Store Reviewsapps.apple.com
    review
  5. Klover Lawsuit Alleges APRs in Excess of 300 Percent . ClassAction.orgclassaction.org
    news
  6. Got a Cash Advance through Klover? . Labaton settlementlantern.labaton.com
    news
  7. Apps Like Klover: Alternatives . Finder (notes shutdown)finder.com
    news
  8. Klover . Official sitejoinklover.com
    official
  9. How Does Klover Work? . Official guidejoinklover.com
    official
  10. Klover Privacy Policyjoinklover.com
    official
  11. kloverapp.com/security (404)kloverapp.com
    security
  12. Klover iOS app CVE scan . Appaloosa Scoutscout.appaloosa.io
    security
  13. SoLo Funds pricing pagesolofunds.com
    official
  14. SoLo Funds Trustpilot pagetrustpilot.com
    review
  15. Company-cited Trustpilot blog postsolofunds.com
    official
  16. BBB complaints . SoLo Fundsbbb.org
    review