What Do I Need to Qualify for a Klover Advance?
While meeting the following criteria can improve your chances, they are not guaranteed indicators of eligibility. These are some of the key factors we look for when reviewing advance requests:
✅ Basic Eligibility Criteria
3+ direct deposits from your employer in your checking account (within the last 60 days)
All 3 deposits must be from an employer (payroll names must match exactly on each deposit - no deposits from apps like DailyPay, Earnin, Brigit, etc. will count)
Deposit frequency must be consistent with no gaps in pay
Cash, transfers, or app deposits (Venmo, PayPal, CashApp) are not accepted as paychecks
Mobile/Check deposits are also not accepted
Your checking account must be active and in good standing for 90+ days (savings accounts are not accepted)
👉 Keep in mind: eligibility and advance amounts can and do change daily based on, but not limited to, your bank activity, deposit patterns, repayment history, as well as general account and risk checks.
Advance limits are not fixed or guaranteed.
📲 What Else Do I Need to Do?
To request an advance, you must complete your To-Do List in the app:
✅ Link your bank account
✅ Link your debit card
🛑 Can Support Approve or Adjust My Advance?
No. All advance decisions are made automatically based on your financial data.
Our Support Team cannot approve, override, or manually issue an advance.
🔒 Important Reminders
Eligibility is based on your individual financial profile
Not all users will qualify for an advance
Klover is only available in the U.S., and you must be physically located in the U.S. to use the app