Klover+ is an optional monthly membership (up to $9.99/month) that gives you access to financial tools designed to help you manage your money more effectively. It does not affect your ability to get cash advances — those are available without a membership.
With Klover+, you get access to:
Bill Manager – track upcoming bills and create budgets
Smart Spending – monitor your spending by category and compare with others
Credit Monitoring – view your daily credit score via Experian
Your membership helps support these tools, but it's not required to use the app or get advances.