Updated September 30, 2026 · BorrowCue Editorial Team
Brigit vs Klover
Where Brigit and Klover differ
| Compare |  Brigit |  Klover |
|---|---|---|
| Loan amount | $25 to $500 | $25 to $750Higher |
| Arrangement fee | 0 (no origination fee; optional Express Delivery fee applies for Plus members) | Standard free, express fee up to $37.49 |
| Funding time | Standard delivery 1-3 business days free; Express Delivery within 20 minutes for a fee (free on Premium) | Minutes with express, 1-2 days standard |
| Lender type | Broker | Direct lender |
| Eligibility | US residents 18 years or older; checking account active 60+ days, balance above $0, at least three recurring deposits from the same source | US resident of legal age |
| Loan types | Payday, Cash advanceCovers more | Cash advance |
| APR | 0% | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
Same on both: Credit check (None), Credit needed (Poor).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Brigit scores higher overall: 8.8 vs 8.6.
- Founded is lower at Brigit: 2017 vs 2019.
- Loan amount is higher at Klover: $25 to $750 vs $25 to $500.
- Support channels: only Brigit offers Phone.
- Loan types: only Brigit offers Payday.
Our verdict on each
Brigit
Brigit suits US adults with poor credit and a bank account that already shows incoming deposits, and borrowing costs nothing: the annual rate is 0% and the arrangement fee is free. Money can arrive the same day, but sums are small at $25 to $500.
Klover
Klover suits US adults with poor credit seeking a small cash advance without a credit check. Advances of $25 to $750 keep the focus on short gaps in pay, with standard transfers free and express delivery available at added cost.
Score breakdown
| Area | Brigit | Klover |
|---|---|---|
| Cost | 9.5The rate is 0%, the arrangement fee is free, and early repayment is free; the only charge is paid Express Delivery on Plus. | Not confirmed |
| Offer | 8.7Higher | 8.3Focused cash advance range shown by cash advance with standard free pricing. |
| Trust | 8.3 | 8.8HigherOperating history shown by 2019 with help via email and help centre. |
Ranges side by side
| Fact | Brigit | Klover |
|---|---|---|
| Loan amount | $25 to $500 | $25 to $750 |
Which one suits you
Pick Brigit if offer and loan types matter most.
Pick Klover if trust and loan amount matter most.
How they place
| Ranking | Brigit | Klover |
|---|---|---|
| Loans for bad credit | 67 of 275 | 73 of 275 |
| Cash advance apps | 3 of 53 | 4 of 53 |
Sources behind this comparison
Brigit
- hellobrigit.com: 14 facts, checked September 26, 2026
- help.hellobrigit.com: 2 facts, checked September 26, 2026
Klover
- joinklover.com: 12 facts, checked September 30, 2026
Every fact side by side
| Fact | Brigit | Klover |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Bridge It, Inc. | Klover Holdings, Inc. |
| Headquarters | United States | Not confirmed |
| Founded | 2017Lower | 2019 |
| Support channels | Email, Phone, Help centreCovers more | Email, Help centre |
Where each stands against the rest
| Fact | Brigit | Klover | Median |
|---|---|---|---|
| APR | 0%lowest quarter | Not confirmed | 8.99% |
| Loan amount | $25 to $500lowest quarter | $25 to $750lowest quarter | $35,000 |
Median across 834 listed lenders.
Pros and cons
Brigit
Pros
- The annual rate is 0%, so the advance is free to take out and free to hold while you keep it.
- The credit check is none, so there is no bureau search to pass, and the rating needed is poor.
- Same day funding is a headline feature (same day funding), so an urgent bill does not have to wait for a full transfer cycle.
Cons
- The advance tops out at $25 to $500, so it will not stretch to a large bill or a consolidation.
- Eligibility is narrow: US residency, a minimum age, a checking account open for a waiting period, a balance above the minimum, and repeated deposits from the same source.
- Brigit is a broker, so the advance is placed by a partner lender rather than priced by Brigit itself.
Klover
Pros
- No credit check at none, which helps borrowers with poor credit histories avoid added searches.
- Standard transfers carry no added charge within fees of Standard free, express fee up to $37.49, keeping planned advances low cost.
- Express option with same day funding suits urgent gaps where standard bank timing would be too slow.
Cons
- Advance limits stay modest at $25 to $750, which suits gaps in pay rather than larger planned spend.
- Support runs on email and help centre only, which may feel limited for borrowers wanting phone help.
- Faster access carries cost since fees run Standard free, express fee up to $37.49, while standard transfers arrive later.
Who each suits
Brigit
Who it suits
- US adults with a poor credit history who want a free rate and will accept a small sum.
- Anyone who will not pay interest to hold a balance: alternatives such as Cashspace at PHP 12 to PHP 36 and Creditilia ES at 4% to 289% both cost money to carry.
- People whose checking account has been open a long time and receives the same deposits each month.
Who should look elsewhere
- Anyone chasing a large sum: the advance is capped at $25 to $500, so a bigger loan such as Andacredito at 0% to 36% may suit a larger bill.
- Readers without a steady deposit history, since the eligibility test is built on an account with recurring deposits rather than on a credit file.
- Borrowers who plan to carry a balance over a term, since Brigit's payday and cash advance products reward clearing the advance quickly.
Klover
Who it suits
- Adults in the US with poor credit seeking a small advance without a hard search.
- Borrowers able to wait for standard delivery or pay for faster funding when timing matters.
Who should look elsewhere
- Borrowers needing larger instalment loans should consider Ibancar Prestamos for higher limits rather than small advances.
- Borrowers wanting card credit should consider AXI Card Tarjeta y Credito for card based limits rather than app advances.
- Borrowers seeking broader European loan choice should consider Cashspace for its wider amount range.
Current offers
Brigit
Current offer
First period offer
Brigit Premium plan includes free Express Delivery on cash advances: $15.99/month plan, free Express Delivery
Premium membership; cancel anytime; not available in all states
Source, checked September 26, 2026
Klover
Current offer
Free trial
Klover+ 30-day free trial: 30 days free
When you first create a Klover account
Source, checked September 30, 2026
Country by country
| Country | Brigit | Klover |
|---|---|---|
| United States | Yes | Yes |
Questions about each
Brigit
What does a Brigit advance cost?+
The annual rate is 0%, so the advance is free to take out and free to hold. The arrangement fee is free as well, with no origination charge on the advance itself. The one optional cost is Express Delivery, which carries a fee for Plus members and is free on Premium accounts. Clearing the advance early costs nothing either.
Does Brigit run a credit check?+
The credit check is none, so there is no bureau search to pass, and the rating needed is poor. Approval leans on your bank account and its deposit history instead of on a credit file. For a borrower with a damaged score that is the point of the product rather than a shortcut.
Klover
How much can be borrowed from Klover?+
Klover lists advances of $25 to $750 for cash advance use. The structure suits small shortfalls rather than larger planned borrowing, and limits may rise with use and eligibility. Check the app for the current offer before relying on a particular sum.
Does Klover run a credit check?+
Klover states that there is no credit check, shown by none. That approach helps borrowers with poor credit histories seek a small advance. Approval still depends on eligibility and account checks, so acceptance is never assured.