Updated September 30, 2026 · BorrowCue Editorial Team
Dave vs Klover
Where Dave and Klover differ
| Compare |  Dave |  Klover |
|---|---|---|
| Loan amount | $25 to $500 | $25 to $750Higher |
| Arrangement fee | Overdraft fee equal to the greater of $5 or 5% per ExtraCash overdraft; optional 1.5% fee for external debit card transfers | Standard free, express fee up to $37.49 |
| Funding time | Typically authorized within 5 minutes | Minutes with express, 1-2 days standard |
| Eligibility | US members with a Social Security Number and a linked bank account; must open an ExtraCash overdraft deposit account and a Dave Checking account; not all members qualify | US resident of legal age |
| APR | 0% | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 5% | Not confirmed |
Same on both: Credit check (None), Lender type (Direct lender), Loan types (Cash advance), Credit needed (Poor).
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Key differences
- Dave scores higher overall: 9.1 vs 8.6.
- Loan amount is higher at Klover: $25 to $750 vs $25 to $500.
- Support channels: only Dave offers Chat, Phone.
Our verdict on each
Dave
Dave suits US members who need a small advance with no credit check. ExtraCash overdrafts run $25 to $500 at an APR of 0%, typically authorised Typically authorized within 5 minutes. Each overdraft carries a fee set at the greater of a flat charge or 5% of the amount.
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 | Dave | Klover |
|---|---|---|
| Cost | 9.1APR of 0% keeps interest at nothing, but each overdraft costs the greater of a flat charge or 5% of the amount. | Not confirmed |
| Offer | 9.0Higher | 8.3Focused cash advance range shown by cash advance with standard free pricing. |
| Trust | 9.2Higher | 8.8Operating history shown by 2019 with help via email and help centre. |
Licences and countries
| Country | Dave | Klover |
|---|---|---|
| United States | Not confirmed |
Available in 1 country for both.
If neither fits
BriteCap Financial has loan amount at $5,000 to $1,000,000, against $25 to $500 for Dave and $25 to $750 for Klover.
BriteCap Financial reviewHow they place
| Ranking | Dave | Klover |
|---|---|---|
| Loans for bad credit | 114 of 275 | 73 of 275 |
| Cash advance apps | 13 of 53 | 4 of 53 |
Every fact side by side
| Fact | Dave | Klover |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Dave Operating LLC | Klover Holdings, Inc. |
| Headquarters | United States | Not confirmed |
| Founded | Not confirmed | 2019 |
| Support channels | Help centre, Chat, Phone, EmailCovers more | Email, Help centre |
Where each stands against the rest
| Fact | Dave | Klover | Median |
|---|---|---|---|
| APR | 0%lowest quarter | Not confirmed | 8.99% |
| Loan amount | $25 to $500lowest quarter | $25 to $750lowest quarter | $35,000 |
| Origination fee (%) | 5%highest quarter | Not confirmed | 0.25% |
Median across 834 listed lenders.
Pros and cons
Dave
Pros
- No credit check: the listed credit check is none, so a poor credit file is not the obstacle.
- An APR of 0%, so the cost is carried by the overdraft fee rather than interest.
- Same-day funding: same day funding, with authorisation typically Typically authorized within 5 minutes.
Cons
- Overdraft fee on every advance: the greater of a flat charge or 5% of each overdraft, plus an optional percentage fee on external debit card transfers.
- Approval is not automatic: eligibility needs a US Social Security Number, a linked bank account, an open ExtraCash overdraft account and a Dave Checking account.
- Advances stop at $25 to $500, well under the €346.97 typically borrowed in the bad-credit category.
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
Dave
Who it suits
- US members with poor credit who want an advance with no credit check.
- Members ready to bank through Dave, since the advance requires both an ExtraCash overdraft account and a Dave Checking account.
- Anyone covering a short gap, given the $25 to $500 limit.
Who should look elsewhere
- Creduma ES, for anyone borrowing a larger sum, since its amounts start at from €12,000.
- Cashspace, for members who prefer a stated APR of PHP 12 to PHP 36 over a fee-based overdraft.
- Sofkredit, for members who want a stated rate of 10.74% to 18.06% and a term loan rather than a cash advance.
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
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 | Dave | Klover |
|---|---|---|
| United States | Yes | Yes |
Questions about each
Dave
How much does an ExtraCash advance cost?+
The advance itself carries an APR of 0%, so the charge is the overdraft fee rather than interest. That fee is set at the greater of a flat amount or 5% of each overdraft, and an optional percentage fee also applies when the money is transferred to an external debit card.
How quickly does the money arrive?+
Authorisation is typically quick: Typically authorized within 5 minutes, and same day funding is listed among the product's features. The advance reaches the linked bank account and behaves like an overdraft, so the balance sits on the account until it is repaid rather than arriving with a separate bill.
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.