Updated September 30, 2026 · BorrowCue Editorial Team
Klover vs MoneyLion
What sets them apart
| Compare |  Klover |  MoneyLion |
|---|---|---|
| Loan amount | $25 to $750Higher | up to $500 |
| Arrangement fee | Standard free, express fee up to $37.49 | $0 (no origination or monthly fee on Instacash; optional tip $0 and up and optional Turbo delivery fee $0.49-$8.99) |
| Funding time | Minutes with express, 1-2 days standard | Within minutes with optional Turbo delivery fee, or 1-5 business days at no cost |
| Lender type | Direct lender | Marketplace |
| Eligibility | US resident of legal age | Legal resident of the United States, at least 18 years old (age of majority in state of residence); service availability varies by state |
| Loan types | Cash advance | Personal, Debt consolidation, Cash advanceCovers more |
| APR | Not confirmed | 0% |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Not confirmed | Home improvement |
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
- MoneyLion scores higher overall: 9.1 vs 8.6.
- Loan amount is higher at Klover: $25 to $750 vs up to $500.
- Support channels: only MoneyLion offers Phone, Community.
- Loan types: only MoneyLion offers Personal, Debt consolidation.
Our verdict on each
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.
MoneyLion
MoneyLion suits US adults who need a cash advance without a credit check or a fee, and its 0% APR is the same whoever applies. The marketplace side widens the choice of loan, but lender set pricing and a up to $500 cap on the cash advance keep it out of reach for anything larger.
Score breakdown
| Area | Klover | MoneyLion |
|---|---|---|
| Cost | Not confirmed | 9.7Instacash is listed at an APR of 0%, and the cash advance carries an origination charge of 0% and no monthly fee. |
| Offer | 8.3Focused cash advance range shown by cash advance with standard free pricing. | 9.8Higher |
| Trust | 8.8HigherOperating history shown by 2019 with help via email and help centre. | 8.1 |
Where they rank in our lists
| Ranking | Klover | MoneyLion |
|---|---|---|
| Loans for bad credit | 73 of 275 | 121 of 275 |
| Cash advance apps | 4 of 53 | 15 of 53 |
Side by side, item by item
| Loan types | Klover | MoneyLion |
|---|---|---|
| Personal | No | Yes |
| Debt consolidation | No | Yes |
| Cash advance | Yes | Yes |
Every fact side by side
| Fact | Klover | MoneyLion |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Klover Holdings, Inc. | MoneyLion Technologies Inc. |
| Headquarters | Not confirmed | United States |
| Founded | 2019 | Not confirmed |
| Support channels | Email, Help centre | Phone, Email, Help centre, CommunityCovers more |
Where each stands against the rest
| Fact | Klover | MoneyLion | Median |
|---|---|---|---|
| APR | Not confirmed | 0%lowest quarter | 8.99% |
| Loan amount | $25 to $750lowest quarter | up to $500lowest quarter | $35,000 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 834 listed lenders.
Pros and cons
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.
MoneyLion
Pros
- The cash advance carries a credit check of none, so a poor credit file does not stop a draw.
- Money can land within minutes on the paid delivery route, and same day funding is among the features the brand is listed under.
- personal, debt consolidation and cash advance run through the same marketplace, which widens choice beyond a single funder.
Cons
- The 0% headline describes the cash advance only. Pricing on a personal loan or a consolidation loan comes from the partner lender inside the marketplace, so the figure does not carry over.
- A single draw is capped at up to $500, which leaves a home improvement project dependent on the marketplace side.
- The optional Turbo delivery fee sits on top of the 0% APR for anyone who wants the money within minutes.
Who each suits
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.
MoneyLion
Who it suits
- US adults who need a cash advance quickly and cannot pass a credit check.
- Borrowers with poor credit who want short term cash at an APR of 0%.
- People comfortable with a marketplace, where the funder behind the loan is set by the match rather than by the app.
Who should look elsewhere
- Anyone after a large home improvement loan. Monzo Flex quotes 10% to 23% on a personal loan, a different product from a up to $500 cash advance.
- Borrowers who want one lender and one published price. Monzo Flex shows 10% to 23% up front, while MoneyLion's personal loan pricing follows the marketplace.
- Borrowers in another market. Cashspace quotes PHP 12 to PHP 36 and Cashspace ES lends €100 to €5,000, and MoneyLion's service is limited to the United States.
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
MoneyLion
Current offer
Bonus
Shake 'N' Bank Cash Back Promotion: Cash back from $0.01, cap $500 per transaction, up to 5 shakes per month
MoneyLion member in good standing; qualified purchases of $10 or more in a single transaction with the MoneyLion Debit Mastercard or Spend Virtual Card; unlimited shakes with an active WOW membership
Source, checked September 26, 2026
Country by country
| Country | Klover | MoneyLion |
|---|---|---|
| United States | Yes | Yes |
Questions about each
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.
MoneyLion
What does a MoneyLion cash advance cost?+
The Instacash cash advance is listed at an APR of 0%, with an origination charge of 0% and no monthly fee. Two extras sit on top if you want them, an optional tip, which you can leave at free, and the optional Turbo delivery fee that comes with money within minutes. Nothing else is charged for the account.
Is there a credit check on the Instacash cash advance?+
The cash advance carries a credit check of none, so there is no file to pass before the money is released, which is the point for anyone whose credit is thin. The personal and debt consolidation side works differently, running through a marketplace where the partner lender sets its own requirements and MoneyLion is placed at poor.