The Klover Cash Advance is a fintech account from Klover Cash Advance. The annual fee is May have subscription fee. The ongoing APR is 0% (interest-free advances). Rewards: Earn points for things like taking surveys and watching ads.. Typical credit limit: $200 - $750. Funding speed: Get a Klover advance –– up to $750 –– with no credit check. Loan terms: You can access up to $750 – even if your payday is 2 weeks away.. Requires consistent direct deposit history. Points system helps increase limits or cover fees. Interest-free advances.