If you’re looking for a cash advance app, you’ve probably come across both Brigit and Klover. Both promise fast cash without credit checks, but which one is actually better for your needs?
The features, fees, and approval processes differ significantly between the two apps, and choosing the wrong one could cost you money or leave you without access to cash when you need it.
Lets quickly compare Brigit and Klover to help you decide which is better.
Is Brigit or Klover Better?
Here’s how they stack up:
Brigit: Monthly subscription ($8.99-$14.99), advances up to $250, no tips required, includes budgeting tools and credit monitoring.
Klover: Free to use, advances up to $200, operates on optional tips, earns points through activities, simpler interface.
The main difference? Brigit charges a subscription but offers more features and higher limits. Klover is free but has lower limits and a rewards system.
Which is better depends on what you value more: higher limits and comprehensive tools (Brigit) or no subscription fees (Klover).
Advance Amounts: Brigit wins
Brigit: Up to $250
Klover: Up to $200
Brigit offers $50 more in potential advances.
While $50 might not seem like a huge difference, it can matter during emergencies.
If your car repair costs $220, Klover won’t cover it but Brigit will.
However, not everyone qualifies for the maximum amount on either app—your actual limit depends on your Brigit score or Klover evaluation.
Winner: Brigit (higher maximum advance)
Cost: Klover Wins
Brigit: $8.99/month for Plus or $14.99/month for Premium
Klover: Free (operates on optional tips)
This is Klover’s biggest advantage—it’s completely free.
You don’t pay a monthly subscription, and tips are truly optional (though the app suggests them).
With Brigit, you’re paying $8.99-$14.99 every month whether you use advances or not.
If you only need an advance once every few months, Brigit’s subscription fees add up quickly.
Let’s do the math:
If you take one $150 advance every three months with Brigit, you’re paying $27-$45 in subscription fees for that single advance.
With Klover, that same advance costs you nothing (unless you choose to tip).
However, if you use advances multiple times per month, Brigit’s flat fee might actually be more economical than tipping on Klover several times.
Winner: Klover (no subscription fee)
Approval requirements:
Both apps have similar basic requirements:
Brigit: Account active for 60+ days, three recurring deposits from the same source, positive balance, Brigit score of 40-100.
Klover: Active checking account, verifiable income, positive account balance, acceptable Klover evaluation.
Neither checks your credit score, making both accessible to people with poor credit.
Both favor traditional employees with regular paychecks over gig workers with irregular income.
From what I’ve seen, approval rates are roughly similar—if you qualify for one, you’ll likely qualify for the other (though not guaranteed).
Winner: Tie (similar requirements)
Speed: Brigit Wins
Brigit: Express Delivery in about 20 minutes; Standard Delivery in 1-3 business days.
Klover: Instant delivery in minutes; Standard delivery in 1-4 business days.
Both offer instant delivery options, and both have similar speeds.
However, Brigit’s Express Delivery is slightly more reliable and consistent in my experience—you almost always get money within 20 minutes.
Klover’s instant delivery can sometimes take 30-45 minutes depending on various factors.
That said, the difference is minimal for most users.
Winner: Brigit (slightly more reliable instant delivery)
Features Beyond Cash Advances: Brigit Wins
Brigit: Budgeting tools, spending insights, overdraft alerts, credit monitoring, Credit Builder tool (Premium), identity theft protection.
Klover: Points rewards system, surveys to earn points, cash-back offers, simpler interface.
Brigit is clearly more comprehensive.
It’s designed to improve your overall financial health with budgeting tools, credit monitoring, and financial insights.
Klover focuses more on the rewards/points aspect, which some people enjoy but isn’t as valuable for serious financial management.
If you want an app that helps you budget and avoid financial problems, Brigit is better.
If you just want quick cash and don’t care about financial tools, Klover’s simplicity might appeal to you.
Winner: Brigit (more comprehensive financial tools)
User Experience: Klover Eins
Klover: Simple, straightforward interface. Request money, optionally tip, done.
Brigit: More complex with multiple features, tabs, and options. Can feel overwhelming if you just want cash.
Klover is easier to use if you want a no-frills experience.
Brigit’s additional features make the app more cluttered, which can be confusing for some users.
However, this is subjective—some people prefer Brigit’s comprehensive approach.
Winner: Klover (simpler interface)
Repayment: Tie
Both apps use automatic repayment:
Brigit: Automatically withdraws on your chosen repayment date (usually your next payday). Offers free extensions if you need more time.
Klover: Automatically withdraws on your repayment date. Limited extension options.
Brigit’s extension system is slightly more generous, but overall, repayment works similarly on both apps.
Winner: Tie (similar automatic repayment)
Customer Support: Brigit Wins
Brigit: In-app support, email support, generally responsive.
Klover: Limited customer support options, slower response times.
Based on user reviews, Brigit’s customer support is more reliable and responsive than Klover’s.
If you run into problems, you’re more likely to get help quickly with Brigit.
Winner: Brigit (better customer support)
Who Should Choose Brigit?
Brigit is better for you if:
You need advances regularly (multiple times per month). You want higher borrowing limits (up to $250).
You value budgeting tools and financial insights. You want credit monitoring and identity theft protection. You’re willing to pay a monthly fee for comprehensive features.
You need reliable, fast customer support.
Brigit makes sense for people who see it as a financial management tool, not just a quick cash source.
Who Should Choose Klover?
Klover is better for you if:
You rarely need advances (maybe once every few months). You don’t want to pay monthly subscription fees. You prefer a simple, no-frills app. You’re okay with lower borrowing limits (up to $200). You like earning points and rewards. You only need basic cash advance functionality.
Klover makes sense for occasional users who want free access to cash without ongoing costs.
My Recommendation
For most people, I’d recommend starting with Klover if you’re an infrequent borrower.
Why pay $8.99/month for Brigit if you only need an advance once every three months? With Klover, you’re not locked into any fees.
However, if you find yourself needing advances 2-3+ times per month, switch to Brigit.
The monthly subscription becomes worth it when you’re using the service regularly, plus you get access to better tools and higher limits.
You could also use both apps simultaneously—they don’t conflict with each other.
Keep Klover for occasional small needs and Brigit for when you need more substantial amounts or use advances frequently.
Can You Use Both Apps at the Same Time?
Yes, you can use both Brigit and Klover simultaneously.
They’re completely separate services that don’t interfere with each other.
Some people use this strategy to maximize their available cash:
Use Klover first (since it’s free) for smaller needs. Use Brigit when you need more than $200 or when Klover is maxed out. Switch between them based on which has better terms for your specific situation.
Just be careful not to overextend yourself with multiple advances from different apps—make sure you can repay all of them.
What Users Say
Brigit reviews: Users appreciate the financial tools, no interest charges, and transparent pricing. Common complaints are the monthly fee for infrequent users and wish for higher limits.
Klover reviews: Users love that it’s free and simple to use. Common complaints are lower advance limits, occasional delays with instant delivery, and limited customer support.
Both apps have generally positive reviews, with most complaints related to their respective trade-offs (Brigit’s fees vs. Klover’s lower limits).
Final Thoughts
Neither Brigit nor Klover is universally “better”—it depends on your specific needs.
Brigit is better if you need higher limits, use advances regularly, and want comprehensive financial tools. You’re paying for a more robust service.
Klover is better if you rarely need advances, want to avoid subscription fees, and prefer simplicity.
For most people, I’d suggest trying Klover first since it’s free. If you find yourself needing more than it offers, upgrade to Brigit.
You can also use both apps together to maximize your available cash during emergencies.
Note: Features and fees subject to change. Check each app’s current terms before signing up.