Klover cash-advance & linked-account data API

Klover Holdings · Lending 4.6 ★

Klover - Instant Cash Advance is Klover Holdings' Android app for U.S. consumers seeking short-term cash between paychecks rather than a payday loan or bank overdraft. Members connect a checking account through Plaid, link a tokenized debit card and request a cash advance advertised up to $750 with no interest, late fees or credit checks. Surveys, video ads, a spin-the-wheel game and Kloverize barcode scans earn points that can increase the advance or cover transfer fees. Klover+ adds a bill manager, monthly spending and cash-flow views, and credit-score monitoring. Rated 4.6 stars from 175,047 Play reviews, it competes with Dave, Earnin, Brigit, MoneyLion and Albert in the U.S. cash-advance market.

Cash-versus-points eligibility connects underwrittenAdvanceAmount and maxCashAdvance with pointsForAdvance, hasSufficientPoints and isKloverPlusRequired. Linked-account records add institutionName, availableBalance, currentBalance and plaidAccountId, giving lending copilots a way to compare advance headroom with checking-account funds. Repayment records pair cashAdvanceId with confirmation totals such as totalPaybackAmount and scheduling inputs such as newRecoupDate; rewards reconciliation uses myPoints, balance and totalPointsUsed.

Bill-manager records contribute recurringExpensesAndDates and billManagerSummaryAvailableBalance, while monthly cash-flow views carry updateDate, inflows and outflows. These fields support authorized bank-link reconciliation, advance-headroom monitoring, repayment scheduling and points-for-fee accounting. openData Studio turns this combination into callable open data for those integrations.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Read cash-advance options

POST /v1/advance-quotes/preview openfinance

Loads eligible cash and points-for-advance options: underwrittenAdvanceAmount, maxCashAdvance, pointsForAdvance and isKloverPlusRequired for the amount-picker screen.

Auth: Firebase Auth ID token in Authorization: Bearer; App Check token in X-Firebase-AppCheck, with appCheckToken where required.

cashAdvanceOptions
cashBasedOptions
pointBasedOptions
cashBasedOptionId
pointBasedOptionId
underwrittenAdvanceAmount
underwrittenFeeAmount
maxCashAdvance
isKloverPlusRequired
kloverMembershipFee
pointsForAdvance
pointsAdvanceAmount
pointsForFee
pointsFeeAmount
hasSufficientPoints
isTransferPointsEligible
dollarPerPoints
maxPointsForFee
appCheckToken

POST /v1/advance-quotes/preview HTTP/1.1
Authorization: Bearer <example_firebase_id_token>
X-Firebase-AppCheck: <example_app_check_token>
Content-Type: application/json

{
  "appCheckToken": "<example_app_check_token>"
}

{
  "cashAdvanceOptions": {
    "cashBasedOptions": [
      {
        "cashBasedOptionId": "example_cash_150",
        "underwrittenAdvanceAmount": 150.0,
        "underwrittenFeeAmount": 5.99,
        "maxCashAdvance": 750.0,
        "isKloverPlusRequired": false,
        "kloverMembershipFee": 0.0
      }
    ],
    "pointBasedOptions": [
      {
        "pointBasedOptionId": "example_points_25",
        "pointsForAdvance": 2500,
        "pointsAdvanceAmount": 25.0,
        "pointsForFee": 600,
        "pointsFeeAmount": 5.99,
        "hasSufficientPoints": true,
        "isTransferPointsEligible": true,
        "dollarPerPoints": 0.01,
        "maxPointsForFee": 600
      }
    ]
  }
}

Read dashboard cash-advance card
POST /v1/member-panels/advance-status openfinance
Hydrates the home cash-advance card as a union: Qualified, Active, NotQualified, Defaulted, BankAccountNotLinked, TodoListNotComplete or Error.
Auth: Firebase Auth ID token in Authorization: Bearer; App Check token in X-Firebase-AppCheck, with appCheckToken where required.
- dashboardCashAdvanceCard
- cashAdvanceCard
- id
- appCheckToken
- CashAdvanceCardQualified
- CashAdvanceCardActive
- CashAdvanceCardNotQualified
- CashAdvanceCardDefaulted
- CashAdvanceCardBankAccountNotLinked
- CashAdvanceCardTodoListNotComplete
- CashAdvanceCardError
```
POST /v1/member-panels/advance-status HTTP/1.1
Authorization: Bearer <example_firebase_id_token>
X-Firebase-AppCheck: <example_app_check_token>
Content-Type: application/json

{
  "appCheckToken": "<example_app_check_token>"
}
```
```
{
  "dashboardCashAdvanceCard": {
    "id": "example_panel_01",
    "cashAdvanceCard": {
      "__typename": "CashAdvanceCardQualified",
      "id": "example_qualified_01"
    }
  }
}
```

Read primary Plaid checking account

POST /v1/linked-accounts/primary-view openbanking

Reads the signed-in member's primary linked checking account: institutionName, availableBalance, currentBalance and plaidAccountId.

Auth: Firebase Auth ID token in Authorization: Bearer; App Check token in X-Firebase-AppCheck, with appCheckToken where required.

primaryPlaidAccount
institutionName
institutionLogo
accountName
accountType
availableBalance
currentBalance
plaidAccountId
id

POST /v1/linked-accounts/primary-view HTTP/1.1
Authorization: Bearer <example_firebase_id_token>
X-Firebase-AppCheck: <example_app_check_token>
Content-Type: application/json

{}

{
  "primaryPlaidAccount": {
    "id": "example_account_01",
    "institutionName": "Example Bank",
    "institutionLogo": "<example_institution_logo>",
    "accountName": "Checking ending 0000",
    "accountType": "depository",
    "availableBalance": 280.0,
    "currentBalance": 295.0,
    "plaidAccountId": "<example_plaid_account_id>"
  }
}

Mint Plaid Link token

POST /v1/bank-connections/session-token openbanking

Mints a Plaid Link linkToken using idempotencyToken so the bank-connect sheet can open.

Auth: Firebase Auth ID token in Authorization: Bearer; App Check token in X-Firebase-AppCheck, with appCheckToken where required.

plaidLinkToken
idempotencyToken
linkToken
requestId

POST /v1/bank-connections/session-token HTTP/1.1
Authorization: Bearer <example_firebase_id_token>
X-Firebase-AppCheck: <example_app_check_token>
Content-Type: application/json

{
  "idempotencyToken": "<example_idempotency_token>"
}

{
  "plaidLinkToken": {
    "linkToken": "<example_plaid_link_token>",
    "requestId": "example_request_01"
  }
}

Exchange Plaid public token
POST /v1/bank-connections/complete-link openbanking
Exchanges the Plaid Link publicToken for a stored Item so the primary account view can show institutionName and balances.
Auth: Firebase Auth ID token in Authorization: Bearer; App Check token in X-Firebase-AppCheck, with appCheckToken where required.
- exchangePlaidPublicToken
- publicToken
```
POST /v1/bank-connections/complete-link HTTP/1.1
Authorization: Bearer <example_firebase_id_token>
X-Firebase-AppCheck: <example_app_check_token>
Content-Type: application/json

{
  "publicToken": "<example_plaid_public_token>"
}
```
```
{
  "exchangePlaidPublicToken": {
    "__typename": "ExchangePlaidPublicTokenSuccess"
  }
}
```

Submit cash-advance application

POST /v1/advance-requests/submit-selection openfinance

Books the selected cashBasedOptionId and returns the refreshed dashboardCashAdvanceCard plus the remaining myPoints.balance.

Auth: Firebase Auth ID token in Authorization: Bearer; App Check token in X-Firebase-AppCheck, with appCheckToken where required.

submitCashAdvanceApplication
cashBasedOptionId
dashboardCashAdvanceCard
cashAdvanceCard
myPoints
balance

POST /v1/advance-requests/submit-selection HTTP/1.1
Authorization: Bearer <example_firebase_id_token>
X-Firebase-AppCheck: <example_app_check_token>
Content-Type: application/json

{
  "cashBasedOptionId": "example_cash_150"
}

{
  "submitCashAdvanceApplication": {
    "dashboardCashAdvanceCard": {
      "id": "example_panel_01",
      "cashAdvanceCard": {
        "__typename": "CashAdvanceCardActive"
      }
    },
    "myPoints": {
      "balance": 1800
    }
  }
}

Read cash-advance summary
POST /v1/advance-quotes/confirmation-view openfinance
Builds the confirmation screen for a cashBasedOptionId: totalPaybackAmount, feeTotalAmount, totalPointsUsed and any warningType.
Auth: Firebase Auth ID token in Authorization: Bearer; App Check token in X-Firebase-AppCheck, with appCheckToken where required.
- cashAdvanceSummary
- cashBasedOptionId
- totalPointsUsed
- totalPaybackAmount
- feeTotalAmount
- warningType
```
POST /v1/advance-quotes/confirmation-view HTTP/1.1
Authorization: Bearer <example_firebase_id_token>
X-Firebase-AppCheck: <example_app_check_token>
Content-Type: application/json

{
  "cashBasedOptionId": "example_cash_150"
}
```
```
{
  "cashAdvanceSummary": {
    "totalPointsUsed": 600,
    "totalPaybackAmount": 155.99,
    "feeTotalAmount": 5.99,
    "warningType": null
  }
}
```
Read cash-advance delivery options
POST /v1/advance-transfers/choice-list openfinance
Lists transfer rails for a cashBasedOptionId: deliveryType, deliveryFee, deliveryOptionId and advanceTotalAmount.
Auth: Firebase Auth ID token in Authorization: Bearer; App Check token in X-Firebase-AppCheck, with appCheckToken where required.
- cashAdvanceDeliveryOptions
- cashBasedOptionId
- deliveryType
- deliveryFee
- deliveryOptionId
- advanceTotalAmount
```
POST /v1/advance-transfers/choice-list HTTP/1.1
Authorization: Bearer <example_firebase_id_token>
X-Firebase-AppCheck: <example_app_check_token>
Content-Type: application/json

{
  "cashBasedOptionId": "example_cash_150"
}
```
```
{
  "cashAdvanceDeliveryOptions": {
    "deliveryType": "standard",
    "deliveryFee": 0.0,
    "deliveryOptionId": "example_standard_transfer",
    "advanceTotalAmount": 150.0
  }
}
```

Page past cash advances

POST /v1/advance-ledger/history-page openfinance

Pages cashAdvanceHistory with first/hasNext and returns each node's cashAdvanceId for the past-advances list.

Auth: Firebase Auth ID token in Authorization: Bearer; App Check token in X-Firebase-AppCheck, with appCheckToken where required.

cashAdvanceHistory
first
nodes
cashAdvanceId
pagingInfo
hasNext

POST /v1/advance-ledger/history-page HTTP/1.1
Authorization: Bearer <example_firebase_id_token>
X-Firebase-AppCheck: <example_app_check_token>
Content-Type: application/json

{
  "first": 20
}

{
  "cashAdvanceHistory": {
    "nodes": [
      {
        "cashAdvanceId": "example_advance_02"
      },
      {
        "cashAdvanceId": "example_advance_01"
      }
    ],
    "pagingInfo": {
      "hasNext": false
    }
  }
}

Set new recoup date
POST /v1/repayment-plans/change-date openfinance
Moves the outstanding advance's recoup to newRecoupDate from the pay-back-early / reschedule screen.
Auth: Firebase Auth ID token in Authorization: Bearer; App Check token in X-Firebase-AppCheck, with appCheckToken where required.
- setNewRecoupDate
- newRecoupDate
```
POST /v1/repayment-plans/change-date HTTP/1.1
Authorization: Bearer <example_firebase_id_token>
X-Firebase-AppCheck: <example_app_check_token>
Content-Type: application/json

{
  "newRecoupDate": "2026-11-20"
}
```
```
{
  "setNewRecoupDate": {
    "__typename": "SetNewRecoupDateSuccess"
  }
}
```
Submit debit-card VGS tokens
POST /v1/linked-cards/token-attachment openbanking
Posts the VGS debitCardNumberToken (PAN never raw) and refreshes todoList / todoListItems; companion unlink uses linkedDebitCardId, UI shows maskedCardNumber.
Auth: Firebase Auth ID token in Authorization: Bearer; App Check token in X-Firebase-AppCheck, with appCheckToken where required.
- submitDebitCardVgsTokens
- debitCardNumberToken
- todoList
- todoListItems
- maskedCardNumber
- linkedDebitCardId
```
POST /v1/linked-cards/token-attachment HTTP/1.1
Authorization: Bearer <example_firebase_id_token>
X-Firebase-AppCheck: <example_app_check_token>
Content-Type: application/json

{
  "debitCardNumberToken": "<example_vgs_card_token>"
}
```
```
{
  "submitDebitCardVgsTokens": {
    "todoList": {
      "todoListItems": [
        {
          "id": "example_card_link_complete"
        }
      ]
    }
  }
}
```

Read bill-manager details

POST /v1/bill-plans/overview openfinance

Loads Klover+ bill-manager rows: upcomingBills, recurringExpensesAndDates and billManagerSummaryAvailableBalance.

Auth: Firebase Auth ID token in Authorization: Bearer; App Check token in X-Firebase-AppCheck, with appCheckToken where required.

billManagerDetails
upcomingBills
recurringExpensesAndDates
billManagerSummaryAvailableBalance
id
url

POST /v1/bill-plans/overview HTTP/1.1
Authorization: Bearer <example_firebase_id_token>
X-Firebase-AppCheck: <example_app_check_token>
Content-Type: application/json

{}

{
  "billManagerDetails": {
    "id": "example_bill_plan_01",
    "upcomingBills": true,
    "recurringExpensesAndDates": [
      {
        "id": "example_recurring_bill_01"
      }
    ],
    "billManagerSummaryAvailableBalance": 280.0,
    "disclaimer": {
      "url": "<example_disclaimer_url>"
    }
  }
}

Read credit score
POST /v1/credit-insights/score-view openfinance
Reads the Klover+ credit tile: creditScore with success, error or unavailable states, arrayCreditReportUrl and sdkKeys.apiKey. Credit-report registration uses ssn.
Auth: Firebase Auth ID token in Authorization: Bearer; App Check token in X-Firebase-AppCheck, with appCheckToken where required.
- creditScore
- creditScoreResult
- arrayCreditReportUrl
- sdkKeys
- apiKey
- ssn
```
POST /v1/credit-insights/score-view HTTP/1.1
Authorization: Bearer <example_firebase_id_token>
X-Firebase-AppCheck: <example_app_check_token>
Content-Type: application/json

{}
```
```
{
  "creditScore": {
    "creditScore": 705
  },
  "arrayCreditReportUrl": {
    "arrayCreditReportUrl": "<example_credit_report_url>"
  },
  "sdkKeys": {
    "apiKey": "<example_embed_api_key>"
  }
}
```

Read points balance

POST /v1/reward-ledger/balance-page opendata

Reads myPoints.balance for the points tab and pages pointsHistory with pageSize (surveys, ads, spin-the-wheel, Kloverize).

Auth: Firebase Auth ID token in Authorization: Bearer; App Check token in X-Firebase-AppCheck, with appCheckToken where required.

myPoints
id
balance
pointsHistory
pageSize

POST /v1/reward-ledger/balance-page HTTP/1.1
Authorization: Bearer <example_firebase_id_token>
X-Firebase-AppCheck: <example_app_check_token>
Content-Type: application/json

{
  "pageSize": 20
}

{
  "myPoints": {
    "id": "example_points_01",
    "balance": 1800
  },
  "pointsHistory": {
    "pointsHistory": [
      {
        "id": "example_reward_entry_01"
      }
    ]
  }
}

Read monthly inflow outlook

POST /v1/cashflow-reports/monthly-view openfinance

Loads Klover+ cash-flow: monthlyInflowOutflow.updateDate with inflows/outflows, plus monthlySpend category pages.

Auth: Firebase Auth ID token in Authorization: Bearer; App Check token in X-Firebase-AppCheck, with appCheckToken where required.

monthlyInflowOutflow
updateDate
inflows
outflows
monthlySpend
pages
title
items
name

POST /v1/cashflow-reports/monthly-view HTTP/1.1
Authorization: Bearer <example_firebase_id_token>
X-Firebase-AppCheck: <example_app_check_token>
Content-Type: application/json

{}

{
  "monthlyInflowOutflow": {
    "monthlyInflowOutflow": {
      "updateDate": "2026-10-01",
      "inflows": 3400.0,
      "outflows": 2980.0
    }
  },
  "monthlySpend": {
    "pages": [
      {
        "title": "Housing",
        "items": [
          {
            "name": "Rent"
          }
        ]
      }
    ]
  }
}

Data categories

cash advances
bank balances
debit cards
bills
credit scores
points
cash flow

Where teams use this data

Cash-advance headroom monitor
A lending copilot watches underwrittenAdvanceAmount against maxCashAdvance and flags isKloverPlusRequired or hasSufficientPoints before the member taps submit.
Plaid bank-link reconciliation
An origination desk joins institutionName, availableBalance and currentBalance on the primary Plaid account with plaidAccountId so disbursement only fires against a live checking Item.
Recoup-date collections scheduler
A collections bot pages cashAdvanceHistory nodes by cashAdvanceId, reads totalPaybackAmount, and posts newRecoupDate when the member reschedules pay-back.
Points-for-fee underwriting
A rewards ledger subtracts totalPointsUsed / pointsForFee from myPoints.balance and records kloverMembershipFee when a Klover+ upsell sits on the option.

Frequently asked questions

Which cash-advance fields are included?

The illustrative models retain cashBasedOptions and pointBasedOptions, including underwrittenAdvanceAmount, underwrittenFeeAmount, maxCashAdvance, pointsForAdvance, pointsAdvanceAmount, hasSufficientPoints and isKloverPlusRequired. Confirmation totals include totalPaybackAmount, feeTotalAmount and totalPointsUsed.

What linked-bank information is represented?

The primary linked-account model includes institutionName, availableBalance, currentBalance, accountName, accountType and plaidAccountId. The linking flow uses idempotencyToken, linkToken and publicToken. These are member-specific records that require authorized access, not an anonymous bank-balance feed.

How should the authentication and request examples be read?

The examples use illustrative paths and mock values rather than live service addresses. They preserve the authentication pattern: a Firebase Auth ID token in Authorization: Bearer and an App Check token in X-Firebase-AppCheck; relevant operations also carry appCheckToken.

Are bills, credit scores and rewards represented too?

Klover+ bill-manager records include upcomingBills, recurringExpensesAndDates and billManagerSummaryAvailableBalance. The credit tile includes creditScore and report-display fields; registration uses ssn, which is not shown as a real value. Rewards models include myPoints.balance and paginated pointsHistory, while monthly views add inflows, outflows and categorized spending.

Apps similar to Klover - Instant Cash Advance

Dave — Dave ExtraCash advances up to $500 with no credit check, interest, or late fees after you link a bank, typically within minutes.
EarnIn — EarnIn Cash Out lets U.S. workers access wages already earned — up to $200 a day and $1,000 per pay period — with no mandatory fees and no interest.
Brigit — Brigit Instant Cash advances $25–$500 with no credit check and no late fees, with optional express delivery in about 20 minutes ($0.99–$5.99) and a monthly subscription you can opt out of.
MoneyLion — MoneyLion Instacash advances $10–$500 (up to $1,000 for some users) with no mandatory fees, free standard delivery in 1–5 business days, and optional instant Turbo delivery.
Tilt — Tilt Cash Advance sends $10–$500 with no interest, no late fees and no credit check, with optional instant delivery that may carry a fee.
Chime — Chime MyPay lets eligible Chime checking members draw $20–$500 per pay period with no mandatory fees, with free funding within 24 hours or instant delivery for $2–$5.
Current — Current Paycheck Advance lets eligible members who add a paycheck draw up to $1,000 against the next payday.
Albert — Albert Instant Advance offers eligible U.S. users cash advances of $25–$1,000 without requiring an Albert subscription, with limits subject to eligibility.

More Lending apps

Topics

Klover API
cash advance data
Klover advance eligibility
underwrittenAdvanceAmount
availableBalance
newRecoupDate
Plaid account data
pointsForAdvance
Klover Holdings

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Klover cash-advance & linked-account data API

Screenshots

API surface

Read cash-advance options

Read dashboard cash-advance card

Read primary Plaid checking account

Mint Plaid Link token

Exchange Plaid public token

Submit cash-advance application

Read cash-advance summary

Read cash-advance delivery options

Page past cash advances

Set new recoup date

Submit debit-card VGS tokens

Read bill-manager details

Read credit score

Read points balance

Read monthly inflow outlook

Data categories

Where teams use this data

Cash-advance headroom monitor

Plaid bank-link reconciliation

Recoup-date collections scheduler

Points-for-fee underwriting

Frequently asked questions

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Need this app's data API integrated?

Klover cash-advance & linked-account data API

Screenshots

API surface

Read cash-advance options

Read dashboard cash-advance card

Read primary Plaid checking account

Mint Plaid Link token

Exchange Plaid public token

Submit cash-advance application

Read cash-advance summary

Read cash-advance delivery options

Page past cash advances

Set new recoup date

Submit debit-card VGS tokens

Read bill-manager details

Read credit score

Read points balance

Read monthly inflow outlook

Data categories

Where teams use this data

Cash-advance headroom monitor

Plaid bank-link reconciliation

Recoup-date collections scheduler

Points-for-fee underwriting

Frequently asked questions

Related apps

Apps similar to Klover - Instant Cash Advance

More Lending apps

BAF Mobile - Cicilan Pinjaman

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Cleo AI: Cash Advance & Money

Topics

Need this app's data API integrated?