We took a look at the Klover “cash advance” app because a reader asked about it, you should probably beware

Editors note: Klover as it is called is a finance app that as you might’ve guessed gifts people instant small cash loans in between pay checks. This month — a reader from Detroit Michigan asked us to take a look at the app and determine if it was okay to use after they had discovered that it seemed a tad spammy. Our social media team did in fact take look and we have determined that you should probably avoid the app wholeheartedly.

As an app, the app is eerily similar to that of Earnin and so on. The concept of the app is to “float” people small amounts of money which are automatically debited upon repayment dates set automatically at the time of the initial loan. The problem with the Klover App, (aka Klover Financial) is that it does not actually tell you that your ability to get a “boost” is contingent on actually completing very spammy “special offers” that seem like pages straight out of the Publishers Clearing House playbook.

For example, your ability to get “boosts” as they’re called from the app relies heavily on one’s interest in doing otherwise spammy surveys that are bound to overload your inbox one way or another. Though we found that many of the “special offer” surveys don’t actually credit you the so-called points promised but still manage to take your information and collect your data.

At no time are users permitted to get “boosts” without completing the otherwise “offers” some that offer barely any points to actually fulfill the entire reason for getting the app in the first place. For this reason, we give the app absolutely 1 star because this defeats the purpose of one actually signing up for Klover considering there are a number of roadblocks to actually successfully using the app for its intended reason.

Usability rating: 1/2 star

App rating: 1 star

Final comments: avoid. The app although well intended and does make it very easy to get your first “advance” it is nearly impossible to do it a second time without feeling like you just stepped into circa 2008 and those really obnoxious Publishers Clearing House ads came in the mail.