What is the Klover app and how does it work?

The Klover app is a financial technology application that provides users with instant access to their earned wages before payday arrives, aiming to help them manage cash flow and avoid overdraft fees or high-interest loans. It works by connecting directly to a user's bank account and employment information to verify income and employment status. Once verified, Klover allows users to advance a portion of their earned income with zero interest. This service assists individuals who need immediate funds for emergency expenses or unexpected bills between paychecks. The app also offers financial tools and features such as budgeting, tracking spending, and delivering personalized insights to empower users with better financial management.