Bad credit loans minus the bad luck.

Klovver is the new way to borrow money online without the bad luck that comes with having bad credit.

A+ Rating

Avg rating of 4.9 from more than 120k users.

Borrow up to $5,000 with bad credit using Klovver.

Don’t let bad credit stop you from getting the cash you need today. Klovver is the added luck you need to get fast cash with bad credit.

Higher chance of approval

89% higher chance of approval with bad credit compared to traditional personal loans.

Transparent interest rates

Get access to upfront rates and choose a loan offer that best meets your needs.

Same day cash

Get your cash deposited into your bank account or debit card as soon as the same business day.

How it works

Klovver makes it incredibly simple to get a loan offer from multiple direct lenders in just a few minutes.

Apply online in minutes

Complete our user-friendly form in minutes

Choose a loan offer

Choose a loan offer from multiple lenders

Get your cash today

Get your cash in your bank account today

Join the thousands that used Klovver to get cash with bad credit


I received great customer service from the specialists who helped me. I would recommend Klovver to anyone with bad credit.

Amy Kennedy

Borrowed $1,500


Very responsive and competent! I’ve never dealt with a bad credit lender this customer-friendly in my entire life.

Marcos Figuero

Borrowed $800


My experience with this platform so far has been great. Everything is easy, from signing the contract to getting my cash.

Emily Beth-Mason

Borrowed $4,000


I needed cash for an emergency and Klovver came through with the cash even though I had terrible credit! I can ‘t tell you how happy I am.

Travis Hill

Borrowed $2,350

Friendly customer support representatives

Bank-level encryption to protect your data

Ready to try your luck with Klovver?


Frequently Asked Questions

Common question our users have about bad  credit loans, our loan process, and the requirements to use our service.

What is a bad credit loan?

Bad credit loans are a form of short-term personal loans that are designed to provide you with temporary financial relief.

How much can I borrow through Klovver?

In general, you can borrow between $100 and $5,000.

How long does the process take?

It should only take a few minutes to complete our secure online form and receive a lending decision from one our partners.

What is the cost of a loan through Klovver?

There is no cost to use Klovver’s marketplace service. The actual cost of your loan may vary by lender or lending partner. 

How will I receive the loan money?

Once the lender approves your loan and you accept the loan terms, your loan will be deposited directly in your bank account, usually as soon as the same or next day.

Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.

This website is not an offer to lend. is not a lender or lending partner and does not make loan or credit decisions. connects interested persons with a lender or lending partner from its network of approved lenders and lending partners. does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. receives compensation from its lenders and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless,’s service is always free to you. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

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