Limited offer! Sign up with code KOHONBA75 and get $75 to

Get a cash advance of up to $250

There are some things you just don’t see coming. Hey, life happens, but we’ve got you with Cover, KOHO’s interest-free cash advance.

Get Cover
KOHO Cover

Expecting the unexpected just got easier

Sign up to Cover for as little as $2 a month and get a cash advance right away, then over time, you could unlock as much as $250!

Zero Interest

No matter how much we spot you, we’ll never charge you interest. One financial emergency is enough, right?

Guaranteed Cover

There’s no application process, no credit checks, no jumping through hoops fire, and no, it won’t affect your credit history.

Borrow up to $250

Regular on-time repayments can help you unlock even more cash over time.

Easy Access

Get in-app access to your funds right away, or withdraw it from an ATM, whatever floats your emergency boat.

How does Cover work?

Sign up, get a cash advance, pay a monthly fee, rest a little easier knowing you’re sorted for emergencies.

If you don’t already have one, get a KOHO account, then sign up for Cover.

You’ll get a cash advance from $20 up to $250, based on your eligibility.

Once you subscribe to Cover, you can easily access your cash advance funds right away in-app or withdraw it from an ATM.

KOHO Overdraft Protection
KOHOMost Cash Advance AppsMost Cash Lenders
Interest0% APR0% APRAbove 0% APR
Repayment cycleAnytimeNext PaydayNext Payday
Credit checkNoYesYes
AccessInstantUp to 24 hrs24hrs +
Source of incomeNoYesYes


A cash advance gives you instant access to funds to cover emergency expenses, or unexpected purchases, like a car repair, or a pet emergency. Typically, you need to repay the funds by a set date. Most cash advances charge interest, but with Cover, you’ll never have to pay interest.

Nope, the Cover cash advance won’t have any impact on your credit score. So that’s one less thing to worry about!

Because you’re not paying any interest on your cash advance with Cover, you won’t rack up any additional debt. Once you pay your monthly subscription fee on time and repay the full amount, you’ll have no debt to worry about.

The main difference between a loan and a cash advances is their purpose. Loans are generally taken out for larger or more long-term financing necessities, like paying college fees or buying a vehicle. A cash advance is typically designed for more short-term or emergency situations. Often cash advances have higher interest rates than a loan, but with Cover, you won’t have to pay any interest!

Everyone! All users who sign up for Cover will get instant access to funds starting as low as $2! Over time, you can unlock a higher rate.

If you are eligible to increase your Cover amount, we’ll let you know. There are some things you can do to increase the likelihood of a higher Cover limit: continue to make use of KOHO for everyday spending, and repay your monthly Cover fees on time. Using other KOHO features like Credit Building, and paying bills from your account can help too. Good things come to those who wait.

KOHO Cover fee starts as low as $2 and varies based on the amount of the cash advance among other factors, visit the KOHO app to know more!


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