# Klover: how AI models rank it, November 2026

Gane Index, November 2026 Edition. Named in 2 judge labels across 1 category by 2 of 14 models. Page: https://www.gane.ai/index/hr/vendors/klover

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| [Earned wage access](https://www.gane.ai/index/hr/rewards/earned-wage-access/index.md) | 0% | 60 | 50% | 2 |

## And against it

- "named in court cases where 16 out of 16 courts ruled they ARE credit products subject to lending laws" (Kimi K2, Earned wage access)

## By model

| Model | First choice | Alternative | Mention | Warning | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 0 | 0 | 0 | 0 | 0 |
| GPT-5.4 mini | 0 | 0 | 0 | 0 | 0 |
| Gemini 3.5 Flash | 0 | 0 | 0 | 0 | 0 |
| Perplexity Sonar | 0 | 0 | 0 | 0 | 0 |
| Grok 4.20 | 0 | 0 | 0 | 0 | 0 |
| Mistral Small | 0 | 0 | 0 | 0 | 0 |
| DeepSeek V4 Flash | 0 | 0 | 0 | 0 | 0 |
| Llama 4 Maverick | 0 | 0 | 0 | 0 | 0 |
| Qwen 3.7 Flash | 0 | 0 | 0 | 0 | 0 |
| Kimi K2 | 0 | 0 | 0 | 1 | 1 |
| GLM 4.7 FlashX | 0 | 0 | 0 | 0 | 0 |
| MiniMax M2.5 | 0 | 0 | 1 | 0 | 1 |
| GPT-6 Luna | 0 | 0 | 0 | 0 | 0 |
| Muse Glimmer 30B | 0 | 0 | 0 | 0 | 0 |

## Sources returned with these answers

The sites and pages cited by the answers that named Klover, from 4 of the 4 answers that named it (only the models that return a source list).

### Domains cited

- congress.gov: 2
- consumer.sc.gov: 2
- consumerfinanceinsights.com: 2
- corporatecomplianceinsights.com: 2
- federalregister.gov: 2
- files.consumerfinance.gov: 2
- kansascityfed.org: 2
- tax.thomsonreuters.com: 2
- aba.com: 1
- aeaweb.org: 1

### Pages cited

- http://congress.gov/crs-product/IF12727: 2
- https://corporatecomplianceinsights.com/earned-wage-access-popular-payroll-perk-employers-liability: 2
- https://federalregister.gov/documents/full_text/xml/2024/07/31/2024-16827.xml: 2
- https://files.consumerfinance.gov/f/documents/cfpb_earned-wage-access-advisory-opinion_2025-12.pdf: 2
- https://tax.thomsonreuters.com/news/cfpb-issues-advisory-opinion-clarifying-earned-wage-access-is-not-credit-under-tila: 2
- https://aba.com/advocacy/policy-analysis/letter-to-cfpb-on-earned-wage-access: 1
- https://aeaweb.org/conference/2026/program/powerpoint/h4t3dyDZ: 1
- https://americanbar.org/groups/business_law/resources/business-law-today/2021-march/earned-wage-access: 1

## Record

- Method: https://www.gane.ai/index/hr/methodology
- License: CC BY 4.0. Cite as Gane Index, November 2026 Edition, www.gane.ai/index/hr.