Cleo: Budget & Cash Advance

Cleo AI

About this app

AI money coach you can actually talk to. Cleo helps 5+ million users budget, save, build credit, or get a cash advance in those low-balance moments.

AI MEETS MONEY

Cleo turns stressful money life into a simple chat, where you can ask questions and learn about your finances (without being bored to death).

Want to know how much you spent on takeout last month? Just ask Cleo… maybe this will be what finally gets you to stop overspending.

GET UP TO A $250 CASH ADVANCE (1)

Dump your overpriced overdraft and get a spot from Cleo instead. Cleo’s up to $250 cash advance has:

- No interest (APR)
- No credit checks
- No late fees
- No direct deposit required

SAVE WITH 4.11% APY

Grow your wealth with high-yield savings almost nine times higher than the national average. Think of it as the good kind of interest that accumulates on your savings.

Choose from four mindless Save Hacks: Set & Forget, Roundups, Smart Save, or Swear Jar—where Cleo fines you for spending at your guilty pleasure stores and adds the cash to your savings.

CHALLENGE YOUR SPENDING HABITS

Fix your spending relationship with a custom made challenge. Cleo won’t just tell you you need to cut back on eating out. She gets specific. She keeps your challenge on track by showing you money motivation… like you saved an extra $100 by not visiting Starbucks four times a week.

BUDGET WITHOUT FEELING RESTRICTED

Build a personalized budget (with room for iced coffee). Cleo uses Plaid to read your transaction history in a read-only mode. She can then show you all your accounts in one place, serve you spending breakdown, and share monthly bill trackers and reminders.

BUILD CREDIT (WITHOUT A CREDIT CARD) (3)

Glide your way to smoother approvals, lower interest rates, and higher credit limits with a credit score your parents can be proud of. Start building your credit with:

- 0% APR
- Cash advance
- Credit score coaching
- $1 minimum deposit

ACCESS YOUR PAYCHECK UP TO 2 DAYS EARLY (4)

Don’t wait until payday. Unlock your earnings early by setting up direct deposits.

LEGAL STUFF

(1) Subject to eligibility. Amounts range from $20-$250, and $20-$100 for first-time users. Amounts subject to change. Same day transfers subject to express fees.

(2) 4.11% Annual Percentage Yield (APY) as of 12/01/2023. Rates are variable and subject to change. Account fees may affect earnings. Cleo is not a bank, banking services provided by Thread Bank, Member FDIC.

(3) Credit Builder Card is issued by WebBank, Member FDIC pursuant to a license from Visa USA Inc. Access to the Card is subject to approval.

(4) Early access to direct deposit funds not guaranteed, timing may vary.

The Cleo Grow subscription service offers users savings goals, hacks, challenges, and access to an annual percentage yield (APY) on savings.

The Cleo Plus subscription offers saving goals, hacks, challenges, APY on savings, credit score insights, and access to cash advances if eligible.

The Cleo Credit Builder subscription offers saving goals, hacks, challenges, APY on savings, credit score insights, cash advances if eligible, credit history, and priority support.

Cleo is not affiliated with Credit Karma, Kikoff Credit Builder Loan, Experian Credit Check, Credit One, Credit Strong, Intuit Credit Karma, Albert, Earnin, Dave Bank, Brigit, Chime, Klover, loan apps, Money Lion, FloatMe Cash Advances, Empower, money apps, Cash Advance, Vola, Grid Money, Venmo, Beem, Line Credit, Rocket Money, Possible Finance, CashNetUSA, Rain Cash Advance, Branch paycheck loans, or Gerald payday credit loans app

Learn more about how we share and protect your data at meetcleo.com/page/privacy-policy

Ratings and reviews

Was going through a financial hardship when I last used the app. Logged back in and paid my last advance. Which was the only one I was able to get. Never able to get another one after that. But they happily took my money for a subscription TWICE. I made another account after just to see, linked my bank and it says I was eligible. Seems more like the "Algorithm" is bias or not as accurate as they make it seem

I love this app. It's easy to get a small loan and really helps track my spending so I know exactly where my money is going. It also has goal setting to help strengthen your finances. The savings option is great too! I never miss the money taken and put into savings and I'm shocked at how much I've saved! I also use the credit builder and my score has gone up by 8 points in one month. I definitely recommend this app!

I love this app. Cash advances without raping you in interest. Easy to get with same day deposit options. $50 cost me a repay at exactly $50. The only extra i paid was the instant transfer which was comperable to any of the other apps' instant transfer rate. Helps with budgiting as well! Give you a quick guide to how much is going out and how much is coming in. With features to set goals, monitor credit score and an AI freind to encourage you!

What's new

Bug fixes & minor improvements. Watch this space.