Cleo: Budget & Cash Advance

4.4
68.4K reviews
1M+
Downloads
Content rating
Teen
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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 Cleoā€¦ 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. Cleoā€™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 Jarā€”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 wonā€™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 motivationā€¦ 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)

Donā€™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
Updated on
Jun 28, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 2 others
This app may collect these data types
Location, Personal info and 7 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.4
67.7K reviews
James Farris
June 26, 2024
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
4 people found this review helpful
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Cleo AI
June 30, 2024
Thank you for your feedback. Cleo would have likely picked up on the duplicate funding source and not allowed the advance. Cleo's algorithms are quite the mystery! Should you need any assistance, please reach out to CS via the App Chat (type in Human), or email us at team@meetcleo.com. Kindly, *Cleo*
Angela Kazel (Lola)
June 10, 2024
With some time you can build up your cash advance options to $250. They have options in case you can't pay it all back at once, too. Cash shows up immediately if you want it to(extra small fee for instant). It started me out at $20 for some time. Then gradually increased. Was a little frustrating at first that I couldn't get more, but after borrowing and repeating on time, I am at $250 now and can take whatever denomination I want.
63 people found this review helpful
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Cleo AI
June 18, 2024
Hi there Angela! We're so happy you're enjoying the app, if you ever run into trouble please reach out on team@meetcleo.com!
Dan Hicker
June 6, 2024
I like the service, but I hate the app. It freezes constantly and takes forever to accomplish anything. It took me several attempts to update my card info. I kept having to close and reopen the app and start over. I tried 2 different devices, and had the same results. So it's an app problem, not a problem with my phone. And this has happened on multiple occasions.
9 people found this review helpful
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Cleo AI
June 18, 2024
Hi there Dan! Sorry you're running into that! Can you reach out to team@meetcleo.com, and we'll be happy to look into whats slowing your down, just make sure to mention you're using two devices when you reach out!

What's new

Bug fixes & minor improvements. Watch this space.