Cleo AI: Cash Advance & Money

Cleo AI

About this app

An AI money coach you can actually talk to. Cleo helps 8+ million users budget, save, build credit, or get a cash advance in those low-balance moments.

AI MEETS MONEY

Cleo turns money stress into a simple chat, where you can ask questions and learn about your finances (like a human).

Want to know how much you spent on takeout last month? Just ask Cleo…she has thoughts.

GET UP TO A $250 CASH ADVANCE

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 2.72% APY

Grow your wealth with high-yield savings almost nine times higher than the national average.

AUTOPILOT

Automate your money moves with Autopilot. Get a custom roadmap to reach your financial destination that adjusts with daily spending, and offers tips and actions to keep you on track easily.

BUILD CREDIT (WITHOUT A CREDIT CARD)

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 and score coaching. $1 minimum deposit.

MONEY IQ

Money IQ is Cleo’s weekly quiz game that tests your knowledge about your own spending habits. Answer trivia questions correctly for a chance to win cash prizes up to $4K every week.

DEBT RESET

Cleo collects and organizes your debt into a single easy-to-use dashboard, tells you which payments to prioritize, and creates a plan to help you pay everything off on a sustainable timeline.

VOICE

You can now talk with Cleo through real-time, two-way voice conversations.

LEGAL STUFF

(1) Cash Advance is subject to eligibility. Amounts are based on accrued, unpaid income and range from $20-$250, and $20-$100 for first-time users. Amounts subject to change. Users can take a max disbursement of up to $170 per day. Same day transfers subject to express fees of $3.99-$14.99 based on amount. You may also request a Cash Advance without subscribing by contacting [e-mail]

(2) The interest rate on your account is 2.72% with an Annual Percentage Yield (APY) of 2.75%, effective as of 12/11/2025. Rate is variable and is subject to change after account opening. Fees may reduce earnings.

(3) Cleo Card issued by WebBank, Member FDIC. Subject to approval.

(4) Participation does not guarantee a prize. No purchase or subscription necessary, see sweepstakes rules for more information.

To qualify for Money IQ, you must have at least (1) bank account connected to the Cleo app with sufficient account activity to generate personalized finance questions. Not available in Rhode Island, see official rules for more information.

(5) Debt reset requires a paid subscription. The debt-free date is calculated based on user provisioned data, see Debt Reset within the Cleo app for more information. Actual results may vary.

(6) 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

App used to be decent, now it all just feels like a scam. I'm eligible for $300, but I can only take up to $100 per 24 hours, and if I want it quicker I have to pay the 8 dollar fee for each transaction. That's AFTER paying the monthly fee. Plus, the app has gotten so difficult to load lately. I haven't even been able to check anything on it at all today, I keep being told "there's been a problem". I think this app is on it's way out the door, and I'm deleting. There are way better options.

I went from $160 to $45 in 3 months. What is the deal with that!? I repaid it early-twice. Once on time. My finances have not changed. Considering the crazy fees for instant transfer and the increase in Cleo Plus(not cool!) it is not worth it. After I pay off this next advance, I am done! There is no excuse why an instant transfer is 7-8 dollars! It was already high, yet greed knows no limits,right? Also, the app is super glitchy now. I liked this app at first, but now I hate it!!

Surprised & impressed at how quick & easy it was for me to set up my account and request an advance. No credit check, not even a regular paycheck! All I had to do was link cleo to my chime account & give them access to my transaction history so they could verify that I do have money moving in & out of the account frequently. That was it! it does cost a little bit if you want the advance to hit your account immediately, otherwise there's no charge to get the advance if you can wait 2-3 days.

What’s new

Bug fixes & minor improvements. Watch this space.