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Cleo: Budget & Cash Advance

Category: Finance Date:2024-02-18 10:39:01

Rating: 4.3 Tags: Tools

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Meet Cleo, the ultimate budgeting and cash advance app with an AI money coach that's ready to have a conversation with you. With over 5 million users, Cleo is here to make managing your finances easier and more enjoyable than ever before. Say goodbye to boring spreadsheets and hello to simple chat conversations where you can ask Cleo anything and get valuable insights into your spending habits. Worried about overspending? This app can help track your expenses and even offer a cash advance of up to $250 with no interest, credit checks, or late fees. Plus, Cleo's mindless savings tools make it effortless to stash away money without the stress. With personalized budgeting features, the app uses your transaction history to create a budget that fits your lifestyle, allowing you to save for that iced coffee fix guilt-free. And if building credit without a credit card seems impossible, Cleo's got you covered with credit score coaching and a Credit Builder Card that offers cash back and a 0% APR. With the app, you can even access your paycheck up to 2 days early by setting up direct deposits. So why wait? Download now and take control of your finances with ease.

Features of Cleo: Budget & Cash Advance:

- AI Money Coach: Cleo is an app that provides an AI money coach that you can talk to. This feature allows users to have a simple chat with Cleo to ask questions and learn about their finances in an engaging way.

- Cash Advance: Users can get up to a $250 cash advance with the App. This feature allows users to avoid overpriced overdraft fees and get quick access to funds without any interest, credit checks, late fees, or direct deposit requirements.

- Mindless Savings Tools: The app offers various mindless savings tools such as auto save, round up, swear jar, and set & forget. These tools make it easy for users to save money without feeling stressed or restricted.

- Personalized Budgeting: Cleo uses Plaid to read users' transaction history and helps them build a personalized budget. Users can get a comprehensive view of all their accounts, track their spending, and receive monthly bill reminders.

- Credit Building: This app helps users build their credit without needing a credit card. Users can enjoy benefits like 0% APR, cashback on everyday spends, cash advances, credit score coaching, and a minimum deposit requirement of only $-

- Early Paycheck Access: Users can access their paycheck up to 2 days early by setting up direct deposits. This feature allows for greater financial flexibility and convenience.


Cleo is a user-friendly app that offers a range of features to help users manage their finances effectively. With an AI money coach, cash advance options, mindless savings tools, personalized budgeting, credit building support, and early paycheck access, Cleo provides users with the tools they need to take control of their financial well-being. Click to download and start your journey towards financial success today.

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More Information

File size: 156.00 M Latest Version: 1.257.0

Requirements: Android Language: English

Votes: 298 Package ID: com.meetcleo.cleo

Developer: Cleo AI


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  • Started off with Cleo Plus. After a few months they said if I subscribed to their credit builder program which costs $14.99 a month, I would be able to double my cash advances. I signed up 2 months ago, but never received another cash advance, even though I was never late in repaying. Now, I have tried 4 or 5 times to unsubsribe from Cleo, but they are still attempting to collect their monthly subscription fee of $14.99
    2024-02-23 00:03:48
  • This was the worst app I ever dealt with. It took my money and I could never get verified. He kept charging my bank account. $1 $1 and never said everything was clear. It's a fraud. Be careful. I have to change my entire bank account now to keep them from stealing money! Sad, sad, sad
    2024-02-22 23:00:10
  • The app scammed me. It made me believe I could borrow more when if I signed up for a builder account, but I couldn't. Now, because I spent all that money trying to get a larger advance to be able to get through the holidays, it left me with no money and now the holidays are ruined
    2024-02-22 16:30:38
  • really needed an advance after having brain surgery and being on a brief leave of absence from my job [only 3 months] pay checks still visible in my connected bank, was only offered a measly $20 dollars and of course there was the $5.99 fee + $3.99 if I wanted it anytime soon.. so, yeah.. not worth it for me.. and did not help me get through my situation any easier. kinda added to it.
    2024-02-22 04:35:05
  • TERRIBLE SERVICE, DO NOT USE! I get a minimum of 1,500 deposit in my account a month. I had to pay $6 bucks just to get approved for a $20 dollar loan repaid and waited 4 days for my payback to process just to get another $20 bucks repaid again now another 4 days to process my repayment. next week is another subscription payment due so in 1 month I would have paid Cleo 2 subscription payments and was only able to borrow $40 bucks ,True scam and Cleo please do not respond I don't wanna hear it
    2024-02-20 13:51:59
  • This app deserves 0 stars in truth. I was approved for 40$ and they wanted me to pay $5.99 first. Ok np then after that they charge you another like 6$ to send you the money instantly and from there I keep getting something went wrong please try again. I been trying for two days now. Stupid app.
    2024-02-20 08:26:09
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