SaaS Metrics
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 team@meetcleo.com
(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
Product Positioning & Context
Related Ecosystem & Alternatives
Discover adjacent products, open-source repositories, and developer tools sharing similar technical architecture.
Deep-Dive FAQs
What is Cleo AI: Cash Advance & Budget?
Cleo AI: Cash Advance & Budget is a digital product or tool described as: Cleo AI Ltd
Where did Cleo AI: Cash Advance & Budget originate?
Data for Cleo AI: Cash Advance & Budget was aggregated directly from the Apple App Store community ecosystem, representing raw developer and early-adopter sentiment.
When was Cleo AI: Cash Advance & Budget publicly launched?
The initial public indexing or launch date for Cleo AI: Cash Advance & Budget within our tracked developer communities was recorded on February 23, 2019.
How popular is Cleo AI: Cash Advance & Budget?
Cleo AI: Cash Advance & Budget has achieved measurable traction, logging over 222,488 reviews and facilitating 5 recorded discussions or engagements.
Which technical categories define Cleo AI: Cash Advance & Budget?
Based on metadata extraction, Cleo AI: Cash Advance & Budget is categorized under topics such as: Finance, Productivity.
What are some commercial alternatives to Cleo AI: Cash Advance & Budget?
Our semantic intelligence engine identifies potential commercial alternatives in the SaaS space, such as Ferrari Luce, which offers overlapping value propositions.
How does the creator describe Cleo AI: Cash Advance & Budget?
The original author or development team describes the product as follows: "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..."
Community Voice & Feedback
They like to let you advance $ 240 one week. Then 40 the next. So they will get you into a bind.
Cleo is always there to help with their incredibly easy application process
Firstly, Cleo is annoying. I ask for customer service it takes her at least 20 times before she does it. Secondly, I repaid my advance and then they drop my eligibility by $200 and now I’m left with nearly nothing.
Lastly. they don’t care that they screwed you over to the point where you’re scared and trying to figure out how you’re going to make to your next payday.
I have no idea what to do next.
Lastly. they don’t care that they screwed you over to the point where you’re scared and trying to figure out how you’re going to make to your next payday.
I have no idea what to do next.
Great
I really like that I can get an advance and pay it when I get paid and when on time for a while the amount increases.
This helped me through some tough times and still helped me through and very easy to use and very manageable. Charge is a little high, but it’s OK.
Garbage AI, no human support. Won’t let me withdraw money from savings, trash.
Not so good!!! Fees were to high and if i choose not
To pay the fee, the money will arrived literally in 4 days, already in time for repayment. Cleo sucks!!!
To pay the fee, the money will arrived literally in 4 days, already in time for repayment. Cleo sucks!!!
Loved it at first but it literally sucks now because my cash advance went down after using it 3 times with it being really good amount to borrow now it’s the lowest amount even when i first started using it like come on Cleo get with the program i make more bi weekly but i always need extra since everything is crazy high with prices
Dear Cleo
Your Fees are so extremely high for each small loan your app should be a free subscription like M+ & Klover.
For those that don’t know even if you are approved for a $500 loan, you are charged $11 per $100 or $8 per $65 or $6 per $45. So a $500 loan can end up costing you $65-$82 in fees because you can only borrow $100 max per day. Then it drops to a lower amount, then a lower amount until you hit $500 but yet the fees barely lower & add up to an extreme amount on a 1-2 week loan
**Tilt, Klover & M+** are far superior compared to Cleo
Cleo~ When you’re gauging people that are in a jam with this rediculous fees you should be a FREE SUBSCRIPTION like the other overpriced apps. I canceled Cleo & will stick with the Subscription Fee Free Apps ✌🏼Dueces
Your Fees are so extremely high for each small loan your app should be a free subscription like M+ & Klover.
For those that don’t know even if you are approved for a $500 loan, you are charged $11 per $100 or $8 per $65 or $6 per $45. So a $500 loan can end up costing you $65-$82 in fees because you can only borrow $100 max per day. Then it drops to a lower amount, then a lower amount until you hit $500 but yet the fees barely lower & add up to an extreme amount on a 1-2 week loan
**Tilt, Klover & M+** are far superior compared to Cleo
Cleo~ When you’re gauging people that are in a jam with this rediculous fees you should be a FREE SUBSCRIPTION like the other overpriced apps. I canceled Cleo & will stick with the Subscription Fee Free Apps ✌🏼Dueces
I absolutely hate this company. I have never lost so much money. My loans are paid on time and I still lose money with them. I am closing this account
Easy to use, lowest fees of all apps of this kind.
Cleo block my card and I still got $180 on my Cleo why can’t you just send it to my linked chime account?
Been on it the same length of time as ML, Earnin etc…ML I’m up to $1430 and Earnin $900—here comes Cleo an Ai trying to be your friend—-just get the basics together like why does it say $240/240 then I can only get $80? Just say $80!!!
Horrible app, yeah it works but it doesn’t allow partial payments
Discovery Source
Apple App Store Aggregated via automated community intelligence tracking.
Tech Stack Dependencies
No direct open-source NPM package mentions detected in the product documentation.
Media Tractions & Mentions
No mainstream media stories specifically mentioning this product name have been intercepted yet.
Deep Research & Science
No direct peer-reviewed scientific literature matched with this product's architecture.