Cleo: Budget & Cash Advance
June 05, 2024
More About Cleo: Budget & Cash Advance
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
Latest Version
1.291.0
June 05, 2024
Cleo AI
Finance
Android
2,859,697
Free
com.meetcleo.cleo
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User Reviews
Ermalinda Ferrer
1 year ago
Fast, secure and easy to navigate. Also affordable and reliable. When you're approved you receive the amount approved, not a percentage of initial amount approved with small increments as you borrow and pay. It does what it states which is important if needed in an emergency by being able to count on a specific amount. I recommend this app.
Erixa Charlez
1 year ago
I didn't bother wasting time to try to get customer service through the app because that seems like it takes longer and no one pays attention for certain issues. But I do have an issue with me having to keep reconnecting my main account to your account All the other accounts don't get disconnected but this one in particular. It's really frustrating to do this almost every single week. And when I borrowed $40 2 weeks ago I tried to pay it before time and I couldn't for some reason
Leanna Jackson
1 year ago
It won't let me get more than $40 advance. I've talked to support tons of times and was told repeatedly this was a system error. Then the last time one person told me I'm just not eligible. App tells me I need to reconnect bank to get a bigger advance but when I click on it it says it's connected but doesn't show when I go back. Support is zero help. Been using cleo for years. I always pay it back.
Kat Hipps
1 year ago
Was great at first. I even have the subsciption. My cash advance kept going up and i always paid 2 days early. Followed all guidelines to keep it good. Same money, same everything. Then it drastically dropped to 130 and now 100. No change from my side and no reason for a drop. Will be cancelling the subscription as it does nothing but take a fee from you. Still better than some but thier is much better.
Timothy Brooks
1 year ago
This is quite possibly the worst app for a financial institution ever created. It's constantly slow as molasses. Every so often, I have to authenticate again as if I was a new customer, even if I had just logged in a few minutes before. If your card was declined, in my case because I moved, it asks for the info again but then you type it in and it doesn't save the info or allow you to retry the payment. Can't remove the "saved" card from the other screen. Chat Support takes days to respond.
Quinn Rein
1 year ago
I really like the saving rules you can set; I used to use this as one of my primary methods of saving small amounts of money over time, but the two main drawbacks are the lack of earned interest and how glitchy the app can be. I wasn't able to access my money on here for nearly a year and a half after my bank merged with another. Great concept with glitchy and difficult interfacing
Mylinda Harris
1 year ago
It's not even worth the headache. Then FYI if u ever decide that the credit builder card is not in budget and want to cancel your credit score go right back to where you started. You might as well put in the work on your on fact. Ohhhhh and getting refunds and talking to a real human is the most frustrating thing every. Now they will take your money easy, give you money easy with a 10.99 fee not good, but getting what they owe you a never happen might as well count that as a lost love. 🤦🏿♀️🤷
Dan Green
1 year ago
The first time I used this app to get an advance it worked perfectly. Now, after connecting my bank and paying up front for the Plus for $5.99, it shows an error message saying try again. It never works. They do refund the $5.99 fortunately. Also, the credit score part never works either. If you are able to talk to a human, they start a work ticket and you can expect to wait 4 days for a reply. I won't be using this one again.
Matt Hawkins
1 year ago
This app Is very buggy. I've ran into several issues, that I've brought up and still haven't been resolved. It needs to be mentioned that customer service is absolutely a joke. For a financial institution to have no call center at all, instead everything is done through email or chat... I've had several issues, including my account getting hacked. I had nearly $450 taken, and the team at Cleo has yet to do anything about it. I can't get into my account, and have just about accepted my loss. Dont
Kayla Burgraff
1 year ago
Man. This app is great. She tells me how it is and when I'm over spending. And she keeps me at a low loan amount which keeps me from going into debt from shopping again. Lol. And the budget part is easy to understand and go along with. Try it. It's like a parent specifically created to teach you about money and savings and wants or needs. Just try it. Seriously. 🤑💸🛍️💳💰💲
Seddie
1 year ago
The app keeps getting worse. The whole app. Let me first say, I'm never late with advances and usually early. 2nd, stop letting the bot run the show! It lies!! The bot tells me good to get $80 if I pay the $60 early "and reap the benefits" lol, nope still $60. If you get a human, they say they are under staffed and need my patience. I have hundreds in my accts but only got to $90 once. I can't go past $60 for months now. The fee's are crazy. I'm paying $40 odd $/mth(sub+fees)and u want a tip?!
Natasha Foster
1 year ago
Update: Cleo is trash. When I set up my original account it worked just fine, but I got a new debit card and was able to add it for both cash advances and my subscription, but it wouldn't work with my new card for some reason. Tried reaching out to support a couple of times about it since February, but all I got was, "Try it again later." So, I deleted my account yesterday, and expected to be able to set up a new account with my new card... but no. It's STILL NOT WORKING!
Kenneth H
1 year ago
App is quite misleading with the language and can be very frustrating at times. I get my check deposited directly and they refer to my funds as "credit". News flash, it's not credit when the funds have been deposited up front by the federal government. Thwn they proceed to limit what I can use said funds for. Example: I just had $2000 deposited and I can only access a couple hundred at any given time. They constantly decline me and its incredibly frustrating and embarrassing. In a pinch? Forget
Jennifer Collins
1 year ago
24 hour Cool Off period IS A LIE! It's going on day 3 that I've not been able to receive an advance. I always prepay my advances back. You have NEVER had to debit my account to get the money back. I email CS and they tell me the cool off period is no longer 24 hours! It could be anywhere from 1 week to "a few weeks"?! Really? If your using this app for the advances, cancel now. They get your subscription fees but have changed how YOU can use their services.
Angela Griffin
1 year ago
Cleo is absolutely fabulous! I've had this app for over a year, I use it all the time in conjunction with 2 other banking apps. I love the Cleo credit builder, & it's so convenient to see all my transactions from 3 accounts in 1 screen. The clever texts & personal challenges to save more or spend .more wisely on things I don't need are helpful and fun. If you're on the fence, get Cleo! You won't regret it. Thanks Cleo for the $60 cash advance, & my reminder to spend less at Uber Eats ;)
Sean Wallace
11 months ago
Everything was going well. But the app told me my credit builder card had been delivered. However it's been 3 days and I still don't have it. The support team said it was still showing shipped on their end....4 to 6 weeks probably. When I was originally 17th or 19th......app says it delivered on 22nd. One support tech(Bella) suggested it was an app issue. And that I should reinstall. I did and now the app won't load psst the logo screen
Matthew Castillo
11 months ago
I got charged for a sub, but I received an error whenever I try to actually use the app. I've reached out to support, but they are slow and the many bots you have to chat with before anything can happen making the process excruciating. I just threw away money to get nothing in return. The other functions don't even work correctly. Do not use!
Betty Bradham
11 months ago
Edited: fixed most issues. Still technical issues on advance. Signed me out after updating app. Then wants me to upgrade when I have already paid for this. It is $14.99 a month and I just paid. Try to see about a advance if my direct deposit has successfully cleared and technical error. I don't know about you cleo. Reinstalled app same issues. Cleo fix yourself.
melissa collins
1 year ago
I'm new to app but I'm pleasantly surprised. It's, of course, easy to navigate but it has the unique aspect of Cleo , the chat interaction, being "truth hurts" which is very refreshing, leveling, and funny at the time. I think all can benefit by putting spending "under the microscope" even if you know where it all goes it has a different type power, I think, in writing or spoken by another. It's not just an advance app it's accountability with tools to make a change towards a better future.
Kayla Lane
11 months ago
I like the app. What would make it better is if customer support showed they care. For some reason it stopped my auto savings. It made me create a new savings account only to have to verify I'm me. Why would I have to go through that process when I've been saving with Cleo for years? I submitted documents proving my address & then they want a photo of me. Only problem is there is no option to submit a photo. I contact support, they leave me on seen. Twice I've messaged support with no response.
