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Cleo AI: Cash Advance & Budget

Cleo AI: Cash Advance & Budget

Credit Builder & Savings Goals

257K ratings
4121 reviews
#30 in free Finance
📊 Productivity
💰 Finance
Free

Details

  • Released
  • Updated
  • February 23, 2019
  • August 26, 2026

Features

Developer

Cleo AI Ltd
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🎪3 available
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❓5 answered
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About

This AI-powered financial assistant helps you manage your money through conversational chat. It offers budgeting tools, savings accounts with high APY, credit building features, and cash advances without interest or credit checks.

✓AI-powered financial chat
✓Budgeting and spending tracking
✓Cash advances up to $250
✓High-yield savings account (2.72% APY)
✓Credit score building
✓Automated financial planning
✓Debt management dashboard
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What users say

Summarized from real user reviews of Cleo AI. Based on 257K reviews and a 4.7/5 average, it highlights the 4 positives and 4 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀Great service
  • 💡Entertaining and easy to understand budgeting/finance app
  • 👍Helpful in building credit and getting through hard times
  • 👍Useful features like Spendr and Cleo Wallet

Negative things

  • 🐛Bugs and issues with disconnecting bank accounts and canceling subscriptions
  • 🔒Concerns about data privacy and security
  • 💰Misleading subscription fees and charges
  • 🤖Unhelpful and unresponsive customer service
See all reviews
+1

What's New in Cleo AI

3.73.0

August 26, 2026

Bug fixes & minor improvements. Watch this space.

Charts

Top Free

📈 30+1

Finance

This app rose +1 position in Finance chart.

Last updated on August 29, 2026.

Events

Read more about Campus costs, at it again
AvailableNew Season

Campus costs, at it again

They add up fast. Up to $250 can help. T&Cs apply.

Aug 21, 2026 — Sep 21, 2026

Read More

Read more about Money's not hush-hush anymore
Event EndedMajor Update

Money's not hush-hush anymore

Cleo's custom roasts are loud and clear.

Jun 19, 2026 — Jul 19, 2026

Read More

Read more about Summer should be stress-free
Event EndedNew Season

Summer should be stress-free

Your money just got an upgrade

Jun 15, 2026 — Jul 16, 2026

Read More

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User reviews

Most RecentHighest RatedLowest Rated

$20 cash advance lol

This is a joke. Don’t waste your time.
Cfm319Cfm319

This is almost a scam.

Save your time and money. The terms suck.
30th attempt at a nickname30th attempt at a nickname

DO NOT DOWNLOAD

this app is a horrible cash advance and budget tool. They analyze your bank account and based on whatever the ai determines they set your cash advance as. The part that’s absolutely ridiculous about this app is you can pay back the cash advance on time, before, it doesn’t matter. They will still give you a lower cash advance with no reason. There are way better apps like Dave or earnin which after u pay the cash advance your qualified for more. This app will make you pay for subscription for a measly cash advance. Again do not waste your time with this app. This app needsa serious revamp.
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Natalie GNatalie G

I hate this app

This app literally sucks. Doesn’t allow to request full amount offered. Has enormous fees. I literally hate this app
Meli3330Meli3330

Terrible company

Cleo used an account I had connected to charge my monthly subscription without my permission which is against the law. I’ll be reporting them to the bbb. Don’t use Cleo. Misleading and charges whatever they want whenever they want without your permission
acj86acj86
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User experience

🐞

Reported Bugs

3 issues

Issues with connecting and disconnecting bank accounts

Bug

Problems with cash advance approvals and deposits

Bug

Glitches in the budgeting and spending tracking features

Bug
✨

Requested Features

4 requests

Ability to manually categorize and edit transactions

Feature

More customizable budgeting options and spending categories

Feature

Improved integration with bank accounts and credit cards

Feature

Better communication and transparency around eligibility for cash advances

Feature

FAQ

What does Cleo AI do?

Cleo AI is an AI-powered money coach that helps users budget, save money, build credit, and access cash advances. It uses a conversational interface to make managing finances simple and engaging, offering insights into spending habits and personalized financial advice.

What are the key features of Cleo AI?

Key features include an AI chat interface for financial queries, budgeting tools, a savings account with a 2.72% APY, cash advances up to $250 with no interest or credit checks, credit building without a credit card, automated financial planning with Autopilot, and a debt management dashboard.

How much does Cleo AI cost?

Cleo AI offers a freemium model. While some features like budgeting and cash advances are available for free, advanced features such as the Debt Reset require a paid subscription. Specific pricing details can be found within the app.

What are the eligibility requirements for a cash advance?

Cash advances are subject to eligibility and amounts are based on accrued, unpaid income, ranging from $20-$250. First-time users may have a lower limit. There are no interest, credit checks, or late fees associated with these advances, and no direct deposit is required.

Can Cleo AI help me build credit?

Yes, Cleo AI offers features to help build your credit score without needing a credit card. This includes a 0% APR cash advance and score coaching, which can lead to smoother approvals, lower interest rates, and higher credit limits over time.