Cleo AI: Cash Advance & Budget

Cleo AI: Cash Advance & Budget

Credit Builder & Savings Goals

263K ratings
4274 reviews
Free

Details

  • Released
  • Updated
  • February 23, 2019
  • September 16, 2026

Features

Cleo AI: Cash Advance & Budget screenshot #1 for iPhone
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Cleo AI: Cash Advance & Budget screenshot #7 for iPhone
Cleo AI: Cash Advance & Budget screenshot #8 for iPhone
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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

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+1

What's New in Cleo AI

3.77.0

September 16, 2026

Bug fixes & minor improvements. Watch this space.

Charts

Top Free

📊 31

Finance

The app has maintained its position at 31 recently.

Last updated on September 18, 2026.

Events

Read more about Campus costs, at it again

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 about Money's not hush-hush anymore

Money's not hush-hush anymore

Cleo's custom roasts are loud and clear.

Jun 19, 2026 Jul 19, 2026

Read more about Summer should be stress-free

Summer should be stress-free

Your money just got an upgrade

Jun 15, 2026 Jul 16, 2026

User reviews

Poor

At first it drags u in gives you some nice advances then it really lowers the amount Not very good. Very disappointing

Subscription

I canceled subscription and then decided to resubscribe a few days later and now its not letting me and i get a message that say “Something went wrong”. The app is fully updated and have sufficient funds so idk what the deal is with that.

Customer Support

One star Rating Is also Not applicable For This Cleo Card . I don’t know Who Gave Job To this Support Team .
I have Screenshots Who was replying To my concern .
I am saying My concern Line to like by keep texting . I texting In English . Clearly Like Babies Word to word I am explaining , But support Team Expect my concern, Assuming Something and Giving me a reply and Go offline . There will be no 1 percent Match Between my concern and Their Answer . I am texting past 16 days , Now support Team guy ended the chat . This is what happening from long egooo …

I am clearly Explained That transactions can’t see the status in my Transctions activity . Why ? This is what I asked
ANSWERS
1. We can’t Release the hold placed my merchant
2. Okay I am disputing , Ask merchant Released or not
3. We can’t manually Add the amount and ask merchant To release .

This is what They annswering .

What I asked ? Show them where I asked to release or dispute and Manually Add in my concern .

Those Transactions Disappeared from my account , I asked why . Nobody else Resolve till now ….

I have the proof , I will submit all the screenshots.

Only one thing , Show me In my concern , where I asked To release Moneg or dispute .
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Cash Advance

Everything is pretty great. It would be better if you can repay the money back in payments. The money is there when you need it.

No advance

They need you to sign up for a fee

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.