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Cleo AI: Cash Advance & Budget

Cleo AI: Cash Advance & Budget

Credit Builder & Savings Goals

251K ratings
3854 reviews
#20 in free Finance
📊 Productivity
💰 Finance
Free

Details

  • Released
  • Updated
  • February 23, 2019
  • August 6, 2026

Features

Developer

Cleo AI Ltd
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Cleo AI: Cash Advance & Budget screenshot #1 for iPhone
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Cleo AI: Cash Advance & Budget screenshot #9 for iPhone
📊no. 20
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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 251K 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

3.69.0

August 6, 2026

Bug fixes & minor improvements. Watch this space.

Charts

Top Free

📊 20

Finance

The app has maintained its position at 20 recently.

Last updated on August 9, 2026.

Events

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

Read more about Father's Day gifts, anyone?
Event EndedSpecial Event

Father's Day gifts, anyone?

Celebrate his way with Cleo's cash advance.

May 31, 2026 — Jun 30, 2026

Read More

See All

User reviews

Most RecentHighest RatedLowest Rated

Cleo

I like being able to use for extra cash in a pinch. Money is deposited right away with no issues. Just wish they would tell us how to be able to increase the amount and how do you get a boost. When I first started I got a boost but not anymore and have never missed a payment.
stillpepstillpep

awesome app

I love this app. Its very helpful
Nicole1015@Nicole1015@

like a friend

like a reliable friend, Cleo is there when I need her.
lisabwlkalisabwlka

LIARS

these 5 Star Reviews are completely lying you HAVE to pay a subscription to even access the app and they will sit there and lie and say 250 dollar advance is available after you pay a subscription fee, but they can still decline you for the advance after you pay ?!? they know what they are doing and it’s pure greediness. I will never use this app again .
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PrettyboytiiPrettyboytii

I love this app, instead of asking a family member or friend, I ask Cleo

They’re great I recommend them highly
BigKeezzzzzzzzzBigKeezzzzzzzzz
See 3849 more reviews

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.