Cleo AI: Cash Advance & Budget

Cleo AI: Cash Advance & Budget

Track, Budget, & Save Cash!

244K ratings
3556 reviews
With Ads#17 in free Finance
📊 Productivity
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • February 23, 2019
  • July 15, 2026

Features

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

See all reviews
+1

What's New in Cleo AI

3.65.0

July 15, 2026

Bug fixes & minor improvements. Watch this space.

Charts

Top Free

📈 17+1

Finance

This app rose +1 position in Finance chart.

Last updated on July 19, 2026.

Events

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

Read more about Father's Day gifts, anyone?

Father's Day gifts, anyone?

Celebrate his way with Cleo's cash advance.

May 31, 2026 Jun 30, 2026

User reviews

PAID ADVANCE

You literally have to pay before they will give you a advance which defeats the purpose of trying to get a payday advance if i had $6 i wouldnt need an advance! App is useless if your in a emergency you will have to pay

Nonexistent customer service

I wish I could leave a negative star rating. I was charged repeatedly for funds I didn’t get a chance to use. The funds that u was charged express fees for were taken out of my account the same day or the very next day 3 times in a row. I requested assistance and was given none. I was referred to a customer that apparently doesn’t exist. I got no help via chat and u was told to send an email to which I got NO response. I see why there is a class action lawsuit because I refuse to believe I am the only one this company has stolen from.
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Horrible

Plaid integration on the steps page doesn’t open or work. It’s supposed to take me to the plaid screen to add a bank, instead, it says “loading…” and just spins. How am I supposed to get an advance if the plaid server doesn’t open to let me finish the other steps?!!

Save yourself the hassle. Plaid window doesn’t open

The finish account set up screen with the 3 steps for new users is bugged. The 2nd step which is to connect a bank doesn’t work. It tells you to connect bank account, but plaid or whatever window isn’t opening/loading after I click get started… it just spins. I have already sent support a screen recording of this issue to support, but the conversation is going in circles. Deleting and reinstalling didn’t help. This looks like a server issue, that is prohibiting new users from accessing plaid on the linking screen and to proceed with the following steps. According to the reviews, this an ongoing issue for others. Engineers of this app are horrible. Save yourself the hassle!
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Customer support

Trash. I have an issue that I need help with and the AI keeps blocking me from getting in contact with a human agent. Absolutely unreal that it’s this hard to try to resolve a simple issue.

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.