# Cleo AI: Cash Advance & Budget — Credit Builder & Savings Goals > AI money coach for budgeting, saving, credit building, and cash advances. (iPhone/iPad app by Cleo AI Ltd.) - Source: https://appshunter.io/ios/app/cleo-ai-cash-advance-and-budget/id1447274646 (this page in markdown: same URL + `.md`) - Developer: [Cleo AI Ltd](https://appshunter.io/developer/1447274645) - Category: Finance, Productivity - Price: Free - Rating: 4.70/5 from 256,967 App Store ratings · 4,121 written reviews indexed - Age rating: 9+ - Requires: iOS 15.6 · 161 MB - Languages: American English - Released: 2019-02-23 - Data updated: 2026-08-29 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/cleo-ai-cash-advance-and-budget/id1447274646/reviews.md ## What is Cleo AI? An AI money coach you can actually talk to. Cleo helps 8+ million users budget, save, build credit, or get a cash advance in those low-balance moments. AI MEETS MONEY Cleo turns money stress into a simple chat, where you can ask questions and learn about your finances (like a human). Want to know how much you spent on takeout last month? Just ask Cleo…she has thoughts. GET UP TO A $250 CASH ADVANCE 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 2.72% APY Grow your wealth with high-yield savings almost nine times higher than the national average. AUTOPILOT Automate your money moves with Autopilot. Get a custom roadmap to reach your financial destination that adjusts with daily spending, and offers tips and actions to keep you on track easily. BUILD CREDIT (WITHOUT A CREDIT CARD) 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 and score coaching. $1 minimum deposit. MONEY IQ Money IQ is Cleo’s weekly quiz game that tests your knowledge about your own spending habits. Answer trivia questions correctly for a chance to win cash prizes up to $4K every week. DEBT RESET Cleo collects and organizes your debt into a single easy-to-use dashboard, tells you which payments to prioritize, and creates a plan to help you pay everything off on a sustainable timeline. VOICE You can now talk with Cleo through real-time, two-way voice conversations. LEGAL STUFF (1) Cash Advance is subject to eligibility. Amounts are based on accrued, unpaid income and range from $20-$250, and $20-$100 for first-time users. Amounts subject to change. Users can take a max disbursement of up to $170 per day. Same day transfers subject to express fees of $3.99-$14.99 based on amount. You may also request a Cash Advance without subscribing by contacting team@meetcleo.com (2) The interest rate on your account is 2.72% with an Annual Percentage Yield (APY) of 2.75%, effective as of 12/11/2025. Rate is variable and is subject to change after account opening. Fees may reduce earnings. (3) Cleo Card issued by WebBank, Member FDIC. Subject to approval. (4) Participation does not guarantee a prize. No purchase or subscription necessary, see sweepstakes rules for more information. To qualify for Money IQ, you must have at least (1) bank account connected to the Cleo app with sufficient account activity to generate personalized finance questions. Not available in Rhode Island, see official rules for more information. (5) Debt reset requires a paid subscription. The debt-free date is calculated based on user provisioned data, see Debt Reset within the Cleo app for more information. Actual results may vary. (6) 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 ## Key features - 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 ## Chart rankings - #30 in Top Free · Finance (US App Store) ## What do users think of Cleo AI? Overall sentiment: mixed **Pros** - 🚀 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 **Cons** - 🐛 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 **Commonly reported bugs** - Issues with connecting and disconnecting bank accounts - Problems with cash advance approvals and deposits - Glitches in the budgeting and spending tracking features **Most requested features** - Ability to manually categorize and edit transactions - More customizable budgeting options and spending categories - Improved integration with bank accounts and credit cards - Better communication and transparency around eligibility for cash advances ## Recent user reviews (10 of 4,121) All indexed reviews: https://appshunter.io/ios/app/cleo-ai-cash-advance-and-budget/id1447274646/reviews.md ### 1/5 — $20 cash advance lol *2026-08-26, version 3.73.0* This is a joke. Don’t waste your time. ### 1/5 — This is almost a scam. *2026-08-26, version 3.72.0* Save your time and money. The terms suck. ### 1/5 — DO NOT DOWNLOAD *2026-08-25, version 3.72.0* 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. ### 1/5 — I hate this app *2026-08-25, version 3.72.0* This app literally sucks. Doesn’t allow to request full amount offered. Has enormous fees. I literally hate this app ### 1/5 — Terrible company *2026-08-25, version 3.72.0* 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 ### 4/5 — Borrow *2026-08-25, version 3.72.0* Too quick to pay it back. 2 weeks work better than 5 days. Almost not worth borrowing if it has to be paid back within 5 days. ### 5/5 — Cleo Is the best!!! *2026-08-25, version 3.72.0* There when you need it!!! ### 1/5 — Cleo is a joke *2026-08-25, version 3.72.0* I wanted to cancel my subscription today and I seen that $11.99 was coming through my bank account today and I wanted a refund because I was not gonna use the card anymore. And they were not going to give me the refund because I didn’t cancel before it was renewed. Other businesses would actually give me a refund but not Cleo. I would not use them as their customer service is a joke. I will not use this company ever again. This company doesn’t even deserve a one star. ### 5/5 — Cleo *2026-08-25, version 3.72.0* Cleo is top 5 when it comes to overall performance in control of your finances. ### 1/5 — Theives *2026-08-25, version 3.72.0* Stolen my money kept my money that I had in my savings for over a month. I’ve been trying to get it out. They will not give me my money. It’s crazy. Don’t use this app. ## Frequently asked questions about Cleo AI ### 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. ## Version history (last 5 releases) ### 3.73.0 — 2026-08-26 Bug fixes & minor improvements. Watch this space. ### 3.72.0 — 2026-08-20 Bug fixes & minor improvements. Watch this space. ### 3.70.0 — 2026-08-12 Bug fixes & minor improvements. Watch this space. ### 3.69.0 — 2026-08-06 Bug fixes & minor improvements. Watch this space. ### 3.68.0 — 2026-07-28 Bug fixes & minor improvements. Watch this space. ## Apps similar to Cleo AI | App | Rating | Price | Category | | --- | --- | --- | --- | | [Brigit: Cash Advance & Credit](https://appshunter.io/ios/app/brigit-cash-advance-and-credit/id1341884073) | 4.8 (552,527) | Free | Finance | | [Tilt: Cash Advance & Credit](https://appshunter.io/ios/app/tilt-cash-advance-and-credit/id1136397354) | 4.8 (455,319) | Free | Finance | | [Possible: Fast Cash & Credit](https://appshunter.io/ios/app/possible-fast-cash-and-credit/id1380384597) | 4.8 (134,258) | Free | Finance | | [EarnIn: Beyond Cash Advance](https://appshunter.io/ios/app/earnin-beyond-cash-advance/id723815926) | 4.8 (449,913) | Free | Finance | | [Dave: Credit, Cash & Money App](https://appshunter.io/ios/app/dave-credit-cash-and-money-app/id1193801909) | 4.8 (881,655) | Free | Finance | | [MoneyLion: Banking & Cash Back](https://appshunter.io/ios/app/moneylion-banking-and-cash-back/id1064677082) | 4.8 (323,665) | Free | Finance | ## Related topics [money saving app mom](https://appshunter.io/ios/topics/money-saving-app-mom) · [cleo](https://appshunter.io/ios/topics/cleo) · [kleo](https://appshunter.io/ios/topics/kleo) · [cleo cash advance](https://appshunter.io/ios/topics/cleo-cash-advance) · [cleo ai](https://appshunter.io/ios/topics/cleo-ai) · [ceo](https://appshunter.io/ios/topics/ceo) · [money saving app planner](https://appshunter.io/ios/topics/money-saving-app-planner) · [kiwipop](https://appshunter.io/ios/topics/kiwipop) · [cleo for families](https://appshunter.io/ios/topics/cleo-for-families) · [tmoney budget](https://appshunter.io/ios/topics/tmoney-budget) · [spendeeplus](https://appshunter.io/ios/topics/spendeeplus) · [chloe ai](https://appshunter.io/ios/topics/chloe-ai) · [personal finance ai](https://appshunter.io/ios/topics/personal-finance-ai) · [plan and multiply](https://appshunter.io/ios/topics/plan-and-multiply) · [cash flow pro ai](https://appshunter.io/ios/topics/cash-flow-pro-ai) · [ai money manager](https://appshunter.io/ios/topics/ai-money-manager) · [jovida coach](https://appshunter.io/ios/topics/jovida-coach) · [dr naheed khan](https://appshunter.io/ios/topics/dr-naheed-khan) · [money management tips](https://appshunter.io/ios/topics/money-management-tips) · [cleo health](https://appshunter.io/ios/topics/cleo-health) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-29.*