Cleo AI User Reviews

Customer Experience

Positive experience48.8% of reviews
Neutral5.0% of reviews
Negative experience46.2% of reviews

~ Based on 3,938 written reviews from the US App Store.

What users say

Is Cleo AI Safe?

Cleo AI: Cash Advance & Budget appears safe based on user ratings. AppsHunter Safety Score for Cleo AI is 94/100.

This assessment is based on 252,923 user ratings, with an App Store average of 4.7/5.

Safety Analysis

91.9% of ratings point to a safe experience
1.5% of ratings suggest some concerns
6.6% of ratings point to a risky experience

~ Based on 252,923 App Store ratings for Cleo AI.

Is Cleo AI Legit?

Cleo AI: Cash Advance & Budget appears to be a legitimate app. AppsHunter Legitimacy Score for Cleo AI is 93/100.

Based on 93 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

There’s no help

There’s no help

Needs to change

I’m not going to lie at times I do need extra but I don’t like the way Cleo does theirs. Even when giving an increase it’s something. After I payback I may not use it anymore it’s really too much of a hassle how they do their advance. Change how the advance is given. Give it all at once because the company is charging each time which make the fees higher
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Help

They were great at helping me with my situation

Great service

awesome and understanding

Hogwash

Do no link your bank accounts if you have Venmo and a regular checking and savings account. Cleo will go into your account and take money while lying to your face. They got me evicted because I was unable to pay my bill due to the fact that Cleo just went into my account and snatched those funds. The support team is disrespectful and I wouldn’t recommend this all to anyone.
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This app genuinely sucks

I paid for the Cleo Plus, and then it told me I was no longer eligible for Cleo Plus and that I would have to wait a few days to see if I’m eligible again for the cash advance. The stupid AI gave the same three responses.

They Lie

The app said I was approved for $40, so I paid the subscription fee. Then suddenly I wasn’t eligible anymore. According to their own terms and conditions, I should have been refunded my subscription fee when I requested it. However, I was denied. So I cancelled the subscription and disputed the charge with my bank instead.
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No live customer service

They expect you to wait at least three hours to resolve any issues

Cleo Rocks

I really appreciate Cleo. Very good Cash Advance app plus Cleo is helpful with all things financial.

Scam

Charged me monthly subscription and then i couldn’t do anything because it kept saying my social security number was wrong . I tried to update that and it kept switching it to another number . When I talked to customer service they finally told me I didn’t pass a security screening . The app had no problem getting into my bank account or taking my money.
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Money

Good app

great app

Cleo is user friendly and always answers my questions and solves any problems I have recommended to numerous friends and family

No help

Very misleading

Not Happy

I’m constantly getting statements that are not accurate or reflective of my current balance or even due date. This is a great app to have to help build your credit and meet some ends when needed. However, I would keep on them to make sure they aren’t reporting inaccurate information to the bureaus because it could hurt your credit.
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Cleo

Very good loan app

draw limit so low and express delivery os sp expensive

the limit draw is so low and very expensive instant fee its doesnt matter if the draw is big and 1draw only like for example $275 you draw it like 4 times or more and paying instant of $8.99 per draw

Asinine

This is a cash advance app that ask you for money before they will give you an advance….. make it make sense. Horrible business model.

Advance amount

Why have us wait a whole 24 hours to get another advance? If we’re qualified for $600.00, then give us that whole amount.

Boost

I don’t like how Cleo said if I refer a friend I get 80 dollars and recently I referred a friend and they sent me a notification saying I was approved for 80 dollars and when I went to get my advance Cleo only gave me a 40$ boost on Monday 8/10/2026 that’s false advertisement

Great

Awesome service