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Cleo AI: Cash Advance & Budget

Cleo AI: Cash Advance & Budget

Credit Builder & Savings Goals

264K ratings
4474 reviews
#34 in free Finance
📊 Productivity
💰 Finance
Free

Details

  • Released
  • Updated
  • February 23, 2019
  • September 29, 2026

Features

Developer

Cleo AI Ltd
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Cleo AI: Cash Advance & Budget screenshot #9 for iPhone
📊no. 34
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🔄6+ apps
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🎪3 available
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❓5 answered
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📦~ in 6 days
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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 264K 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

What's New in Cleo AI

3.79.0

September 29, 2026

Bug fixes & minor improvements. Watch this space.

Charts

Top Free

📊 34

Finance

The app has maintained its position at 34 recently.

Last updated on October 6, 2026.

Events

Read more about Campus costs, at it again
Event EndedNew Season

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

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

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User reviews

Most RecentHighest RatedLowest Rated

Roast

Me
FirhotftFirhotft

Please with this company

I'm very pleased with this company. I have recommended it to several people.
Brenda Stith AndersonBrenda Stith Anderson

withdrawals take forever

i like the app but withdrawals from savings take too long i waited over a day
rrixhkrrixhk

Excellent

Excellent
bngombngom

Misleading

I paid the $14.99 subscription fee to get my cash advance loan and was expecting to repay from my bank account but it’s now asking for my payroll providers information and refuses to give me back the $14.99 subscription fee I literally just got hit with as I was doing this. I have immediately cancelled but they refuse to give back the fee! Reporting to my bank!
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moni3528102moni3528102
See 4469 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.