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.
Summarized from real user reviews of Cleo AI. Based on 261K reviews and a 4.7/5 average, it highlights the 4 positives and 4 negatives reviewers mention most about this Finance app.
3.76.0
September 9, 2026
Bug fixes & minor improvements. Watch this space.
They add up fast. Up to $250 can help. T&Cs apply.
Aug 21, 2026 — Sep 21, 2026
Cleo's custom roasts are loud and clear.
Jun 19, 2026 — Jul 19, 2026
3 issues
Issues with connecting and disconnecting bank accounts
Problems with cash advance approvals and deposits
4 requests
Ability to manually categorize and edit transactions
More customizable budgeting options and spending categories
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.
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.
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.
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.
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.
