Cleo AI: Cash Advance & Money

  • 4.38RATINGS
  • 10M+DOWNLOADS
  • TeenAGE
Cleo AI: Cash Advance & Money screenshot
Cleo AI: Cash Advance & Money screenshot
Cleo AI: Cash Advance & Money screenshot
Cleo AI: Cash Advance & Money screenshot
Cleo AI: Cash Advance & Money screenshot
Cleo AI: Cash Advance & Money screenshot
Cleo AI: Cash Advance & Money screenshot
Cleo AI: Cash Advance & Money screenshot
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 [email protected]

(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

Frequently asked questions

If you're an Android user and don't download the app from the official Google Play Store, you may find the installation process more complicated than usual.

But we are delighted to inform you that you don't need to worry. To ensure you could install this app smoothly, we have written and uploaded a detailed tutorial. It would guide you on installing an app after downloading it from our website step by step, with the help of pictures.

You may find this helpful article on the downloading site, or visit How to install APK/XAPK files on Android.

If you need further help, please do not hesitate to contact us via email [email protected].

We fully understand your concern about safety. We agree that one person wouldn't be too careful in the cyber world. Meanwhile, we are happy to tell you that one of our priorities is to provide our users with safe app files that they can use without any worries.

We guarantee that all the app files we provided originate from official and reliable sources. We promise that they do not contain any malware that will harm your hardware or the safety of your privacy.

We are glad to let you know that the vast majority of apps on our website are available for free download. Only a small selection of apps require payment, and their prices are set solely by the respective developers—we simply provide an official and secure download platform.

Rest assured, whether an app is free or paid, every download link on our site is verified and completely safe. You can download with confidence, and no account registration is needed—just click the download button and you're all set!

Recently we received a lot of emails from our users, which said they couldn't log in for different reasons, such as "forgot the user name or password" or "had a new phone." We are willing to help you out. Please read the notes below to see what we can do.

To answer this question, please first let us know which account you're referring to.

If you're referring to your account of some app, like your Facebook account or your Youtube account. Unfortunately, we would not be able to help in this case. We would suggest you turn to the customer service of this application.

If you're referring to your Appurse account, we should apologize for your confusion since there is no Appurse account. We never require registration for our service, and you will not find any procedure related to creating an account or registering on our website.

This question is essentially quite similar to the prior one. It's a pity that we are unable to help you to cancel the subscription to a third-party application directly, while we would suggest you to contact its customer service for further information.

Sorry that we are unable to help you to get a refund from a third-party application directly. If you wish to get a refund from a third-party app, we would suggest you to contact its customer service. We would be happy to provide you the way to contact them.

If you want a refund from us, we should apologize for your confusion. Our service is 100% free, and any payment information is not required.

If you run into any site that asks you to provide your payment information, be careful. Remember never reveal your payment information to any unauthorized third parties, no matter how attempting their offer may seem.

Sorry that we cannot answer this question directly, for this only aims to answer some general questions. You may find how to use a certain app by checking our review page.