Cleo AI: Cash advance & Credit

v2.10.0 Aktualisierungsdatum:2025-12-14 Entwickler：Cleo AI

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Cleo AI: Cash advance & Credit Anwendungsbilder

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Cleo AI: Cash advance & Credit AI Redakteursbewertung

Cleo AI offers cash advances and credit-building tools with a conversational AI interface. It analyzes spending, provides personalized financial advice, and helps users avoid overdraft fees. While user-friendly, it may require a subscription and has limited advance amounts.

Umfassende Analyse

Cleo AI acts as a personal finance coach, offering cash advances and credit-building tools through an engaging AI interface. It analyzes your spending habits and provides tailored recommendations to improve your financial health. The app helps users avoid overdraft fees and build credit scores. While the AI provides a unique user experience, a subscription is needed to unlock all features, and advance amounts can be restricted based on individual circumstances. Overall, Cleo AI presents a potentially helpful tool for managing finances, but users should carefully consider the subscription costs and advance limitations.

Hauptvorteile

User-friendly AI-powered interface for personalized financial advice
Helps build credit and avoid overdraft fees
Provides cash advances to cover immediate needs

Verbesserungsbereiche

Requires a subscription fee for full access
Cash advance amounts may be limited based on eligibility

Die Beschreibung von Cleo AI: Cash advance & Credit

Site Editorial Commentary：Manage budget, save money, or file tax. Build, track & improve your credit score

Cleo AI: Your personal finance coach in your pocket. Talk to Cleo about your daily, weekly, or monthly budget and take control of your finances. Join over 8 million users who trust Cleo to budget, save, build credit, and access cash advances during those low-balance moments.

Cleo transforms the often-stressful world of personal finance into a simple, engaging chat. Ask questions and learn about your finances without the boredom. Want to know how much you spent on takeout last month? Just ask Cleo!

GET UP TO A $250 CASH ADVANCE
Ditch those expensive overdraft fees and get a spot from Cleo instead. Cleo's cash advance offers up to $250 with:
- No minimum or maximum repayment time
- No interest charges
- No credit checks required
- No late fees
- No direct deposit requirement for eligibility

*Important note:* A Cash Advance (Earned Wage Access) is NOT a personal loan! Cleo operates as an Earned Wage Access app. There is no maximum annual percentage rate (APR) because there are no mandatory fees associated with Cleo's cash advances. For example, if you request a $40 advance and choose standard delivery, the total repayment amount is $40.

SAVE WITH 3.14% APY
Grow your wealth with a high-yield savings account, earning almost nine times the national average. Think of it as the good kind of interest that accumulates on your savings.

BUDGET WITHOUT RESTRICTIONS
Create a personalized budget that fits your lifestyle (with room for that iced coffee!). Cleo uses Plaid to securely access your transaction history in read-only mode. This allows Cleo to show you all your accounts in one place, provide spending breakdowns, and offer monthly bill trackers and reminders.

BUILD CREDIT (WITHOUT A CREDIT carD)
Improve your credit score for smoother approvals, lower interest rates, and higher credit limits. Start building your credit with Cleo:
- No Interest charges
- Access to cash advances
- Credit score coaching
- $1 minimum deposit to get started

ACCESS YOUR PAYCHECK UP TO 2 DAYS EARLY
Get your earnings sooner by setting up direct deposit and unlocking your paycheck up to 2 days early.

LEGAL STUFF
(1) Subject to eligibility. Advance amounts range from $20-$250, with $20-$100 for first-time users. Amounts subject to change. Same-day transfers are subject to express fees.
(2) The interest rate on your savings account is 3.09% with an Annual Percentage Yield (APY) of 3.14%, effective as of 09/18/2025. The rate is variable and subject to change after account opening. Fees may reduce earnings.
(3) The Credit Builder Card is issued by WebBank, Member FDIC, pursuant to a license from Visa USA Inc. Access to the Card is subject to approval.
(4) Early access to ACH credit or direct deposit funds depends on the timing of the submission of the payment file from the originator and/or payroll provider. Thread Bank generally makes these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date. However, this availability is not guaranteed.

Cleo Subscription Services:
- Cleo Grow: Savings goals, hacks, challenges, and APY on savings.
- Cleo Plus: Includes Cleo Grow features plus credit score insights and access to cash advances (if eligible).
- Cleo Credit Builder: Includes Cleo Plus features plus credit history and priority support.

Cleo is a financial technology company, not a bank. Banking services are provided by Thread Bank, Member FDIC.

We only offer services in the US. When setting up an account, users must select a US state of residence.

Cleo is not affiliated with Moneylion, Credit Karma, Kikoff, Experian Credit Check, Credit One, Credit Strong, Intuit Credit Karma, Albert, Earnin, Dave Bank, Brigit, Chime, Klover, loan apps, FloatMe Cash Advances, Empower, Venmo, 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](http://meetcleo.com/page/privacy-policy)
Cleo AI
300 Delaware Ave, Suite 210
Wilmington DE, 19801