Get up to a $250* cash advance with an AI money coach you can actually talk to. Cleo helps 5+ million users budget, save, build credit, or get a cash advance in those low-balance moments.
AI MEETS MONEY
Cleo turns stressful money life into a simple chat, where you can ask questions and learn about your finances (without being bored to death).
Want to know how much you spent on takeout last month? Just ask Cleo… maybe this will be what finally gets you to stop overspending.
GET UP TO A $250 CASH ADVANCE*
Dump your overpriced overdraft and get a quick 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 WITHOUT STRESS
Hide your money from yourself with mindless savings tools, like: auto save, round up, swear jar, and set & forget.
BUDGET WITHOUT FEELING RESTRICTED
Build a personalized budget (with room for iced coffee). Cleo uses Plaid to read your transaction history in a read-only mode. She can then show you all your accounts in one place, serve you spending breakdown, and share monthly bill trackers and reminders.
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
- Cashback on everyday spends
- Cash advance
- Credit score coaching
- $1 minimum deposit
ACCESS YOUR PAYCHECK UP TO 2 DAYS EARLY***
Don’t wait until payday. Unlock your earnings early by setting up direct deposits.
*Eligibility requirements apply
**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.
***Cleo is not a bank. Direct deposit banking services provided by Thread Bank, Member FDIC. Early access to direct deposit funds not guaranteed, timing may vary.
Learn more about how we share your data here: https://web.meetcleo.com/page/privacy-policy
Cleo uses bank-level SSL encryption to protect your data and your deposits.
Bug fixes & minor improvements. Watch this space.
Ratings and Reviews
Entertaining AND an easy to understand budgeting/finance app.
I was a little skeptical about this app at first, but after exploring it a bit and delving into a few of the many resources, insights, and budgeting options I’m set on using this app to its full potential. This App breaks down EVERYTHING from your spending habits, the products you buy, the stores you frequent and uses a chat like feature to constantly keep your budget goals in the forefront of your mind so you are able to physically see acknowledge your negative spending habits, making it easier to break those habits and integrate positive spending habits in your daily routine. It’s like that friend who will text you to hold you accountable to the changes you’re trying to make. The way Cleo speaks in the chat feature is as if I was talking to one of my actual friends so it creates a stress free environment to manage your finances, because we all know money stresses us out sometimes. I haven’t full dived down the rabbit hole with this app but I really recommend trying it for yourself. I have a good feeling about this one!
Developer Response ,
Thanks so much for your feedback! So glad to hear you love working with Cleo :)
I’m still going to try...
I was recommended Cleo by a friend who loves how user friendly it is and how it can roast her, and I thought it would be great for my chronic overspending problem. I downloaded it and immediately starting having problems. First it took awhile to connect my bank account and now here’s two of the same one. Second, when adding my income (which I had to do manually, as I couldn’t choose one of the suggested ones) it was in pounds, not dollars, and it would NEVER save. Third, making my own budget (as the one Cleo suggested was just not gonna work for me) was difficult because it always said I didn’t have enough money to cover my spending. I went in vacation this month and spent a lot of money, but I wasn’t hoping on starting the budget this month. I guess I’ll try again next month and see if I have any luck. Also, when I was trying to identify bills, it was next to impossible as I have multiple iTunes bills and I couldn’t specify which ones update when or choose prices.
Suggestions: Make it easier to view which bank accounts are linked. Fix currency. Have a reset button for the entire app. Make a button when creating a budget on when it should start (like it will start when the next month comes around). Focus more on working on upkeep and not just making it yell at me. Let me manually input prices when it comes to bills.
Right now I’m not very happy with Cleo, but I really want it to work. I will try again next time I get paid so we will see.
Could be better….
I’ve used this app for over a year and it was nice to have the change rounded up and saved. However, with apps like Acorn who invests that for you, there really isn’t a point anymore for this feature. This was mainly the reason why I wanted this app to begin with. Now the app itself is okay to run, it’s not so bad. What makes this 2 star worthy isn’t the app itself but the lack of options. Yea it’s funny to have an app roast your spending habits, sure, but it feels like the app keeps your savings in prison or something. You have to wait “3 business days” which I’m guessing excludes Fridays and the weekends. Meaning that if you place a withdrawal on a Wednesday it claims it won’t be in your account until Tuesday!! If you are reading this and are okay with waiting that long, then this app is not so bad. It has some unique features that could be useful but were not useful for me personally. If someone would have told me that their business days are Monday- Thursday I would be less harsh but it’s frustrating when the money is needed and you have to wait almost a week to get it!!! Not to mention it was supposed to be in my account already but somehow was canceled. It’s frustrating to say the very least. If they were to add an instant payout method then that feature alone would easily make my rating 4 stars. Since that isn’t an option and some glitchy stuff happened with my transfer, they will be getting 2 stars from me.
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Contact Info
- Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- Usage Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
- Cleo AI Ltd
- 121.3 MB
- Requires iOS 13.0 or later.
- iPod touch
- Requires iOS 13.0 or later.
- Age Rating
- 9+ Infrequent/Mild Profanity or Crude Humor
- © Cleo AI Ltd
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