Cleo: Get Up To $100 Spot 9+
Budget & Cash Advance
Cleo AI Ltd
Featured App of the Day - Apple App Store
Top 9 Budget Apps of 2022 - Marie Claire
Best Money Apps of 2022 - Metro
Glide your way to payday with Cleo—the money app that’s got your back. Trusted by 5+ million users, Cleo can help you save, budget, build credit, or get a cash advance when you hit those “I need money now moments.”
Unlike most finance apps, Cleo can turn your complicated money life into a simple chat. Want to know what you can spend on takeout? Any bills due? Just ask.
And when you’re in need of some tough love, you can also get roasted for wasting money.
If your savings look like they could use a bit of saving, Cleo’s got you. After setting up your Cleo account, you just pick a save hack— like autosaving or round ups, and let this savings app do her thing.
Tried to YNAB your life, but found it complicated? Cleo’s one of the best budget apps because it’s simple. After syncing to your bank account in read-only mode, Cleo‘s AI analyzes your bills and transactions, then suggests a budget you can actually follow.
GET UP TO A $100 CASH ADVANCE (1)
There’s a lot of shady payday loans and apps you can borrow money from out there. Cleo isn’t one of them. For example, most places that offer a payday advance or loans for bad credit charge insane interest rates and high fees.
But with Cleo:
- No interest (APR), no credit checks, no late payment fee, no origination fee or processing fees (inc. late payment).
- No mandatory minimum or maximum repayment time frame.
- Are there extra costs with your advance cash? No! Example for a $100 advance: Cleo sends it to you and you pay it back on the day you set with no interest. So all you would owe is $100. Not bad.
Use it to help with bills, avoid overdraft fees, or whatever you need it for.
If you’ve got bad credit you’re totally welcome here too since there’s no credit checks.
The eligibility process is familiar too. If you’ve ever used an earning app or borrowed money from apps like Dave, you’ll feel right at home.
Learn more [here](http://web.meetcleo.com/borrow).
Build credit and stay debt-free (2)
Cleo Builder is our credit building subscription, designed to help anybody, especially beginners, build their credit history and avoid debt. It also comes with some perks to help you with your financial health:
- Cashback* on everyday spends
- Up to $120* cash advance
- Credit score coaching and more
New money hacks and side hustle ideas each week
You didn’t think Cleo was also one of those money making apps, did ya? So we’re not an earning money app per se, but each week we publish ideas in-app and on our [blog](https://web.meetcleo.com/blog) about things like side hustles, ways to save money and more.
(1) Cleo Plus is our subscription service, which offers eligible users cashback on your money, information on your credit score, and access to cash advances ("Cash Advance"). Advance amounts will vary based on eligibility. To learn more about eligibility, repayment, and overall terms, please visit: meetcleo.com/terms
(2) 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.
"Cash/Salary Advance" and "Cashback Rewards" are features of the Cleo Builder Subscription and not the Credit Builder Card. The "Card Cash Advance" is a feature unique to the Credit Builder Card and allows you to advance cash at an ATM. The Cash Card Advance is subject to a $2.50 fee per transaction plus any fee that may be charged by the ATM or Bank. This feature is only available to holders of the Credit Builder Card.
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. All savings held in FDIC-insured accounts with protection up to $250,000
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
- 101.5 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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