Cleo: AI Budget & Cash Advance 9+

Build Credit & Get Roasted

Cleo AI Ltd

    • 4.7 • 2.6K Ratings
    • Free

iPhone Screenshots


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.


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.


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


Hide your money from yourself with mindless savings tools, like: auto save, round up, swear jar, and set & forget.


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.


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


Don’t wait until payday. Unlock your earnings early by setting up direct deposits.


*Eligibility requirements apply. Not all users will qualify. Advance amounts range from $20 to $250. Same-day transfers subject to express fees. Visit for more information.

**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.

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. If you don’t want to subscribe, you can also apply for cash advance by contacting our customer service at To learn more about eligibility, repayment, and overall terms, please visit:

The Cleo Credit Builder subscription service offers eligible users cashback on your money, information on your credit score, access to cash advances (”Cash Advance”), credit history and priority support. Advance amounts will vary based on eligibility. To learn more about eligibility, repayment, and overall terms, please visit:

Learn more about how we share and protect your data at

What’s New

Version 1.272.0

Bug fixes & minor improvements. Watch this space.

Ratings and Reviews

4.7 out of 5
2.6K Ratings

2.6K Ratings

KSah0912 ,



Tayleebutterfly ,

Great but...

I am Canadian and was able to create a CLEO account for free. The budget is easy to follow, you can categorize your spending, set your bills for specific dates, it’s all super easy to use. I love being roasted, and I love when CLEO hypes me up as well. The only thing i’m unable to do is create a CLEO wallet because you can only put in a USA address. So there is no point in me spending the $5.99 a month because I can’t use half of the bonus features. I’d love to see the wallet come available for Canadian users and if that happened I would totally purchase CLEO plus!!

soey-sunshine ,


It was quite disappointing to not be able to use the app since all the banks listed are American.


App Privacy

The developer, Cleo AI Ltd, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer's privacy policy.

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
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

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