Cleo App Review – $250 Cash Advances and Wiseass AI Money Management

Overdraft Apps » App Reviews » Cleo App Review – $250 Cash Advances and Wiseass AI Money Management

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30-SECOND SUMMARY: Looking to get a better grip on your finances but can’t find a way to stick with it? Cleo organizes your money habits in a way that makes it easy to see how just a few small changes can make a big impact, and her sassy (ok, WISEASS) way of explaining things to you will truly make you LOL. With cash advances for up to $250 (no interest, no tips and no credit check) Cleo makes finances fun.

Quick Pick:  Instant Cash Advances and a Side of Sass

Why is Cleo one of our favorite cash advance apps?

  • Super speed - Get up to $250 in your bank account today!2
  • No, No, No! - No credit check, no interest, no tips, no late fees
  • 😂 😂 🤣 - Hilarious, smart money advice you might finally listen to

Watch: Our Cleo video review

What is the Cleo app for?

Cleo is the no B.S. app that’s helped millions of Americans budget better, improve their credit score, and avoid overdraft fees with cash advances up up to $250.

As an AI-driven app, Cleo will share powerful insights and advice on your finances and is powered by a smart assistant that will have you cracking up (multiple times). 

After downloading Cleo you can set up your free account which includes a secure link to your bank account in under two minutes. Cleo instantly imports and analyzes your recent transactions, and the chatbot will ask you some quick questions about your goals and to better understand your earning and spending patterns. Then she’ll start helping you manage your money! 

Cleo flips between two modes:

  • Toast Me (for when you need a pick me up)
  • Roast Me (for those times when you want to be ripped to shreds) 

Both are hilarious and full of your (new) favorite memes and GIFs while giving you some useful financial advice you may actually pay attention to.

Jaw-dropping insights on how much you’re spending and where you’re spending money most often. Postmates, DoorDash and Uber addicts be prepared to get a good talking to!A boring, dull financial app that’s nothing more than a digital spreadsheet tracking your spending.
If you doze off using most money management apps, Cleo is for you.

Cleo breaks down your earnings, spending and bills in a way that may finally make it click for you. Then, you’ll receive practical recommendations on how you can easily spend less, save more and start making progress towards your financial goals.

🤓 Overdraft Apps Tip: Cleo does all of this with language you may not want to repeat in front of your mother (with a strong meme game). In its own words, Cleo is an app that “doesn’t suck”.

Cleo cash advance: What are the requirements?

You can borrow up to $250 with a Cleo cash advance. 

Here’s what you’ll need to know before you get started:

  • New users can borrow as much as $70 right away, which is a higher initial limit than most other cash advance apps. 
  • The transaction history of your linked bank account is Cleo’s primary assessment tool.
  • There is no credit check to borrow from Cleo, and no regular income is required, making Cleo a good option for freelancers and gig workers. 
  • Cleo is one of the few apps that provides cash advances to Uber drivers and DoorDashers.
  • You don’t need to change your direct deposit, or submit timesheets like apps like Earnin require. 
  • Funds are sent to your linked bank account, so you can use them for ATM withdrawals, debit card purchases, or however you like.
🤓 Overdraft Apps Tip: Setting up Cleo is fast and easy, and the app can get you cash with pretty amazing speed. Choose the express option ($3.99 – $9.99 fee applies) to get your money within 24 hours, or plan ahead and you can skip the fee, though your advance can take up to four business days to arrive. (In our own testing, we had cash in our bank account less than eight minutes after downloading the app with the express fee option!)
cleo budget

How much does a Cleo cash advance cost?

There are no interest or direct fees for Cleo cash advances, however, they may not necessarily be free. 

You’ll need to be a Cleo Plus for $5.99/month to access cash advances. If you want to get your money the same day, there’s also an express fee ranging from $3.99 – $9.99. Cleo doesn’t charge interest or late fees, and seems to be one of the places in America that still doesn’t ask for tips!

If you take out a $100 advance once per month and choose express delivery, you’ll pay $9.98 in fees. This is well below the $19.08 average cost of a $100 cash advance! Cleo is one of the few cash advance apps that will lend you $100 for less than ten dollars in fees. 

You can set your repayment date for up to 14 days after you take out your advance. You can also extend your repayment date for an additional 14 days with no interest or fees. If you’re unable to repay your cash advance, you won’t be able to borrow any additional money, however Cleo does not utilize debt collectors or report unpaid loans to credit bureaus.

Chart showing that the cost of borrowing a $100 cash advance from Cleo is $9.99 in fees.

What Other Features Does Cleo Offer?

  • Analyze your spending: Cleo automagically categorizes your spending and gives you the punchy highlights. The monthly earning vs. spending charts can be very eye-opening and Cleo is particularly good at identifying those small, frequent charges that add up to much more than you realize, such as food delivery or Amazon purchases.
  • Set monthly goals and spending targets: You may not want a rigid budget, and Cleo is a great tool if you do have a sense of where you could shop smart and shave a little spending. For example, maybe Cleo helped you identify that you spent way more than you would have liked at restaurants last month so you want to cut back by $200. 
  • Automate your savings: You can set up multiple savings goals, like save for a trip or build a reserve fund, and create an (optional) free Cleo Wallet account to use Cleo to move money and track your progress. Cleo offers easy set-it-and-forget-it savings hacks like rounding up purchases to the next dollar or allocating a few bucks from each paycheck.

All of these services are available on the free version of Cleo, with no subscription required.

Spend, save, laugh >>> Try Cleo for FREE 👈

Cleo app free trial

Before You Go: Get a Cleo Plus FREE Trial

Cleo is free to download and you can use most of its best features without paying for a subscription. Free features include:

  • Building a budget you might actually pay attention to
  • Effortless bill and spending tracking
  • Savings goals and monthly targets
  • Cleo Chat to help you stay on track, whether that’s through roastin’ or toastin’

If you’re ready to take it to the next level, you can bump up your subscription to Cleo Plus for $5.99 per month to get all of the free features, as well as:

  • Up to $250 in no interest, no credit check cash advances
  • Credit score coaching and analysis
  • Cashback offers on restaurants, retail, travel, and even gas and groceries!

Cleo Plus coupons or promo codes are usually not available (so don’t waste too much time copying and pasting invalid codes from coupon sites), but it’s easy to cancel Cleo directly from the app (no annoying phone calls to customer service) whenever you want to go back to a free account or just call it quits. 

Cleo does offer a $5/month discount for the first three months on its Credit Builder Secured Credit Card (regular price is $14.99/month); the discount is permanent for students.

There is currently no offer for a Cleo Plus free trial – but we found that doesn’t necessarily mean you’ll miss out on using Cleo’s best feature for free.

Do THIS for a Cleo Plus free trial…

We found a loophole in Cleo’s terms and conditions when putting together this ‘Meet Cleo’ app review. 

You can apply to borrow from Cleo without subscribing by emailing [email protected] and stating that you would like to receive a Salary Advance without subscribing to the Cleo Plus services. 

Create a Cleo account in two minutes 👈

Frequently Asked Questions About Cleo

Is the Cleo App Safe?

Yes. The Cleo app is safe. Sharing all your financial information – and access to your bank account – with a foul-mouthed app can be a scary proposition, but behind the scenes things are all business.

Cleo connects to your bank account via Plaid, the premier company in building ‘pipes’ for financial technology apps. Plaid not only makes it super-simple for you to link your bank account to Cleo, it also ensures that you’ve only granted read-only access, meaning that Cleo can see what’s happening in your bank account to give you spending and saving summaries and recommendations, but it can’t touch your money. 

Plus, Cleo protects data with bank-grade data encryption and doesn’t store your bank login information anywhere, so you don’t need to worry about hackers stealing it in a data breach.

How quickly can you get cash from Cleo’s SpotMe?

Funds usually take 3 – 4 business days to reach your bank account. If this is too long, you can pay a $3.99 express fee to get your funds in your account within 24 hours. Paying an express fee might not be top of your list, but it helps to know you can get your money instantly for a small fee.

Does Cleo give $100?

Yes. You can borrow up to $250 although new Cleo users are more likely to be capped around $70 – which is still much higher than many of the other money borrowing apps which are only willing to put $20 to $50 in your pocket as a new user.

You got this far, but decided this isn’t your jam? Check out these apps like Cleo instead.

  • Albert: $250 and the help of real Albert “geniuses” inside your app
  • Brigit: $250 with no interest or late fees to worry you (ahhhhh, that’s nice))
  • Dave: $500 cash advance available inside 60 seconds and for new users
  • MoneyLion: $1000 loan with no credit check and generous repayment options
  • Pockbox: $2,500 (or more) available even if your credit score is poor

WAIT! Why borrow quick cash when you can earn it?!

Cash advance apps can be a great tool for getting a little extra cash when you need it, but you’ll need to repay it – plus fees – wihtin a week or two. Did you know there’s an easy way to earn extra cash that’s yours to keep?

KashKick is a wildly popular service that lets you earn money for playing games, completing surveys, signing up for trial offers and more. (You’ll even earn cash for just completing your profile!) You can earn cash today and withdraw your earnings through PayPal once you’ve reached $10. You can earn over $100/month with KashKick – and you don’t need to spend a dime or take out your credit card to do it.

There are dozens of high-paying offers available on KashKick, and if you’re into playing new games on your phone, you can earn some serious cash for doing what you love. Though offers change regularly, there are currently1 more than three dozen offers available where you can earn cash – sometimes over $100 – just by downloading and playing popular games like Coin Master, Monoply Go, Bingo Blitz, and more. These games are all free to download, and no in-app purchases are required to earn with KashKick.

Get paid to play on your phone >>> Check out KashKick

Mitchel Harad
  1. As of February 13, 2024. Offers may change and may not be available to all users. Eligibity requirements apply. See KashKick's Terms of Service for full details.
  2. Eligibility requirements apply. Not all users will qualify. Advance amounts range from $20 to $250. Instant transfers subject to express fees. Visit for more information.

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