Cleo: AI Budget & Cash Advance

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 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.

LEGAL STUFF
*Eligibility requirements apply. Not all users will qualify. Advance amounts range from $20 to $250. Same-day transfers subject to express fees. Visit meetcleo.com/terms 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 [email protected]. To learn more about eligibility, repayment, and overall terms, please visit: meetcleo.com/terms

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: meetcleo.com/terms.
Learn more about how we share and protect your data at meetcleo.com/page/privacy-policy