--- title: "Cleo AI: Cash Advance & Budget - Отзывы, Доход и Загрузки приложения in Соединенные Штаты | Apple App Store" description: "An AI money coach you can actually talk to. Cleo helps 8+ million users budget, save, build credit, or get a cash advance in those low-balance moments. AI MEETS MONEY Cleo turns money stress into a " --- # Cleo AI: Cash Advance & Budget — Соединенные Штаты > Credit Builder & Savings Goals ![Cleo AI App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/76/35/43/763543c1-5b35-11d8-11c7-9b7115e76262/AppIcon-0-0-1x_U007ephone-0-11-0-85-220.png/400x400bb.png) **Developer:** [Cleo AI](https://apptail.io/ru/developer/cleo-ai-wWL) **Category:** Finance **Rating:** 4.7/5 (265,109 ratings) **Price:** Free **Bundle ID:** com.meetcleo.cleo **Store:** Apple App Store **Country:** Соединенные Штаты **Version:** 3.81.0 (released 2026-10-09) **Original Release:** 2019-02-23 **App Store Link:** [Download on Apple App Store](https://apps.apple.com/us/app/app/id1447274646) **AppTail Page:** [https://apptail.io/ru/app/cleo-ai-cash-advance-budget-cjO/united-states](https://apptail.io/ru/app/cleo-ai-cash-advance-budget-cjO/united-states) ## Cleo AI Description An AI money coach you can actually talk to. Cleo helps 8+ million users budget, save, build credit, or get a cash advance in those low-balance moments. AI MEETS MONEY Cleo turns money stress into a simple chat, where you can ask questions and learn about your finances (like a human). Want to know how much you spent on takeout last month? Just ask Cleo…she has thoughts. 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 WITH 2.72% APY Grow your wealth with high-yield savings almost nine times higher than the national average. AUTOPILOT Automate your money moves with Autopilot. Get a custom roadmap to reach your financial destination that adjusts with daily spending, and offers tips and actions to keep you on track easily. 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, cash advance and score coaching. $1 minimum deposit. MONEY IQ Money IQ is Cleo’s weekly quiz game that tests your knowledge about your own spending habits. Answer trivia questions correctly for a chance to win cash prizes up to $4K every week. DEBT RESET Cleo collects and organizes your debt into a single easy-to-use dashboard, tells you which payments to prioritize, and creates a plan to help you pay everything off on a sustainable timeline. VOICE You can now talk with Cleo through real-time, two-way voice conversations. LEGAL STUFF (1) Cash Advance is subject to eligibility. Amounts are based on accrued, unpaid income and range from $20-$250, and $20-$100 for first-time users. Amounts subject to change. Users can take a max disbursement of up to $170 per day. Same day transfers subject to express fees of $3.99-$14.99 based on amount. You may also request a Cash Advance without subscribing by contacting team@meetcleo.com (2) The interest rate on your account is 2.72% with an Annual Percentage Yield (APY) of 2.75%, effective as of 12/11/2025. Rate is variable and is subject to change after account opening. Fees may reduce earnings. (3) Cleo Card issued by WebBank, Member FDIC. Subject to approval. (4) Participation does not guarantee a prize. No purchase or subscription necessary, see sweepstakes rules for more information. To qualify for Money IQ, you must have at least (1) bank account connected to the Cleo app with sufficient account activity to generate personalized finance questions. Not available in Rhode Island, see official rules for more information. (5) Debt reset requires a paid subscription. The debt-free date is calculated based on user provisioned data, see Debt Reset within the Cleo app for more information. Actual results may vary. (6) Early access to direct deposit funds not guaranteed, timing may vary. The Cleo Grow subscription service offers users savings goals, hacks, challenges, and access to an annual percentage yield (APY) on savings. The Cleo Plus subscription offers saving goals, hacks, challenges, APY on savings, credit score insights, and access to cash advances if eligible. The Cleo Credit Builder subscription offers saving goals, hacks, challenges, APY on savings, credit score insights, cash advances if eligible, credit history, and priority support. Cleo is not affiliated with Credit Karma, Kikoff Credit Builder Loan, Experian Credit Check, Credit One, Credit Strong, Intuit Credit Karma, Albert, Earnin, Dave Bank, Brigit, Chime, Klover, loan apps, Money Lion, FloatMe Cash Advances, Empower, money apps, Cash Advance, Vola, Grid Money, Venmo, Beem, Line Credit, Rocket Money, Possible Finance, CashNetUSA, Rain Cash Advance, Branch paycheck loans, or Gerald payday credit loans app Learn more about how we share and protect your data at meetcleo.com/page/privacy-policy ## Cleo AI Screenshots - [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/68/36/76/683676c1-f30c-7a0b-1c64-ec1fc7b4d156/ASO_Static_Core_CPP-IT2164.1-02-Join8Mil_CRID2303.png/1242x2688.png) - [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/cc/93/44/cc93441b-3ecb-3763-ba18-4b96187c76df/ASO_CPP_JulyGTM-Consumer-AI-Owned_U0028Request_U0029_CRID2164.8.png/1242x2688.png) - [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/40/65/ce/4065ce83-2fba-e3a5-1695-63db43496807/IOS_image.jpg/1242x2688.png) - [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/1d/f4/ca/1df4ca24-66ae-dcdc-ffd2-f865ebb606c5/ASO_CPP_JulyGTM-Consumer-AI-Owned_CRID2164.3.png/1242x2688.png) - [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/d8/ba/05/d8ba056c-37e6-0f9e-49e6-1552aafac6c7/Core_Static_MoneyIQ-ASA_IT2164.4-NewCopyV02_CRID2654.jpg/1242x2688.png) - [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/dd/f1/a4/ddf1a497-32af-0e47-e38e-9c8deb41901e/ASO_CPP_JulyGTM-Consumer-AI-Owned_CRID2164.2.png/1242x2688.png) - [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/d1/a6/6e/d1a66ed5-81e5-0f83-2a43-5db1f07bf3c7/ASO_CPP_JulyGTM-Consumer-AI-Owned_CRID2164.5.png/1242x2688.png) - [Screenshot 8](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/9e/a9/a8/9ea9a8fd-81e9-22f6-5b90-3fe15ff5464a/ASO_CPP_JulyGTM-Consumer-AI-Owned_CRID2164.6.png/1242x2688.png) - [Screenshot 9](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/ca/e9/63/cae963df-c84c-fa7c-75f9-a8f7cc030755/ASO_CPP_JulyGTM-Consumer-AI-Owned_CRID2164.7.png/1242x2688.png) ## Cleo AI Rating Breakdown in Соединенные Штаты - 5 stars: 233,130 (88%) - 4 stars: 10,686 (4%) - 3 stars: 3,826 (1%) - 2 stars: 2,117 (1%) - 1 stars: 15,350 (6%) ## Cleo AI Reviews in Соединенные Штаты ### *---- "Worst app" This app is worst of all. It charges 6 dollar for getting $20. And also $6 for subscribing. At the end you are charging almost 80% interest for holding a week your money. -- Sultan4ahmed, 2026-09-12 ### *---- "Worst app ever" They screwed me over so many times. They randomly take money out of your account with no explanation. They send your money where ever they want instead of where you choose to have it sent! -- 🖤👏🏿, 2026-09-12 ### ***** "Thumbs Up!" Cleo is there for me, as I only get paid once a month! Ease of borrowing and delivery is EXCELLENT! -- sjk1951, 2026-09-12 ### ***** "Good sever" Your service helps me went I need urgent assistance -- audreygoodas, 2026-09-12 ### ***** "Farah" Abdi Farah -- Farah has the, 2026-09-12 ### *---- "Pay to get $20" I paid $17 to get $20. -- Andyman2023!, 2026-09-12 ### ***** "Get with the program! It is 2026" Gave it 5 stars so consumers will see this! Should be minus 10. No advance, my payroll is direct deposited into my PayPal , not to much I can do there to change that. Pay monthly to keep getting rejection. No Thank you! You and these other rip off cash advance apps need to get with the program, quit charging such ridiculous fees, and if I have a checking account number and routing number with PayPal why on earth is this not compatible -- Linden1966, 2026-09-12 ### *---- "Used to be good" I have never had issues until now. I have available credit to use yet I am unable to order a new card because mine expired and everytime I try it says “try again in 10 minutes system is having difficulty” when trying to speak to someone for help it’s mostly AI and there has been no resolution in over 2 weeks. -- horseygal19931993, 2026-09-11 ### *---- "Do not patronize this company they steal your money" Cleo is one of the worst cash advance companies out there! For a $30 cash advance I’ve already paid double back in fees. I am closing my account today. Don’t be stupid like I was run as fast as you can from this App! -- Oppieduppie, 2026-09-11 ### *---- "z" App is terrible . -- Mybbbn, 2026-09-11 ### ***** "Service great" 5 -- Abdul Haqq77, 2026-09-11 ### ***** "Loan" Always perfect for me when I need it -- Brie no, 2026-09-11 ### *---- "Impossible to get support" AI refuses to escalate to a human. No phone number to call. Unbelievably frustrating. -- Vicki Special, 2026-09-11 ### *---- "Cleo" Terrible -- Stephanie_Mayhew1, 2026-09-11 ### ***** "Top Cleo" Best ever! -- Awesomeness$$!, 2026-09-11 ### *---- "Terrible" I don’t recommend using this app -- Asshol, 2026-09-11 ### ***** "Good choice" Love that I can borrow money and they help manage and track my spending. Will recommend them to friends. -- BreezyyyBree12, 2026-09-11 ### *---- "I hate this app" Open this stupid account back in August 1 was supposed to get my debit card August 19 here it is September 11 and still no debit card. They don’t have a phone number to contact anybody. Everything you have to do you have to go into a chat portal you have to pay for a 14.99 subscription every month just for you too get your direct deposit to go into your account. They take money out your account without your permission. -- DaModelQueen, 2026-09-11 ### ***** "Great backup" Cleo is like having a responsible friend when in a pinch. -- exit 30 grandpa, 2026-09-11 ### ***** "Great!" Cleo comes in clutch! -- sammyjo14, 2026-09-11 [View all Cleo AI reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews) ## Cleo AI Store Rankings | Chart | Country | Category | Rank | |-------|---------|----------|------| | Топ бесплатных | Соединенные Штаты | Finance | #34 | | Топ бесплатных | Великобритания | Finance | #64 | ## Cleo AI Discovered Keywords - advance - apps like empower - advance money - klover - borrow money - payday advance - pay advance app - payday instant cash advance - 250 - cash in advance ## Apps Similar to Cleo AI - [Vola: Cash Advance & Credit](https://apptail.io/ru/app/vola-cash-advance-credit-uOm/united-states) - [Grid Money](https://apptail.io/ru/app/grid-money-pvs/united-states) - [B9: Cash Advance](https://apptail.io/ru/app/b9-cash-advance-uay/united-states) - [Credit Genie: Get Cash Advance](https://apptail.io/ru/app/credit-genie-get-cash-advance-qWF/united-states) - [Gerald - Cash Advance](https://apptail.io/ru/app/gerald-cash-advance-sMH/united-states) - [Beem: Cash Advance & Banking](https://apptail.io/ru/app/beem-cash-advance-banking-uMH/united-states) - [Kora Money](https://apptail.io/ru/app/kora-money-vMH/united-states) - [Lenme: Borrowing and Lending](https://apptail.io/ru/app/lenme-borrowing-and-lending-txL/united-states) - [OneBlinc Cash Advance](https://apptail.io/ru/app/oneblinc-cash-advance-MUQ/united-states) - [Grant Cash Advance](https://apptail.io/ru/app/grant-cash-advance-dyXo/united-states) ## Cleo AI Available In - [Соединенные Штаты](https://apptail.io/ru/app/cleo-ai-cash-advance-budget-cjO/united-states) - [Великобритания](https://apptail.io/ru/app/cleo-ai-cash-advance-budget-cjO/united-kingdom) --- ## About AppTail [AppTail](https://apptail.io/ru) is a mobile app intelligence platform providing app analytics, ASO (App Store Optimization) tools, keyword tracking, competitor analysis, revenue estimates, and review monitoring for iOS App Store apps. 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