Cleo AI: Cash Advance & Budget

• Free

Last verified 30 Aug 2026

• Free to download

Last verified 31 Aug 2026

4.7 258320 ratings · App Store

1. 5/5Best financial app hands down

   Cleo is an innovative financial assistant app that uses AI to help you manage your money in a fun and engaging way. What sets Cleo apart is its witty, conversational style that makes budgeting and saving feel less like a chore and more like chatting with a clever friend. The app connects securely to your bank accounts and provides insights into your spending habits, offers budgeting tips, and even gives you a playful nudge when you're overspending. One of the standout features is the ability to set saving goals, and Cleo will help you stay on track with them, offering tips and challenges to boost your savings. The app's chatbot is responsive and helpful, with a range of financial tools like a savings account (Cleo Wallet), cashback offers, and a salary advance feature called Cleo Cover. However, the app might not be for everyone. Some users might find the tone a bit too casual or prefer a more traditional financial management tool. Additionally, while Cleo is great for tracking day-to-day spending, it lacks more advanced investment features. Overall, Cleo is a fantastic app for those looking for a lighthearted but effective way to manage their finances. It's particularly suited for younger users who appreciate a bit of humor with their budgeting. **Pros:** - Engaging, conversational interface - Effective budgeting tools and spending insights - Savings goals and challenges - Salary advance feature (Cleo Cover) **Cons:** - Casual tone may not appeal to everyone - Lacks advanced investment feats

   Cleo Lover 69 · 30 Aug 2026

2. 5/5Definitely the most interactive money app with added features that are entertaining for sure

   The only app I have that is not free but it’s definitely worth the small price of a subscription for the amount of interactive content and the weekly quiz that you have the opportunity to win a significant amount of money for free to play and get a good amount of knowledge about what you’re doing with your money and the fact that it’s not as easy to get the question right as you would think it is to be able to answer questions about your own spending habits and the result that you could possibly win $4000 dollars every week and the fact that you can be quickly increased in the amount of money that you can access in times of need is faster than any other app that I have experienced so for the few reasons I mentioned above I would say it’s worth the small price to cover the cost of a monthly subscription and the possibility that you can win enough money in a simple weekly quiz to cover the cost of your subscription fee for the next several years is definitely worth it for sure I don’t normally share the invitation link to invite people who probably wouldn’t even know about this app and I do occasionally share the link to the people that I know that would definitely be satisfied with this app for sure

   zdizzle720 · 30 Aug 2026

3. 3/5I’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.

   Lina210618 · 30 Aug 2026

4. 5/5Best of All Cash Advance Apps!

   One of, if not THE BEST cash advance app on the market! I also have the Cleo Credit Builder Card, which has helped to improve my credit score tremendously! I also really enjoy the Cleo Chat feature. Specifically, the way Cleo responds to messages. I find the whole “roasting” aspect and Cleo’s “shade throwing” quite fun! An app definitely marketed to the younger age group, but anyone who appreciates “ball busting” humor will get a kick out of Cleo’s responses. However, now that A.I. has made its way into society & usage has skyrocketed exponentially since it started rolling out, I was wondering if this will eventually be integrated into Cleo? I think having A.I. capabilities integrated with Cleo would be a game changer! Not only would Cleo’s responses be more personalized to each individual user, but it will make the experience more custom and cater to each Cleo User’s personality & habits! Cleo would certainly be more useful & I imagine more Cleo users will end up utilizing the chat feature more! Anywho, just a thought and curious! But anywho, Cleo is a wonderful app and I highly recommend those who are already using other apps such as Earnin, FloatMe, Brigit, Empower, Albert, SoLo Funds, Dave, Varo, etc. Will find Cleo to be the one leading the pack!

   b1itzcraig · 30 Aug 2026

5. 4/5Good, however….

   I actually really love this app. It’s been extremely helpful in times where I really need money. HOWEVER, I think it’s a terrible and unfair thing for them to only give you the option to receive an immediate advance straight into your credit builder card (through Cleo if you sign up for one) instead of your preferred bank account. If you don’t choose the bank account method (where it takes 3-4 days to deposit the advance into your bank account) you essentially end up paying Cleo a LOT of money. One, in repaying back your advance and two, in repaying back the advance amount again through your credit builder. Understandably, we have to pay back whatever we spend on our credit builder. However, I do not want to have repay $600 in advance payments per month as well as $600 in credit build their payments either. That essentially adds up to $1200 per month. If I end up taking out $600 in advance payments I’d like to only pay that back to Cleo and have the option. Paying back whatever amount of $100 or less that I decide to put on my credit builder, instead of the forced amount of whatever I may have needed to take out immediately and add to my credit builder because I didn’t have a choice in the moment. Please give credit builder customers and option to receive their cash advance immediately their preferred debit cards!

   Ms K707 · 30 Aug 2026

4.7 149051 ratings · Google Play

1. 5/5

   This application is quite enjoyable. The associated fees are reasonable, and it is worth noting that Clio can be quite helpful in resolving difficulties, particularly in challenging situations. I would highly recommend giving it a try.

   Windrake · 1 Aug 2026

2. 5/5

   I love da app it really helps out alot

   Decedric Adams · 1 Aug 2026

3. 1/5

   lies

   Raptor · 1 Aug 2026

4. 5/5

   money is there when you need it

   Patricia Penny · 1 Aug 2026

5. 5/5

   very helpful in time of need

   James hammett · 1 Aug 2026

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• 3.68.0 · 28 Jul 2026
• 3.73.0 · 25 Aug 2026