{"app_store_id":1447274646,"slug":"cleo-ai-cash-advance-budget-1447274646","name":"Cleo AI: Cash Advance & Budget","subtitle":"Credit Builder & Savings Goals","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/bf/03/6e/bf036e5a-cddb-acf5-eddd-9dfd40bcf136/AppIcon-0-0-1x_U007ephone-0-11-0-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/cleo-ai-cash-advance-budget/id1447274646?uo=4","price":0,"currency":"USD","rating":4.67404,"rating_count":266215,"in_app_purchases":false,"recent_rating":2.4,"recent_review_count":20,"reviews_checked_at":"2026-10-17T15:14:13.395Z","primary_genre":"Finance","version_date":"2026-10-22T05:16:00Z","updated_at":"2026-10-22T16:43:13.416Z","stale":false,"missing_since":null,"one_liner":"AI money app offering budgeting chat, cash advances up to $250, savings, credit building and debt planning.","verified_maker":false,"maker_site":null,"file_size_bytes":171297792,"minimum_os":"15.6","content_rating":"9+","language_count":1,"screenshots":["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/320x480bb.jpg","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/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/40/65/ce/4065ce83-2fba-e3a5-1695-63db43496807/IOS_image.jpg/320x480bb.jpg","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/320x480bb.jpg","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/320x480bb.jpg","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/320x480bb.jpg","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/320x480bb.jpg","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/320x480bb.jpg"],"developer_name":"Cleo AI Ltd","editors_choice":false,"url":"https://apptierlist.com/apps/cleo-ai-cash-advance-budget-1447274646/","api_url":"https://apptierlist.com/api/v1/apps/cleo-ai-cash-advance-budget-1447274646","schema_version":"1.0","generated_at":"2026-10-23T08:47:29.212Z","data_as_of":"2026-10-23T06:32:22.663Z","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.\n\nAI MEETS MONEY\n\nCleo turns money stress into a simple chat, where you can ask questions and learn about your finances (like a human).\n\nWant to know how much you spent on takeout last month? Just ask Cleo...she has thoughts.\n\nGET UP TO A $250 CASH ADVANCE\n\nDump your overpriced overdraft and get a spot from Cleo instead. Cleo’s up to $250 cash advance has:\n\n- No interest (APR)\n- No credit checks\n- No late fees\n- No direct deposit required\n\nSAVE WITH 2.72% APY\n\nGrow your wealth with high-yield savings almost nine times higher than the national average.\n\nAUTOPILOT\n\nAutomate 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.\n\nBUILD CREDIT (WITHOUT A CREDIT CARD)\n\nGlide 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.\n\nMONEY IQ\n\nMoney 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.\n\nDEBT RESET\n\nCleo 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.\n\nVOICE\n\nYou can now talk with Cleo through real-time, two-way voice conversations.\n\nLEGAL STUFF\n\n(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\n\n(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.\n\n(3) Cleo Card issued by WebBank, Member FDIC. Subject to approval.\n\n(4) Participation does not guarantee a prize. No purchase or subscription necessary, see sweepstakes rules for more information.\n\nTo 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.\n\n(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.\n\n(6) Early access to direct deposit funds not guaranteed, timing may vary.\n\nThe Cleo Grow subscription service offers users savings goals, hacks, challenges, and access to an annual percentage yield (APY) on savings.\n\nThe Cleo Plus subscription offers saving goals, hacks, challenges, APY on savings, credit score insights, and access to cash advances if eligible.\n\nThe Cleo Credit Builder subscription offers saving goals, hacks, challenges, APY on savings, credit score insights, cash advances if eligible, credit history, and priority support.\n\nCleo 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\n\nLearn more about how we share and protect your data at meetcleo.com/page/privacy-policy","facts":{"developer_id":1447274645,"developer_url":"https://meetcleo.com/","first_released":"2019-02-23T21:10:34Z","support_url":"https://help.meetcleo.com/","privacy_url":"https://www.meetcleo.com/privacy","website_url":"https://meetcleo.com/","app_version":"3.84.0","release_notes":"Bug fixes & minor improvements. Watch this space.","rating_current_version":4.67404,"rating_count_current_version":266215,"star_counts":[15459,2138,3839,10712,233916],"genres":["Finance","Productivity"],"languages":["EN"],"content_advisories":["Infrequent/Mild Profanity or Crude Humor"],"device_families":["iphone","ipod"],"made_for_iphone_duo":null,"chart":{"name":"top-free Finance","position":38}},"freshness":{"apple_read_at":"2026-10-22T16:43:13.416Z","catalog_read_at":"2026-10-20T15:24:13.381Z","reviews_checked_at":"2026-10-17T15:14:13.395Z","summary_written_at":"2026-10-16T15:41:49.309Z","placed_at":"2026-10-09T03:59:53.925Z","scored_at":"2026-10-23T06:32:22.663Z"},"editorial":{"one_liner":"AI money app offering budgeting chat, cash advances up to $250, savings, credit building and debt planning.","what_is":"Cleo is a finance app where users chat with an AI assistant about their spending, budgets and savings. The listing also describes cash advances of up to $250, a savings account at 2.72% interest, Autopilot roadmaps, credit-building tools, the Money IQ quiz game, Debt Reset planning and two-way voice chat.","good_for":["Covering a short-term gap before payday with a cash advance","Asking an AI chat assistant questions about your spending","Combining several debts into one dashboard with a payoff plan"],"pricing":"Cleo AI: Cash Advance & Budget is free, with no in-app purchases on the App Store.","faq":[{"q":"Do I need a subscription to get a cash advance?","a":"You can request a Cash Advance without subscribing by contacting team@meetcleo.com. Amounts range from $20 to $250, or $20 to $100 for first-time users, and are subject to eligibility."},{"q":"Does the cash advance charge interest or require a credit check?","a":"The cash advance has no interest (APR), no credit checks, no late fees and no direct deposit requirement. Users can take up to $170 per day, and same day transfers carry express fees of $3.99 to $14.99."},{"q":"What savings rate does the listing state?","a":"The listing states an interest rate of 2.72% with an APY of 2.75%, effective 12/11/2025. The rate is variable, may change after account opening, and fees may reduce earnings."}],"model":"claude-haiku-5-5","created_at":"2026-10-16T15:41:49.309Z"},"memberships":[{"list":"cash-advances","list_name":"cash advances","list_status":"active","list_url":"https://apptierlist.com/best/cash-advances/","position":1,"tier":"S","score":86.6,"components":{"rating":93.4,"votes":94.3,"rank":58.6,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-09T03:59:53.925Z"},{"list":"money-management","list_name":"money management","list_status":"active","list_url":"https://apptierlist.com/best/money-management/","position":14,"tier":"A","score":87.7,"components":{"rating":93.5,"votes":94.3,"rank":63.2,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-09T03:59:53.925Z"}],"main_list":"cash-advances","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"maker":null,"history":[{"id":114725,"at":"2026-10-16T01:07:51.805Z","kind":"tier_changed","list":"money-management","app_store_id":1447274646,"app":"cleo-ai-cash-advance-budget-1447274646","from":null,"to":"A","reason":"checked from the list's side: ranked #3","job":"rescore"},{"id":114723,"at":"2026-10-16T01:07:51.805Z","kind":"tier_changed","list":"cash-advances","app_store_id":1447274646,"app":"cleo-ai-cash-advance-budget-1447274646","from":null,"to":"S","reason":"checked from the list's side: ranked #1","job":"rescore"},{"id":107694,"at":"2026-10-15T15:15:01.036Z","kind":"tier_changed","list":"cash-advances","app_store_id":1447274646,"app":"cleo-ai-cash-advance-budget-1447274646","from":"S","to":null,"reason":"under review: not checked from the list's side yet","job":"rescore"},{"id":63090,"at":"2026-10-12T17:06:00.123Z","kind":"tier_changed","list":"cash-advances","app_store_id":1447274646,"app":"cleo-ai-cash-advance-budget-1447274646","from":"A","to":"S","reason":"score 86.8","job":"rescore"},{"id":50397,"at":"2026-10-10T06:45:02.955Z","kind":"tier_changed","list":"money-management","app_store_id":1447274646,"app":"cleo-ai-cash-advance-budget-1447274646","from":"D","to":"A","reason":"score 87","job":"rescore"},{"id":45910,"at":"2026-10-09T16:30:49.977Z","kind":"tier_changed","list":"money-management","app_store_id":1447274646,"app":"cleo-ai-cash-advance-budget-1447274646","from":null,"to":"D","reason":"score 71.9","job":"rescore"},{"id":45396,"at":"2026-10-09T15:59:34.008Z","kind":"tier_changed","list":"cash-advances","app_store_id":1447274646,"app":"cleo-ai-cash-advance-budget-1447274646","from":"D","to":"A","reason":"score 86.7","job":"rescore"},{"id":37803,"at":"2026-10-09T07:22:03.522Z","kind":"tier_changed","list":"cash-advances","app_store_id":1447274646,"app":"cleo-ai-cash-advance-budget-1447274646","from":null,"to":"D","reason":"score 71.9","job":"rescore"},{"id":27238,"at":"2026-10-09T03:59:53.925Z","kind":"membership_added","list":"money-management","app_store_id":1447274646,"app":"cleo-ai-cash-advance-budget-1447274646","from":null,"to":"active","reason":"placed by the category system","job":"fill"},{"id":27237,"at":"2026-10-09T03:59:53.925Z","kind":"membership_added","list":"cash-advances","app_store_id":1447274646,"app":"cleo-ai-cash-advance-budget-1447274646","from":null,"to":"active","reason":"Headline feature: up to $250 cash advance with no interest, credit check or late fees, and it is in the app's title.","job":"fill"},{"id":21370,"at":"2026-10-09T03:10:04.928Z","kind":"app_added","list":null,"app_store_id":1447274646,"app":"cleo-ai-cash-advance-budget-1447274646","from":null,"to":null,"reason":"discovered","job":"fill"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); 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