Cleo AI: Cash Advance & Budget
What is Cleo AI?
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.
Pricing. Cleo AI: Cash Advance & Budget is free to download on the App Store.
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
Screenshots
Why this app is in S tier
Cleo AI scores 87 out of 100: rating 94, rating count 94, App Store search rank 60, update recency 100. The four parts are averaged with no weights, and S tier follows from that score within this list. The full explanation, as data.
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
Compare in Cash Advances
| Measure | |||
|---|---|---|---|
| Tier | S | A | A |
| Score | 87 / 100 | 87 / 100 | 86 / 100 |
| Rating | 4.7 ★ | 4.9 ★ | 4.8 ★ |
| Ratings | 266K | 58.9K | 923K |
| Latest ratings · 180d | 2.4 ★ · 20 reviews | 3.0 ★ · 20 reviews | 3.4 ★ · 20 reviews |
| Last update | 4d ago | 18d ago | 9d ago |
| Price | Free download | Free | Free |
Alternatives
See all 39 ›Where else it ranks
Questions about Cleo AI
Do I need a subscription to get a cash advance?
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.
Does the cash advance charge interest or require a credit check?
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.
What savings rate does the listing state?
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.
Is Cleo AI free?
Cleo AI is free to download.
What is Cleo AI good for?
Cleo AI is built 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. It sits in the cash advances list on AppTierList.
Is Cleo AI worth it?
Cleo AI is S tier, ranked #1 of 40 cash advance apps with a score of 87 out of 100, from a 4.7 App Store rating across 265,933 ratings. That is the top of its list.
How does Cleo AI compare to Dayforce Wallet?
Cleo AI is S tier at 87; Dayforce Wallet is A tier at 87. They score the same. Cleo AI is free to download, Dayforce Wallet is free, with no in-app purchases.
How often is Cleo AI updated?
Cleo AI was updated 4 days ago, which counts in its favour.
All the facts
- List
- Cash Advances
- Tier
- S (Best in class)
- Score
- 87 / 100
- Rank in list
- #1 of 40
- Ranking certainty
- settled
- Price
- Free download
- App Store rating
- 4.7 out of 5
- Number of ratings
- 265,933
- Recent reviews
- 2.4 from 20 in the last 180 days
- Current version
- (4 days ago)
- App Store data read
- App Store category
- Finance
- 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
- Requires
- iOS 15.6 or later
- Size
- 159 MB
- Age rating
- 9+
- Languages
- 1
- Maker
- unclaimed
- As data
- JSON · why it ranks here
Ranking refreshed · how it is computed