By AppHub Editorial Team · Updated August 3, 2026
Cleo AI: Cash Advance & Money
Overview
Finance
Cleo AI
Free
Feb 21, 2019
3.55.0
10
No
May 28, 2026
Features
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 advan...
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 MONEYCleo 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 ADVANCEDump your overpriced overdraft and get a spot from Cleo instead. Cleo’s up to $250 cash advance has:
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Ratings breakdown
129,000 reviewsDeveloper contact
Name
CLEO AI LTD.
Address
40 Finsbury Square LONDON EC2A 1PX United Kingdom
Website
https://meetcleo.comPhone
+44 7380 266925
Support
team@meetcleo.com
Privacy
View policyFrequently Asked Questions
Is Cleo AI free to use? high
Cleo AI has a free basic version. However, many core features like cash advances and debt reset require a paid subscription (Cleo Grow, Plus, or Credit Builder). Users in recent reviews have reported being pushed to subscribe.
Source: app_metadata, user_reviews
How fast can I get a cash advance from Cleo? high
Cleo offers up to a $250 cash advance. For immediate access, a same-day transfer fee of $3.99 to $14.99 applies. Standard transfers may take several business days. Recent reviews report getting stuck on a loading screen during the last step of the process.
Source: app_metadata, user_reviews
Does Cleo check my credit for a cash advance? high
No, Cleo states its cash advances have no credit checks and no late fees. Eligibility is based on your accrued, unpaid income.
Source: app_metadata
Is Cleo a scam? high
Cleo is a legitimate financial app with 5+ million downloads and a 4.4 rating from 129,000 reviews. However, some recent users have complained about fees, subscription pressure, and technical issues, which may feel 'scammy' to some.
Source: ratings_data, app_metadata, user_reviews
Why is my Cleo app stuck on loading? medium
Some users have reported the app getting stuck on a loading screen, particularly during the cash advance process. This appears to be a recent bug triggered after an update. Restarting the app or device may help, but it's a known issue from recent feedback.
Source: user_reviews
How to Use
Cleo AI is an AI-powered money coach that helps you budget, save, get cash advances, build credit, and manage debt through a conversational chat interface. (app_description)
Getting Started
Source: app_description_and_user_feedback_noted
- Download and open the Cleo AI app, then create an account using your phone number or email.
- Connect your primary bank account to allow Cleo to analyze your spending, income, and balances.
- To request a cash advance, navigate to the 'Cash Advance' section, check your eligibility (up to $250), and choose your amount and transfer method. Be aware that same-day transfers have a fee.
- Set up a savings goal, debt dashboard, or the 'Autopilot' feature to automate budgeting and savings with the 2.75% APY.
- If you encounter the loading bug during the advance process, try force-closing the app and restarting it, or contact support.
- Review your subscription options. If you don't see value in the free tier, you may be prompted to subscribe for core features like cash advances.
Key Features (from app listing)
Source: app_description
- AI-powered financial chat coach for budgeting and spending questions
- Cash advances up to $250 with no interest, no credit checks, and no late fees
- High-yield savings account with 2.75% APY
- Autopilot feature for automated budgeting and savings goals
- Credit Builder program (via Cleo Card from WebBank) with no credit check
- Money IQ weekly trivia game for a chance to win cash prizes up to $4,000
- Debt Reset dashboard to organize and prioritize debt payments
- Real-time voice conversation capability
The tip responds to a verified user complaint from the recent reviews sample, where 2 of 5 reviewers independently reported a loading screen bug during the cash advance process.
How this content was created
Content type: pattern_analysis_of_user_reviews_and_metadata
AI generated: Yes
- Google Play user reviews (5 per app), May 2025 to May 2026
- Google Play ratings distribution
- App Store listing metadata
- Review samples are not statistically representative of all user sentiment
- Only 5 recent reviews were available; no high-engagement or mixed buckets were provided
- Claims labeled 'low confidence' are based on single-review observations only
- No real-world app testing was conducted
- Feature availability may vary by region, device, and app version
- App description mentions multiple subscription tiers and features not all tested by user feedback in the sample
Pros & Cons
Based on analysis of Google Play user reviews
Pros
- Recent users report a loading screen bug that prevents completing cash advances medium
Theme 'loading screen breakdown' identified independently in 2 of 5 recent reviews. Review #3 describes getting stuck at the final step of an advance. Review #1 mentions the app has become difficult to load.
Evidence (2)
“since the most recent update, I'm also getting stuck on "loading" when I attempt to get my advance. This is at the last step after choosing the amount and to where, pay-back method, and date.”Rating: 2★ May 04, 2026 5 likes“the app has gotten so difficult to load lately.”Rating: 1★ May 06, 2025 700 likes - Some users feel the app's fee structure is confusing or feels scammy medium
Theme 'fees/cost' identified in 2 of 5 recent reviews. Review #1 describes not being able to access the full amount without multiple fees, calling the app a 'scam.' Review #4 describes being forced into a subscription to use the service and not being happy with the offering.
Evidence (2)
“I'm eligible for $300, but I can only take up to $100 per 24 hours, and if I want it quicker I have to pay the 8 dollar fee for each transaction. That's AFTER paying the monthly fee. Plus, the app has gotten so difficult to load lately.”Rating: 1★ May 06, 2025 700 likes“Even though it tells you, you do not need to subscribe. In order to use the service, it will force you to pick a subscription anyways. I chose the $5.99 basic package to see what they had to offer. I was not happy with their offering. ($40 with a non optional $6.99 instant deposit fee)”Rating: 1★ April 25, 2026 8 likes
Cons
- Recent users report unresolved technical issues with bank connection for free advances low
Theme 'bank connection failure' identified in 1 of 5 recent reviews. Review #5 reports that the free bank-to-advance option fails repeatedly despite trying at different times of day, and customer support was unhelpful. This is a single-review observation.
Evidence (1)
“I cannot use the bank free option for my advance because it fails and CS said it's because of the bank connection being busy but I have tried multiple times at different times of the day still doesn't work.”Rating: 1★ May 05, 2026 1 likes - A recent user reports being forced into a subscription after cancellation low
Theme 'forced subscription' identified in 1 of 5 recent reviews. Review #4 reports that after canceling a subscription, the app still forced them to pick a new subscription to use the service. This is a single-review observation.
Evidence (1)
“I canceled th”Rating: 1★ April 25, 2026 8 likes
Recent Reviews
Lindsey Baker
1★App used to be decent, now it all just feels like a scam. I'm eligible for $300, but I can only take up to $100 per 24 hours, and if I want it quicker I have to pay the 8 dollar fee for each transaction. That's AFTER paying the monthly fee. Plus, the app has gotten so difficult to load lately. I haven't even been able to check anything on it at all today, I keep being told "there's been a problem". I think this app is on it's way out the door, and I'm deleting. There are way better options.
Laura Mooney
1★Unsure about app currently. I have been using for some time now and just recently started having problems with it. I had to fully remove my checking account, uninstall, and re-install just to see if it was a user error vs an app issue. Will report back shortly. **Edit: re-installed and still no dice. I cannot add or update my checking account information at all to use.
Jess G
2★Like a couple other reviews said, since the most recent update, I'm also getting stuck on "loading" when I attempt to get my advance. This is at the last step after choosing the amount and to where, pay-back method, and date. I've been using Cleo for YEARS, more consistently and with less issues than many of the other cash advance apps, this is the first time having a problem, but to me, should have been fixed by now (more promptly), especially when one is paying a subscription fee. Please fix!!
James Elmore
1★Even though it tells you, you do not need to subscribe. In order to use the service, it will force you to pick a subscription anyways. I chose the $5.99 basic package to see what they had to offer. I was not happy with their offering. ($40 with a non optional $6.99 instant deposit fee) I canceled the service and they refuse any type of refund. If I could give them zero stars, I would.
Amber Velez
1★This app use to be good. Not anymore and don't count on customer service to be of help. I cannot use the bank free option for my advance because it fails and CS said it's because of the bank connection being busy but I have tried multiple times at different times of the day still doesn't work. So the only option is the express which is $10.99. Also, you can't take the total amount approved for at once but only a small amount at a time and have to wait 24 hours for each request.