Cleo: Budget & Cash Advance✓

Name: Cleo: Budget & Cash Advance
Price: free USD
Rating: 4.2 (64743 reviews)

4.2★★★★★

Name :: Cleo: Budget & Cash Advance
Category:: Finance
Safety :: 100% Safe
Price:: free
Developer:: Cleo AI
Download :: 1M+

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App Intro

Cleo is an AI-powered financial companion designed to make managing your money more conversational and less intimidating. It’s built for anyone who finds traditional budgeting and saving tools boring or restrictive. Whether you’re looking to get a handle on your spending, build up your savings with a competitive interest rate, secure a small cash advance without hassle, or even start building your credit history from scratch, Cleo offers a unique, chat-based approach. It connects to your bank accounts via Plaid to provide personalized insights and actionable advice, all delivered through an engaging interface. For those who want a more proactive and less stressful way to navigate their finances, Cleo aims to be that friendly, knowledgeable guide in your pocket.

Feature Guides

Chat with Cleo to ask about your spending habits, get budget advice, or understand your financial situation in simple terms. It’s like talking to a friend, but one that actually helps you save money! 🤑
Access cash advances of up to $250 with no interest, credit checks, or late fees, offering a much-needed lifeline during tight periods.
Grow your savings with a high-yield APY of 4.11%, significantly higher than most traditional banks, using features like Roundups or the unique Swear Jar that saves money every time you splurge.
Build your credit score responsibly with a credit builder card offering 0% APR and coaching, requiring just a $1 minimum deposit to get started.
Get your paycheck up to two days early when you set up direct deposit, helping you avoid the wait and manage your cash flow better.

Recent Improvements

Recent updates have focused on refining the user experience, making Cleo's financial insights even more intuitive and actionable. The budgeting tools have seen enhancements, offering clearer breakdowns of spending categories and more flexible options to accommodate lifestyle expenses without feeling overly restricted. Users may also notice smoother interactions when accessing cash advances or setting up savings goals, with a focus on simplifying these core functionalities to ensure Cleo remains a helpful and stress-free financial ally.

FAQ

How does Cleo help me save money?

Cleo offers a high-yield savings account with 4.11% APY, which is considerably higher than the national average. It also provides various 'Save Hacks' like Roundups (saving spare change from purchases) and a 'Swear Jar' (fining you for spending at designated guilty pleasure stores) to make saving effortless and even fun.

Can I get a cash advance with Cleo?

Yes, Cleo offers cash advances of up to $250, depending on eligibility. The key benefit is that these advances have no interest (APR), no credit checks, no late fees, and don't require direct deposit, making them a more accessible alternative to overdraft fees.

Is Cleo suitable for building credit?

Absolutely! Cleo provides a credit-building service that doesn't require a traditional credit card. It involves a credit builder card with 0% APR, credit score coaching, and a small minimum deposit, helping you establish a positive credit history.

Editor Security Review

Reviewed by the editorial team for
basic security, integrity, and package consistency checks.

No known malware detected
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User reviews

Cleo has seriously changed how I think about my money. It's like having a finance buddy who doesn't judge my questionable spending habits but actually helps me fix them! The cash advance feature saved me a couple of times, and the savings APY is amazing. 💯

I was skeptical at first, but Cleo is the real deal. It's so easy to chat with her and figure out where my money is going. The budgeting feels less like a chore now, and I love the save hacks. My savings account has never looked better! ✨