Cleo AI: Cash advance & Credit

A personal finance coach you can actually talk to about your daily, weekly or monthly budget. Cleo helps 8+ million users budget, save, build credit, or get a cash advance in those low-balance moments. Cleo turns stressful money life into a simple chat, where you can ask questions and learn about your finances (without being bored to death).Want to know how much you spent on takeout last month?

Just ask Cleo! 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 minimum or maximum time for repayment No interest No credit checks No late fees No direct deposit required A Cash Advance (Earned Wage Access) is Not a personal loan! Cleo is an Earned Wage Access app.

There are no maximum annual percentage rate (Apr) as there are no mandatory fees associated Cleo's cash advance. For example, if you request an advance for $40 and request it to be delivered on a non-expedited basis the total amount that you repay is $40. Save With 3.14% Apy Grow your wealth with high-yield savings almost nine times higher than the national average. Think of it as the good kind of interest that accumulates on your savings. Budget Without Feeling Restricted Build a personalized budget (with room for iced coffee). Cleo uses Plaid to read your transaction history in a read-only mode. She can then show you all your accounts in one place, serve you spending breakdown, and share monthly bill trackers and reminders. 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: No Interest Cash advance Credit score coaching - $1 minimum deposit Access Your Paycheck UP TO 2 Days Early Don't wait until payday. Unlock your earnings early by setting up direct deposits. Legal Stuff (1) Subject to eligibility. Amounts range from $20-$250, and $20-$100 for first-time users. Amounts subject to change. Same day transfers subject to express fees. (2) The interest rate on your account is 3.09% with an Annual Percentage Yield (Apy) of 3.14%, effective as of 09/18/2025.

Rate is variable and is subject to change after account opening. Fees may reduce earnings. (3) Credit Builder Card is issued by WebBank, Member Fdic pursuant to a license from Visa USA Inc. The interface is organized for quick access to the most frequently used functions, reducing the time needed to complete common tasks. Advanced options are available for users who want to customize their experience and optimize the application for their workflow. Data sync and backup features help users keep their information safe and accessible across multiple devices when needed. The application supports a wide range of file formats and integrates with popular services to extend its usefulness.

Performance optimization ensures smooth operation even on older hardware, making it accessible to a broad user base. Comprehensive documentation and in-app guidance help new users get started quickly while power users can explore advanced capabilities. Users can organize content, apply filters, and access key functions through an intuitive layout that minimizes learning curve. Cross-platform support and cloud integration extend the application's reach across different devices and ecosystems. Built-in tutorials and contextual help ensure that users can discover and master features at their own pace. The interface is organized for quick access to the most frequently used functions, reducing the time needed to complete common tasks.