By Editorial Team
Last Updated: Nov 13, 2025
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Cleo lets eligible members snag up to $250 before payday with no interest or late fees. You’ll need a Cleo Plus or Builder plan, which runs $1–$19.99 a month, to unlock the advance and other premium perks. Transfers land in your bank in 3–4 days for free, or you can spring for express delivery (within 24 hours) for $3.99–$14.99 per advance.
Cleo at a Glance: Key Features & Fees
Advance amount
$20 - $250
Monthly fee
$1.00
Regular funding time
3–4 business days
Express funding time
Within 24 hrs
Express funding fee
$3.99-$9.99
Main features
Interest-free cash advances, credit-builder line, budgeting insights, automated high-yield savings, early paycheck access
Advance amount
$20 - $250
Monthly fee
$1.00
Regular funding time
3–4 business days
Express funding time
Within 24 hrs
Express funding fee
$3.99-$9.99
Main features
Interest-free cash advances, credit-builder line, budgeting insights, automated high-yield savings, early paycheck access
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Table of contents
Top apps like Cleo
The following apps are 3 category leading cash advance apps like Cleo:
1. Brigit
Best for: Highest reviews and average score
4.8
725K Reviews
Advance amount
$25 - $250
Monthly membership fee
$8.99
Regular funding time
Up to 3 business days
Express funding time
20 min
Express funding fee
$0.99–$3.99; free for Premium users
Main features
Interest-free cash advances, automatic overdraft protection, predictive balance alerts, budgeting insights, credit-builder loan
2. Beem
Best for: Highest cash advance amount
3.5
40K Reviews
Advance amount
$5 - $1000
Monthly membership fee
$2.47
Regular funding time
3 to 5 business days
Express funding time
20 minutes
Express funding fee
$0.99 - $4
Main features
Instant $1,000 advances, 5% savings wallet, Credit-builder card, AI budgeting, Up to 10% cash-back
3. Chime SpotMe
Best for: Lowest monthly fees
4.8
2,169K Reviews
Advance amount
$20 - $200
Monthly membership fee
Free
Regular funding time
Instant
Express funding time
Timeframe for express advances is unknown
Express funding fee
There is no expedite fee
Main features
Overdraft advance up to $200, adaptive limit, works on debit/credit cards, covers purchases and ATM
All apps like Cleo
Here you'll find the full list of 10 apps like Cleo ranked by Advance amount, Review score, or any other parameter that's most important to you:
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4.2
26K Reviews
Advance amount
$40 - $200
Monthly membership fee
Free
Regular funding time
Minutes
Express funding time
Minutes
Express funding fee
$0
Main features
Cash advances to $200, Buy now pay later shopping, Mobile plan financing, In-app bill management
4.7
606K Reviews
Advance amount
$10 - $400
Monthly membership fee
$8.00
Regular funding time
Timeframe for standard advances is unknown
Express funding time
Timeframe for express advances is unknown
Express funding fee
There is no expedite fee
Main features
Cash advances, credit-builder line of credit, revolving credit, automatic savings, credit score monitoring
4.6
411K Reviews
Advance amount
$25 - $1,000
Monthly membership fee
Free
Regular funding time
2–3 business days
Express funding time
Within minutes
Express funding fee
$5.99–$14.99 to external account; free to Albert Cash account
Main features
Instant cash advances, early payday checking, automated savings, $1 investing, all-in-one budgeting
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