By Editorial Team
Last Updated: Jun 13, 2025
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If you've been using Cleo to manage your finances or access cash advances before payday, you might be curious about other apps that offer similar features. Cleo offers cash advances up to $250, but requires a subscription to Cleo Plus or Cleo Builder, which can cost anywhere from $1.99 to $14.99 per month depending on the plan you choose. While standard cash advance transfers are free and take 3 to 4 business days, opting for same-day transfers will incur express fees ranging from $3.99 to $9.99 based on the advance amount. If you're looking for alternatives with different fee structures, faster transfers, or additional financial tools, we've rounded up the top apps like Cleo to help you find the best fit for your needs.
Cleo at a Glance: Key Features & Fees
Advance amount
$20 - $250
Monthly fee
$1.99
Regular funding time
3-4 business days
Express funding time
Same day
Express funding fee
$3.99 up to $9.99
Main features
Interest-free cash advances up to $250, budgeting tools, credit building, early paycheck access.
Advance amount
$20 - $250
Monthly fee
$1.99
Regular funding time
3-4 business days
Express funding time
Same day
Express funding fee
$3.99 up to $9.99
Main features
Interest-free cash advances up to $250, budgeting tools, credit building, 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: Higest reviews and average score
4.8
629K Reviews
Advance amount
$25 - $250
Monthly membership fee
$8.99
Regular funding time
1–3 business days
Express funding time
20 minutes
Express funding fee
$0.99–$3.99, no fee with Premium
Main features
Instant cash advances up to $250, overdraft protection, credit building, budgeting tools, earn extra cash.
2. EarnIn
Best for: Highest cash advance amount
4.7
580K Reviews
Advance amount
Up to $750
Monthly membership fee
Free
Regular funding time
1–2 business days
Express funding time
1–30 minutes
Express funding fee
$2.99–$5.99 per transfer; $2.99 or $3.99 for transfers ≤$100; $5.99 for transfers >$100
Main features
Access earned wages before payday, receive paychecks sooner, overdraft protection, automatic savings, credit score monitoring.
3. Chime SpotMe
Best for: Lowest monthly fees
4.8
1,880K Reviews
Advance amount
$20 - $200
Monthly membership fee
Free
Regular funding time
Immediate
Express funding time
N/A
Express funding fee
There is no expedite fee
Main features
Overdraft up to $200, limits grow with account activity, covers purchases and withdrawals, boost limit with friends
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
19K Reviews
Advance amount
$10 - $100
Monthly membership fee
Free
Regular funding time
Instantly
Express funding time
Instant
Express funding fee
$0 for advances up to $100 after BNPL purchase
Main features
Instant cash advances, Shop now pay later, Mobile plans without upfront costs, Overdraft protection, Earn rewards.
3.6
39K Reviews
Advance amount
$5 - $1,000
Monthly membership fee
$0.99
Regular funding time
3–5 business days
Express funding time
1–20 minutes
Express funding fee
$0-$4 per transfer, depending on method chosen
Main features
Instant cash advances up to $1,000, budgeting tools, credit score monitoring, personal loans, high-yield savings.
4.7
527K Reviews
Advance amount
$10 - $400
Monthly membership fee
$8.00
Regular funding time
1 business day
Express funding time
15 min to 2 hrs
Express funding fee
$1 up to $8 for advances up to $299.99, then 3% for advances of $300+
Main features
Cash advances up to $400, line of credit up to $1,000, credit building, early paycheck access, earn cashback.