By Editorial Team
Last Updated: Aug 03, 2025
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If you’ve been using Cleo to manage your finances or get a cash advance before payday, you might be curious about other apps that offer similar—or even better—services. Cleo charges a monthly subscription fee starting at $5.99 for Cleo Plus, which provides cash advances up to $100 to $250, depending on your eligibility. For higher advance limits up to $500 and access to a secured credit builder card, the Cleo Builder subscription costs $14.99 per month. There are also optional express fees ranging from $3.99 to $9.99 for same-day cash advances, while standard transfers take 3 to 4 days at no extra cost. If you’re looking for lower fees, higher advance amounts, faster transfers, or different financial tools, there are plenty of great alternatives to consider. In this article, we've rounded up the top apps like Cleo to help you find the best fit for your financial needs.
Cleo at a Glance: Key Features & Fees
Advance amount
$20 - $250
Monthly fee
$5.99
Regular funding time
3–4 business days
Express funding time
Same day
Express funding fee
$3.99 to $9.99
Main features
Instant cash advances, credit building tools, early paycheck access, overdraft protection.
Advance amount
$20 - $250
Monthly fee
$5.99
Regular funding time
3–4 business days
Express funding time
Same day
Express funding fee
$3.99 to $9.99
Main features
Instant cash advances, credit building tools, early paycheck access, overdraft protection.
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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
646K Reviews
Advance amount
$25 - $250
Monthly membership fee
$8.99
Regular funding time
1–3 days
Express funding time
20 minutes
Express funding fee
$0.99 - $3.99, free with Premium Subscription
Main features
Cash advances up to $250 without credit checks, overdraft prediction, credit builder program
2. EarnIn
Best for: Highest cash advance amount
4.7
600K Reviews
Advance amount
Up to $750
Monthly membership fee
Free
Regular funding time
1–3 business days
Express funding time
30 minutes
Express funding fee
$2.99–$5.99 per transfer (first transfer free)
Main features
Access earned wages before payday, overdraft protection, build savings, credit monitoring, assistance with medical bills
3. Chime SpotMe
Best for: Lowest monthly fees
4.8
1,941K Reviews
Advance amount
$20 - $200
Monthly membership fee
Free
Regular funding time
Instantly
Express funding time
Timeframe for express advances is unknown
Express funding fee
There is no expedite fee
Main features
Overdraft up to $200, boost limit via friends, works with debit and credit cards
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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4.1
20K Reviews
Advance amount
$40 - $200
Monthly membership fee
Free
Regular funding time
Instantly
Express funding time
Timeframe for express advances is unknown
Express funding fee
There is no expedite fee
Main features
Instant cash advances, Buy Now Pay Later shopping, Phone plan financing, Play-to-earn rewards, Overdraft protection
3.6
39K Reviews
Advance amount
$5 - $1,000
Monthly membership fee
$0.99
Regular funding time
3 to 5 business days
Express funding time
20 minutes
Express funding fee
$0.99 - $4
Main features
Instant cash advances up to $1,000, credit monitoring, budgeting tools, health benefits, cashback offers
4.7
542K Reviews
Advance amount
$10 - $400
Monthly membership fee
$8.00
Regular funding time
1 business day
Express funding time
2 hrs
Express funding fee
$1 - $8 for advances up to $299.99, then 3% for $300+ advances
Main features
Access $400 cash advances interest-free, build credit, earn 10% cashback, AutoSave, credit score monitoring.
More apps like Cleo
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