How does Cleo cash advance work?

Download Cleo on your phone and follow these steps:

1. Sign up: Create an account in the Cleo app.
2. Link bank account: Connect your main bank account (the one you get paid into).
3. Upgrade: Subscribe to Cleo Plus ($5.99 per month) or Cleo Builder to access the cash advance feature.
4. Check eligibility: In the Cleo chat, type "Spot me" to see if you qualify for a cash advance.
5. Request advance: If eligible, request the amount you'd like to receive (up to $250, Cleo's maximum cash advance amount) and sign the necessary documents.
6. Delivery options: Choose how quickly you want the money—standard delivery in 3-4 days for free or same-day delivery for an express fee.
7. Repayment: Select a repayment date that works for you; you can extend it later by asking Cleo in the chat.

You'll typically receive your cash advance in 3 to 4 business days with the free standard transfer.

If you need the money sooner, you can opt for the Express transfer, which delivers your funds the same day for a fee based on the amount you're borrowing:

• $3.99 for advances of $0–$39
• $6.99 for advances of $40–$59
• $7.99 for advances of $60–$99
• $8.99 for advances of $100–$149
• $9.99 for advances of $150 and above

Out of hundreds of reviews published in April and May 2025 that we analyzed, we found 60+ recent comments mentioning funding speed. Here’s what users say about it:

• Fast for most: Over 40 users praise how quickly they received cash—often describing it as “instant”, “fast”, or “within minutes”.
• Delays for some: Around 10 users report issues with delays—some waited several days for funds or didn't receive their advance as expected.

Overall, most users are pleased with Cleo’s fast funding, but a notable number express frustration over unexpected delays or issues.