Cash Advance Apps
How does Cleo cash advance work?

How does Cleo cash advance work?

By Editorial Team
Last Updated: Nov 13, 2025

Cleo is an earned-wage access app that fronts you between $20 and $250 (or up to $500 with the Builder plan). After downloading the app, you link the bank account where your paycheck lands and subscribe to Cleo Plus/Builder for $1–$19.99 a month. When you need cash, you ask Cleo in the chat; its algorithm checks your income and spending—no credit check involved—and gives an interest-free advance. Standard delivery hits your account in 3–4 days for free, or you can pay $3.99–$14.99 to get the money within 24 hours. You repay the exact amount you borrowed; there’s no APR, late fee, or fixed due date.

How to get a Cleo cash advance: step-by-step

Download Cleo on your phone and follow these steps:

  1. Sign up: Create an account and link the checking account where your paycheck lands.
  2. Paycheck tag: Pick your most recent paycheck so Cleo can spot your pay schedule.
  3. Budget setup: Add bills, subscriptions and set a daily spend limit (Cleo can suggest one).
  4. Upgrade: Join Cleo Plus to unlock advances up to $250.
  5. Request advance: In Chat or the Advance tab, ask for cash and review the offer.
  6. Choose delivery: Free deposit in 3–4 business days or express within 24 hrs for a fee.
  7. Confirm & receive: Submit the request and Cleo sends funds to your linked bank account.

Table of contents

How to get a Cleo cash advance: step-by-stepAdvance amounts, fees and repayment termsHow long does Cleo cash advance take?What do Cleo users say about funding speed?

Advance amounts, fees and repayment terms

Advertised advance amounts
$20 - $250
Monthly fee
$1.00
Time to get cash
3–4 business days
Expedite fee
$3.99-$9.99
Time to get cash with express fee
Within 24 hrs

How long does Cleo cash advance take?

You’ll wait about 3–4 business days to see the money with Cleo’s free delivery option.

Need it sooner? Pay the express fee and the cash lands in your bank within 24 hours—often the same day. That rush service costs between $3.99 and $14.99 per advance, with higher advances sitting at the upper end of the range.

What do Cleo users say about funding speed?

Out of 100+ Cleo reviews posted in October–November 2025 that we checked, about 60 chat about funding speed. Here’s the gist:

  • Instant cash: Most say the express option drops money in their account “within seconds” or “minutes,” perfect when they’re tight on time.
  • Next-day free: A handful skip the fee and still get the advance by the following business day.
  • Stuck or slow: A smaller but loud crowd reports advances sitting in “pending” for 2–14 days, split payouts, or app glitches that keep funds from landing when promised.
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