By Editorial Team
Last Updated: Aug 03, 2025
Read more
Advertiser disclosure
How does Cleo cash advance work?
Last Updated: Aug 03, 2025
Cleo is a cash advance app that lets you access up to $250 without any interest rates or late fees. You just download the app, sign up (it takes about two minutes), and connect your main bank account. Cleo uses AI to determine your eligibility and how much you can borrow. To get an advance, you'll subscribe to Cleo Plus for $5.99 a month. If you want the money instantly, there's an optional express fee, or you can wait 3 to 4 days and get it for free. You pay back exactly what you borrowed, making it a straightforward way to get some extra cash before payday.
How to get a Cleo cash advance: step-by-step
Download Cleo on your phone and follow these steps:
- Sign up: Create an account; it only takes about 2 minutes.
- Connect bank: Link your main bank account where you receive your income.
- Subscribe: Sign up for Cleo Plus, a $5.99 monthly subscription with no late fees.
- Check eligibility: Type "cash advance" into the app's chat to see if you qualify (up to $250) and decide if it's right for you.
- Confirm details: If eligible, confirm your personal information like name and address.
- Choose delivery: Select how you'd like to receive the money—free in 3-4 working days or pay an express fee for an instant transfer.
On this page
Table of contents
Advance amounts, fees and repayment terms
Advertised advance amounts
$20 - $250
Monthly fee
$5.99
Time to get cash
3–4 business days
Expedite fee
$3.99 to $9.99
Time to get cash with express fee
Same day
Advertised advance amounts
$20 - $250
Monthly fee
$5.99
Time to get cash
3–4 business days
Expedite fee
$3.99 to $9.99
Time to get cash with express fee
Same day
How long does Cleo cash advance take?
You will typically receive your cash advance in your bank account within 3 to 4 days with the free standard transfer.
If you need the money sooner, you can opt for express delivery to get your cash advance on the same day. This will cost you between $3.99 and $9.99 per transaction, depending on the amount you borrow.
What do Cleo users say about funding speed?
Out of dozens of reviews published in June and July 2025 that we analyzed, we found over 35 recent comments mentioning funding speed. Here's what users say about it:
- Fast for many: Over 20 users praise Cleo for quick funding, often mentioning receiving cash advances instantly or within minutes.
- Delays for some: About 15 users report waits of several days or more to receive funds, or not receiving funds at all. Some mention having to pay extra fees for faster service.
Overall, while many users appreciate Cleo's speedy funding, a significant number have experienced delays or issues with receiving their advances.
More apps like Cleo
Find the best option for your needs 👉
