Cash Advance Apps
How much does Cleo let you borrow?

How much does Cleo let you borrow?

By Editorial Team
Last Updated: Jun 13, 2025

Cleo offers cash advances of up to $250. If you're new to the app, you can typically access between $20 and $100 initially. The exact amount you can borrow is determined by Cleo's assessment of your financial habits and banking activity.

To figure out how much to lend you, Cleo looks at your connected bank account to see your income deposits, spending patterns, and overall financial behavior. They don't require payslips or recurring deposits, and there's no credit check involved, so your credit score won't be affected.

All cash advances from Cleo are interest-free, and there are no late fees. You can choose a repayment date that fits your schedule, and you have the option for same-day transfers for a small fee or free standard transfers that take 3-4 business days.

Table of contents

Does Cleo actually send you $250?How to get a bigger cash advance on Cleo?

Does Cleo actually send you $250?

Based on hundreds of different user reviews we analyzed, it seems highly unlikely for the average customer to receive the $250 maximum cash advance advertised by Cleo. Our data is drawn from reviews published in April and May 2025, providing the latest insights into Cleo’s current practices. The overwhelming consensus is that:

  • Lower than expected advances: Many users report being offered cash advances significantly less than $250, often ranging between $20 and $80.
  • Inconsistent advance amounts: Several users mention fluctuations in their available advance amounts, with some experiencing decreases from $150 or $250 down to as low as $40, despite on-time repayments and stable incomes.

Despite some positive experiences where users appreciate Cleo's services and note gradual increases in their advance limits, the prevailing sentiment is frustration over not accessing the advertised $250. If you're considering Cleo for its maximum cash advance, you might want to temper your expectations.

App reviews talking about Loan Amounts:
"...you can pay everything on time, never miss a repayment...and your available amount will inexplicably be a fraction of what it was before..."
"...I was able to get $30 spotted to me. Used it for groceries..."
"...the cash advance keeps going down it is not helpful at all, I always paid them back on time..."

How to get a bigger cash advance on Cleo?

Many Cleo users have found it challenging to increase their cash advance limits, even with a history of timely repayments. Some report that their advance amounts have decreased unexpectedly, despite consistent income and responsible financial behavior.

To potentially get a bigger cash advance on Cleo, it's important to maintain a good repayment history and keep your spending habits in check, as the app closely analyzes your transactions. However, users mention that the criteria for increasing limits can be unclear, and eligibility may change quickly without warning.

If you're seeking a higher advance, ensure your bank account is in good standing and your income is stable. While reaching out to customer support for assistance is an option, some users have experienced difficulties in getting timely help due to limited human support.