How much does Cleo let you borrow?

Based on hundreds of user reviews we analyzed, it appears that getting the $250 maximum cash advance advertised by Cleo is quite rare for the average user. Our data is drawn from reviews published in June and July 2025, providing the latest insights into Cleo's current practices. The general consensus among users is:

• Low advance amounts: Many users report receiving advances as low as $30 or $40, and struggle to get increases even after timely repayments.
• Inconsistent eligibility: Some users experience fluctuating advance amounts, with their eligibility decreasing without clear reasons, even when their income remains stable.
• High fees: Users mention subscription fees and additional charges for immediate deposits, which can diminish the benefit of the small advances provided.

While a few users appreciate Cleo for offering assistance when needed, the predominant sentiment highlights frustration over not receiving the higher advance amounts up to $250 as advertised. If you're considering Cleo for a substantial cash advance, you might want to temper your expectations based on these user experiences.

Many Cleo users have expressed frustration with increasing their cash advance limits. Even after consistently repaying advances on time and maintaining steady income, some users find their limits remain low, sometimes stuck at $30 or $40. Switching banks or updating account information can also reset your progress, causing limits to drop back down.

To potentially get a bigger cash advance on Cleo, it's important to maintain a good repayment history and keep your account details updated. Engaging with the app's features, like using the Cleo card, participating in challenges, or referring friends, might offer opportunities for boosts. However, users report that these methods don't always result in higher advance amounts, and the criteria for increases can be unclear.

If you're aiming for a higher cash advance, consider reaching out to Cleo's customer support for guidance, though some users note difficulties in getting helpful responses. While Cleo can provide assistance when needed, increasing your cash advance limit may require patience, and results can vary.