Cash Advance Apps
What is Cleo cash advance?

What is Cleo cash advance?

By Editorial Team
Last Updated: Nov 13, 2025

Cleo’s cash advance is an instant, interest-free cushion you can tap in the app once you connect your main checking account. Approved users can pull $20–$250 on demand (new members typically start at $20–$100) with zero credit check and no fixed repayment term—you choose the pay-back date, and Cleo will only take what you owe, even splitting the withdrawal if your balance is low.

Standard delivery (3–4 business days) is free, or you can get the cash the same day for an express fee of $3.99–$9.99. Access requires a Cleo Plus or Builder subscription ($1–$19.99 a month), U.S. residency, identity verification, steady income deposits and no open advances. There’s no interest or late fees, and if you later move to Cleo’s Credit Builder line your max advance can climb to $500.

Does Cleo give cash advances?

Yes, Cleo offers 0%-interest cash advances. New users can snag $20–$100, and as Cleo sees you repay on time, the limit climbs to $250 (and potentially $500 once you move to its Credit Builder line). You’ll need a Cleo Plus or Builder subscription, which runs $1–$19.99 a month. Approval happens in minutes after linking your main checking account—no credit check, no late fees, and you pick the repayment date. Standard deposits land in 3–4 business days for free; if you need the money sooner, an optional express fee of $3.99–$14.99 gets it to you within 24 hours.

Table of contents

Does Cleo give cash advances?Advance amounts, fees and repayment termsCleo cash advance requirementsOther features

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

Cleo cash advance requirements

Cleo cash-advance requirements are pretty straightforward:

  1. Residence: Live in the U.S. and provide a verifiable address.
  2. ID check: Pass Cleo’s identity-verification steps.
  3. Income flow: Show steady earned-income deposits; at least $750 in direct deposits a month unlocks the highest limits.
  4. No balance: Have no outstanding Cleo advance and stay within the allowed number of advances.
  5. Account review: After you link your main checking account, Cleo’s algorithm reviews your income, spending and deposit patterns (no credit check).
  6. Security: Clear Cleo’s fraud, legal and compliance screens.

First-time users usually start with $20–$100; returning users who keep meeting the rules can move up to $250—or $500 once they switch to Cleo’s Credit Builder line.

Other features

Cleo’s cash advances are only one part of the package. Here’s what else the app can do.

Credit Builder line

Once you’ve shown you can handle the basic advance, Cleo can open a secured, 0-APR credit line with just a $1 deposit. Every on-time payment is reported to the bureaus, which can help your credit history while lifting your borrowing limit to as much as $500. The feature also unlocks in-app credit-score tracking and personalized tips for improving it.

Budgeting and spending insights

Link your bank and card accounts once and Cleo’s chatbot starts breaking down where every dollar goes in real time. Expect category-level spend summaries, playful “roasts” when you overspend, and instant answers to money questions. A built-in bill tracker keeps upcoming payments front and center so there are no surprises.

Automated savings and high-yield wallet

Set a goal, pick a rule (round-ups, scheduled transfers, themed challenges) and let Cleo move a few dollars at a time into its Wallet. Money parked there currently earns around 3% APY, so your spare change grows while it waits for its next job.

Get paid early

Route your direct deposit through Cleo and your paycheck can show up in your account up to two days sooner, giving your budget a little breathing room between pay cycles.

Need a cash advance?