By Editorial Team
Last Updated: Jun 13, 2025
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Cleo is a cash advance app that offers interest-free cash advances up to $250 without any credit checks or late fees. First-time users typically qualify for $20 to $100. To access this feature, you need to subscribe to Cleo Plus, which costs between $1.99 and $5.99 per month, depending on your chosen plan. You can receive funds quickly with same-day transfers available for a fee, or opt for free standard transfers delivered within 3-4 business days.
To get a cash advance with Cleo, you connect your main bank account, and they assess your financial behavior without needing payslips or recurring deposits. The eligibility process is designed to be simple and inclusive, accommodating full-time employees, part-time workers, gig workers, and freelancers. You can choose a repayment date that suits you, with no minimum or maximum repayment periods.
Cleo also provides budgeting and financial management tools, including an AI-powered assistant for personalized guidance, spending breakdowns, bill trackers, and fun features like "Roast Mode" that offer humorous insights into your spending habits. The app claims to have over 5 million users.
Yes, Cleo offers cash advances of up to $250 (though first-time users usually qualify for $20 to $100) if you subscribe to their Cleo Plus plan, which starts at $1.99 per month. These advances are interest-free with no late fees, and you can select a repayment date that suits you, independent of your payday. Standard transfers are free and take 3-4 business days, but if you need the money sooner, you can opt for an express transfer to receive the funds the same day for a fee ranging from $3.99 to $9.99, depending on the amount.
To qualify for a cash advance with Cleo, you need to meet the following criteria:
Cleo will analyze your financial behavior to determine your eligibility and the amount you can borrow, all without credit checks or lengthy paperwork.
Beyond the cash advances that Cleo provides, and if you're willing to pay the monthly subscription fee, there are several other features that you might find handy.
Cleo offers AI-powered tools to help you manage your finances more effectively. You can get personalized budgeting assistance, track your spending habits, and receive real-time insights across all your connected accounts. Plus, with fun features like "Roast Mode" and "Hype Mode," Cleo makes managing money a bit more entertaining.
If you're looking to improve your credit score, Cleo has you covered. With the Cleo Builder subscription, you can access resources to help build your credit without needing a traditional credit card. You'll get personalized coaching, see your credit score directly in the app, and even use the Credit Builder Card to establish a positive credit history.
Cleo helps you grow your savings with a high-yield savings account that offers competitive interest rates. Set savings goals, participate in interactive challenges, and watch your wealth grow. Additionally, by setting up direct deposit, you can access your paycheck up to 2 days early, giving you faster access to your earnings.