By Editorial Team
Last Updated: Nov 13, 2025
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We went over the latest 1100 Cleo app reviews in November so you don't have to, and summarized them to tell you what users really think! 🧐
Cleo sits at a solid 4.5 lifetime rating, earned from over 280k combined App Store and Google Play reviews. Recent feedback tells a different story—newer ratings have dipped to 2.9 (as of November 2025). Keep reading for the highs, lows, and recurring themes users call out.
4.5
283K Reviews
Google Play
4.4
103K Reviews
iOS App Store
4.6
180K Reviews
On this page
Table of contents
Users say
Most folks dig the “money-in-minutes” option, but the typical advance starts tiny (around $20-$50) and often stays there—or even drops—no matter how long you’ve paid on time. The real sore spots are a mandatory monthly subscription ($5.99-$14.99) plus an $8.99 instant-transfer fee, and the app’s habit of splitting one advance into several pulls so you pay that fee more than once. Users also gripe about endless loading screens, bank-link errors, surprise duplicate or early withdrawals, and a chatbot that makes it tough to reach a human when something breaks. A handful like the budgeting tips and credit builder, yet most say the glitches and stacked fees outweigh the perks.
👎Subscription Cancellation
👎Advertising Accuracy
👎Subscription Model
👎App Stability
👎Bank Compatibility
👎Security & Privacy
👎Fees & Costs
👎Approval Process
👎Customer Support
👎Loan Amounts
👎Repayment Terms
👍Funding Speed
👍Ease of Use
👍Budgeting Tools
👍Reliability
👍Financial Education
What users like most
Ease of Use
Many users appreciate the app's user-friendly interface and find it easy to navigate.
Quick Cash Advances
Users find the cash advance feature helpful, especially in emergencies, with some praising the speed of transactions.
Financial Insights
The app provides useful insights into spending habits, helping users manage their finances better.
Common complaints
High Fees and Charges
Users frequently complain about the high fees associated with cash advances and subscriptions.
Poor Customer Service
Many users report difficulties in reaching customer support and resolving issues.
App Glitches and Bugs
Numerous reviews mention frequent app crashes and technical issues, affecting usability.
Summary by feature
Positive
2%
Negative
98%
Many users complain about difficulties in canceling their subscriptions with Cleo. They report being charged even after attempting to cancel, with some experiencing multiple unauthorized charges. The process to cancel seems cumbersome, with users mentioning unresponsive customer service and a reliance on AI bots that don't resolve issues. Refunds are rarely given, and some users feel trapped by a service they no longer wish to use. Overall, the sentiment is overwhelmingly negative, with users expressing frustration and disappointment.
App reviews talking about Subscription Cancellation:
"...I told them I do not want a subscription I only downloaded Cleo to look at the app...Today they have charged me AGAIN!"
"...I download this app just to see what it was...you guys have been taking fourteen ninety nine out of my account..."
"...I tried to close my account it won't let me and still charging me..."
Cleo customer service
Examining how Cleo replies to user complaints reveals much about their customer service philosophy. You'll see whether they actively respond to complaints and take a user-first approach, or tend to shift blame onto the users. This analysis aims to provide a comprehensive understanding of their commitment to customer satisfaction.
About 50% of all recent reviews are complaints. Support replies to roughly 72% of those, so plenty of unhappy users still don’t hear back. Most answered complaints get useful follow-up instructions, about a third are just neutral boilerplate, and only a tiny slice come off as dismissive. Around one-fifth of the complaints are very harsh, so the mix of helpful vs. neutral responses has a noticeable impact.
Here are the detailed metrics:
4/5
Customer Service Score
Based on recent 400 app review replies
Complaints severity
21%
Ignore rate
28%
Negative tone
1%
Other apps like Cleo
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4.2
26K Reviews
Monthly fee
Free
Advance amount
$40 - $200
Eligibility
Need verified income, three-month healthy deposits, and previous Gerald advance.
Features
Cash advances to $200, Buy now pay later shopping, Mobile plan financing, In-app bill management
3.5
40K Reviews
Monthly fee
$2.47
Advance amount
$5 - $1000
Eligibility
US adults with verified income, healthy deposits pass Beem's review.
Features
Instant $1,000 advances, 5% savings wallet, Credit-builder card, AI budgeting, Up to 10% cash-back
4.7
606K Reviews
Monthly fee
$8.00
Advance amount
$10 - $400
Eligibility
Adults in eligible states with active, steady-income account qualify responsibly.
Features
Cash advances, credit-builder line of credit, revolving credit, automatic savings, credit score monitoring
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