By Editorial Team
Last Updated: Aug 06, 2026
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We went over the latest 10100 Cleo app reviews in August so you don't have to, and summarized them to tell you what users really think! 🧐
Cleo has a solid lifetime average rating of 4.7 based on nearly 400,000 user reviews across app stores. However, recent feedback has been less favorable, with the average rating dropping to 3.0 as of August 2026. Keep reading to see what users like about Cleo and where they’ve encountered issues.
4.7
391K Reviews
Google Play
4.7
141K Reviews
iOS App Store
4.7
246K Reviews
Trust Pilot
4.0
4K Reviews
On this page
Table of contents
Users say
Users find Cleo helpful for small cash advances and budgeting, with many appreciating the quick setup and instant funds for emergencies. The app offers features like credit building and personalized financial insights, including a humorous AI chat that some enjoy. However, there are consistent complaints about the advance amounts being low or inconsistent, often split into smaller increments with fees charged for each, which frustrates users needing larger sums quickly. The mandatory monthly subscription fee surprises some, especially since it must be paid upfront before knowing the advance amount. Technical issues are common, including app crashes, loading problems, and difficulties linking bank accounts or cards. Customer support is frequently described as unresponsive or limited to AI bots, making it hard to resolve problems or speak to a human. Some users report unauthorized charges and trouble canceling subscriptions. Overall, while Cleo can be a useful tool in a pinch, its fees, app reliability, and support shortcomings lead to mixed experiences.
👎Subscription Cancellation
👎Subscription Model
👎Advertising Accuracy
👎App Stability
👎Bank Compatibility
👎Fees & Costs
👎Security & Privacy
👎Customer Support
👎Approval Process
👎Loan Amounts
Balance Reporting
Repayment Terms
Balance Alerts
Income Tracking
👍Funding Speed
👍Auto Advances
👍Ease of Use
👍Budgeting Tools
👍Financial Education
What users like most
Helpful cash advances in emergencies
Users appreciated Cleo for providing quick and easy cash advances that helped them in tight financial situations and emergencies.
User-friendly app with financial insights
Many users found the app easy to navigate and valued the budgeting tools, spending insights, and credit-building features.
Engaging and supportive AI assistant
The AI assistant was praised for its witty, honest, and motivating interactions that helped users manage their finances better.
Common complaints
High fees and subscription costs
Users frequently complained about mandatory subscription fees, multiple transaction fees, and high costs for instant transfers making the service expensive.
Inconsistent and limited advance amounts
Many users were frustrated by unpredictable, reduced, or split cash advance amounts, often receiving less than expected despite timely repayments.
Poor app stability and customer support
Numerous reviews mentioned app crashes, loading issues, inability to link bank accounts, and lack of accessible human customer service.
Summary by feature
Positive
3%
Negative
97%
Many users express frustration with Cleo's subscription cancellation process, describing it as cumbersome and often ineffective. Numerous reviews highlight unauthorized charges continuing even after users have attempted to cancel their subscriptions, with some reporting being charged multiple times in a month. The app's reliance on AI for customer service is a common complaint, as it often fails to resolve issues or provide refunds. Users also mention difficulties in removing their bank information and closing accounts, leading to ongoing charges. Overall, the sentiment is overwhelmingly negative, with many feeling trapped by a service they no longer wish to use.
App reviews talking about Subscription Cancellation:
"...they make it hard to cancel your subscription..."
"...I canceled my subscription and every month they debit my account..."
"...I have tried to cancel with you multiple times and you continued to charge me for two years..."
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.
Nearly 45% of recent Cleo reviews are complaints, and the company responds to about 69% of these, which is a solid effort. Around 28% of the complaints are quite harsh, but Cleo’s replies tend to be helpful more than 60% of the time. They rarely dismiss user concerns, though a third of their responses come off as neutral. Overall, Cleo’s customer support is fairly engaged and mostly constructive when addressing user issues.
Here are the detailed metrics:
4/5
Customer Service Score
Based on recent 400 app review replies
Complaints severity
28%
⚠️
Ignore rate
31%
Negative tone
5%
Other apps like Cleo
Select...
4.7
520K Reviews
Monthly fee
$4.99
Advance amount
$25 - $750
Eligibility
You must be a U.S. adult with steady income, good standing, and no recent repayment issues.
Features
Cash advances, early wage access, credit score tracking, budgeting tools
4.7
695K Reviews
Monthly fee
$8.00
Advance amount
$10 - $500
Eligibility
You must be U.S.-based, 18+, financially eligible, and debt-free.
Features
Cash advances, automatic payday repayment, cash management account, direct deposit, savings tools
4.8
1,473K Reviews
Monthly fee
$5.00
Advance amount
$25 - $500
Eligibility
You need recurring deposits, qualifying income and spending patterns, and repayment ability.
Features
Cash advances, early paycheck access, debit card, ATM fee-free withdrawals, automatic repayment
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