A personal finance coach you can actually talk to about your daily, weekly or monthly budget. Cleo helps 5+ million users budget, save, build credit, or get a cash advance in those low-balance moments.

Cleo turns stressful money life into a simple chat, where you can ask questions and learn about your finances (without being bored to death).Want to know how much you spent on takeout last month? Just ask Cleo!

GET UP TO A $250 CASH ADVANCE
Dump your overpriced overdraft and get a spot from Cleo instead. Cleo’s up to $250 cash advance has:
- No minimum or maximum time for repayment
- No interest
- No credit checks
- No late fees
- No direct deposit required

A Cash Advance (Earned Wage Access) is NOT a personal loan! Cleo is an Earned Wage Access app. There are no maximum annual percentage rate (APR) as there are no mandatory fees associated Cleo's cash advance. For example, if you request an advance for $40 and request it to be delivered on a non-expedited basis the total amount that you repay is $40.

SAVE WITH 3.14% APY
Grow your wealth with high-yield savings almost nine times higher than the national average. Think of it as the good kind of interest that accumulates on your savings.

BUDGET WITHOUT FEELING RESTRICTED
Build a personalized budget (with room for iced coffee). Cleo uses Plaid to read your transaction history in a read-only mode. She can then show you all your accounts in one place, serve you spending breakdown, and share monthly bill trackers and reminders.

BUILD CREDIT (WITHOUT A CREDIT CARD)
Glide your way to smoother approvals, lower interest rates, and higher credit limits with a credit score your parents can be proud of. Start building your credit with:
- No Interest
- Cash advance
- Credit score coaching
- $1 minimum deposit

ACCESS YOUR PAYCHECK UP TO 2 DAYS EARLY
Don’t wait until payday. Unlock your earnings early by setting up direct deposits.

LEGAL STUFF
(1) Subject to eligibility. Amounts range from $20-$250, and $20-$100 for first-time users. Amounts subject to change. Same day transfers subject to express fees.
(2) The interest rate on your account is 3.09% with an Annual Percentage Yield (APY) of 3.14%, effective as of 09/18/2025. Rate is variable and is subject to change after account opening. Fees may reduce earnings.
(3) Credit Builder Card is issued by WebBank, Member FDIC pursuant to a license from Visa USA Inc. Access to the Card is subject to approval.
(4) Early access to ACH credit or direct deposit funds depends on the timing of the submission of the payment file from the originator and/or payroll provider.
Thread Bank generally makes these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date. However, this availability is not guaranteed.

The Cleo Grow subscription service offers users savings goals, hacks, challenges, and access to an annual percentage yield (APY) on savings.
The Cleo Plus subscription offers saving goals, hacks, challenges, APY on savings, credit score insights, and access to cash advances if eligible.
Cleo is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.
The Cleo Credit Builder subscription offers saving goals, hacks, challenges, APY on savings, credit score insights, cash advances if eligible, credit history, and priority support.
We only offer services in US and when user sets up account with Cleo they select a US state of residence.

Cleo is not affiliated with Moneylion, Credit Karma, Kikoff, Experian Credit Check, Credit One, Credit Strong, Intuit Credit Karma, Albert, Earnin, Dave Bank, Brigit, Chime, Klover, loan apps, FloatMe Cash Advances, Empower, Venmo, Branch paycheck loans, or Gerald payday credit loans app

Learn more about how we share and protect your data at [meetcleo.com/page/privacy-policy](http://meetcleo.com/page/privacy-policy)
Cleo AI
300 Delaware Ave, Suite 210
Wilmington DE, 19801