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Meet Cleo, your AI Financial Coach! 🤖 Cleo isn't just another budgeting app; it's your financial buddy that you can actually talk to. With over 5 million users, Cleo helps you budget, save, build credit, or get a cash advance when you're running low on funds. Say goodbye to stressful money management and hello to simple, conversational finance!
Cleo turns the daunting task of managing your money into a simple chat. You can ask questions and learn about your finances without being bored to death. Want to know how much you splurged on takeout last month? Just ask Cleo! 🍔🍕
Need a little boost? Cleo offers cash advances up to $250! (1) Dump those overpriced overdraft fees and get a spot from Cleo instead. Cleo’s cash advance comes with:
- No minimum or maximum time for repayment
- No interest
- No credit checks
- No late fees
- No direct deposit required
Remember, 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 with 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 smart with 3.52% 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. Watch your money grow effortlessly! 🌱
Budget without feeling restricted! 🚫 Build a personalized budget (with room for iced coffee, of course ☕). 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 a spending breakdown, and share monthly bill trackers and reminders. Stay on top of your finances without sacrificing the little joys in life!
Build credit (without a credit card)! (3) 💳➡️🏆 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! (4) 💸 Don’t wait until payday. Unlock your earnings early by setting up direct deposits. Get your money when you need it! 🗓️
Learn more about how we share and protect your data at meetcleo.com/page/privacy-policy
Features
AI-powered financial coaching via chat
Cash advances up to $250 with no interest
High-yield savings with 3.52% APY
Personalized budgeting with spending breakdowns
Credit building without a credit card
Early access to paycheck up to 2 days
Bill trackers and reminders
Credit score coaching
Pros
Budgeting without feeling restricted
Build credit without a credit card
Access your paycheck up to 2 days early
Cons
Cash advance eligibility is subject to conditions
Early paycheck access depends on payroll timing
