Cleo App Reviews
Reviews for Cleo aggregated across 30 storefronts on App Store and Google Play.
About this app
An AI money coach you can actually talk to. Cleo helps 8+ million users budget, save, build credit, or get a cash advance in those low-balance moments. AI MEETS MONEY Cleo turns money stress into a simple chat, where you can ask questions and learn about your finances (like a human). Want to know how much you spent on takeout last month? Just ask Cleo…she has thoughts. 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 interest (APR) - No credit checks - No late fees - No direct deposit required SAVE WITH 2.72% APY Grow your wealth with high-yield savings almost nine times higher than the national average. AUTOPILOT Automate your money moves with Autopilot. Get a custom roadmap to reach your financial destination that adjusts with daily spending, and offers tips and actions to keep you on track easily. 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 0% APR, cash advance and score coaching. $1 minimum deposit. MONEY IQ Money IQ is Cleo’s weekly quiz game that tests your knowledge about your own spending habits. Answer trivia questions correctly for a chance to win cash prizes up to $4K every week. DEBT RESET Cleo collects and organizes your debt into a single easy-to-use dashboard, tells you which payments to prioritize, and creates a plan to help you pay everything off on a sustainable timeline. VOICE You can now talk with Cleo through real-time, two-way voice conversations. LEGAL STUFF (1) Cash Advance is subject to eligibility. Amounts are based on accrued, unpaid income and range from $20-$250, and $20-$100 for first-time users. Amounts subject to change. Users can take a max disbursement of up to $170 per day. Same day transfers subject to express fees of $3.99-$14.99 based on amount. You may also request a Cash Advance without subscribing by contacting team@meetcleo.com (2) The interest rate on your account is 2.72% with an Annual Percentage Yield (APY) of 2.75%, effective as of 12/11/2025. Rate is variable and is subject to change after account opening. Fees may reduce earnings. (3) Cleo Card issued by WebBank, Member FDIC. Subject to approval. (4) Participation does not guarantee a prize. No purchase or subscription necessary, see sweepstakes rules for more information. To qualify for Money IQ, you must have at least (1) bank account connected to the Cleo app with sufficient account activity to generate personalized finance questions. Not available in Rhode Island, see official rules for more information. (5) Debt reset requires a paid subscription. The debt-free date is calculated based on user provisioned data, see Debt Reset within the Cleo app for more information. Actual results may vary. (6) Early access to direct deposit funds not guaranteed, timing may vary. 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. 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. Cleo is not affiliated with Credit Karma, Kikoff Credit Builder Loan, Experian Credit Check, Credit One, Credit Strong, Intuit Credit Karma, Albert, Earnin, Dave Bank, Brigit, Chime, Klover, loan apps, Money Lion, FloatMe Cash Advances, Empower, money apps, Cash Advance, Vola, Grid Money, Venmo, Beem, Line Credit, Rocket Money, Possible Finance, CashNetUSA, Rain Cash Advance, 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
Source: App Store listing
Rating Distribution
Reviews by Country
| UAE | Google Play | 6 | N/A | N/A | Users consistently praise Cleo for being easy to use, quick to access cash, and helpful with budgeting and credit building. Users frequently... |
| Canada | Google Play | 0 | 151,557 | 3.7 | Users consistently praise Cleo for its ease of use, speed in delivering cash advances, and helpfulness with budgeting and credit building. U... |
| Denmark | Google Play | 0 | 151,566 | 4.6 | Users consistently praise Cleo for being easy to use, quick to access cash, and helpful with budgeting and credit building. Users frequently... |
| Spain | Google Play | 100 | N/A | N/A | Users consistently praise the app's ease of use, speed, and helpfulness in providing cash advances, but frequently report technical issues s... |
| France | Google Play | 14 | N/A | N/A | Users consistently praise the app's budget management and cash advance features, but frequently complain about the tone and personality of t... |
| United Kingdom | Google Play | 0 | 151,566 | 3.7 | Users consistently praise Cleo for being easy to use, fast, reliable, and helpful for budgeting and accessing quick cash advances. Users con... |
| Iceland | Google Play | 0 | 151,566 | 4.6 | Users consistently praise Cleo for being easy to use, quick to access cash, and helpful with budgeting and credit building. Users frequently... |
| South Korea | Google Play | 1 | N/A | N/A | Users consistently praise Cleo for being easy to use, quick to access cash, and helpful with budgeting and credit building. Users frequently... |
| Mexico | Google Play | 0 | 151,566 | 5.0 | Users consistently praise the app's ease of use, speed, and helpfulness in providing cash advances. However, users frequently report technic... |
| United States | Google Play | 100 | 151,566 | 4.7 | Users consistently praise Cleo for being easy to use, reliable, and helpful for quick cash advances and budgeting, but frequently complain a... |
| Google Play served the identical review set for Australia, Canada, United Kingdom, India, Mexico, Saudi Arabia as another English-language storefront above -- Play does not segment reviews by country the way the App Store does, so these are not counted twice. | |||||
| 39 additional storefronts checked with zero reviews: UAE, Austria, Australia, Belgium, Brazil, Brazil, Canada, Switzerland, Switzerland, Germany, Germany, Denmark, Spain, Finland, France, United Kingdom, Indonesia, Indonesia, Ireland, India, Iceland, Italy, Italy, Japan, Japan, South Korea, Mexico, Netherlands, Netherlands, Norway, Norway, New Zealand, Poland, Portugal, Saudi Arabia, Sweden, Sweden, Singapore, United States | |||||
Reddit Mentions (Last 30 Days)
- lf offers or wish. can take pets, party, or alphar/AnimalJam
- Original Mermaidsr/JustAddWater
- Finally (pet hatch)r/Wizard101
- Charlotte and the Core Fourr/JustAddWater
- 1-year-old cat developed a crusty rash/bump behind ear, now has a similar lesion above her eyer/AskAVeterinarian
Recent Reviews
cleo never lets me down.. when I need need a few extra dollars, cleo is my number one go to.
I am impressed so far
An alright app to use when you need some financial help.
very good
love it..worth every penny invested
Never will i again use any platform like this. When someone truly could use a little help there is never any. All these platforms promise the same thing and never do. I stopped using traditional banks due to how i lost thousands, now i use cash app and that is not supported.
this one was stupid is not easy to navigate maybe everywhere I don't like it
it's good
love this app how accurate it is
For what they wanna charge and as many issues as they have accepting an advance without having it, give you Falk messages of why you can't get it, it's really not worth anybody's time, because the monthly amount just to get a loan. From in the 899, they want to charge for every transaction is stupid.The way they break it down , where you only have a daily limit on a total amount that you're approved for or that's available is a joke
They are holding my direct deposit. My first direct deposit is not available and customer support is unhelpful. Ive already provided them my sheckstub and the trace number proving that my employer has sent my money and Cleo claims they don't having and it directly affects my livelihood and my family's needs. The decision to trust Cleo and Thread Bank with my financial needs was a mistake and I will be canceling my direct deposit plan with them. I do not recommend their service.
disappointed in the service, very deceptive. pay a membership fee, and you're offered $85. they tell you to pay a higher membership fee, that is to be available $250 and it actually was $110 !?! I will be paying this off and unsubscribing. Do not 🚫 recommend