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 | 4.8 | Users consistently praise Cleo for being easy to use, quick to access cash, and helpful with budgeting and credit building. Users frequently complain about high and unclear fees, subscription costs that feel predatory, technical glitches, unresponsive customer service, and unexpected charges or refund issues. |
| Spain | Google Play | 100 | 3.7 | Users consistently praise the app's ease of use, speed, and helpfulness in providing cash advances, but frequently report technical issues such as the app freezing or failing to open, as well as complaints about deceptive subscription practices and unauthorized charges that users struggle to cancel or receive refunds for. |
| France | Google Play | 14 | 3.3 | Users consistently praise the app's budget management and cash advance features, but frequently complain about the tone and personality of the assistant being annoying or condescending, language barriers, and technical issues including account access problems and regional unavailability. |
| United Kingdom | App Store | 3209 | 4.6 | Users consistently praise Cleo for being easy to use, fast, reliable, and helpful for budgeting and accessing quick cash advances. Users consistently complain about high fees, subscription costs, unexpected charges, low advance amounts despite eligibility requirements, and poor customer service in resolving billing and technical issues. |
| United States | App Store | 251045 | 4.7 | Users consistently praise Cleo for being easy to use, reliable, and helpful for quick cash advances and budgeting, but frequently complain about high fees, confusing subscription charges, glitchy technical performance, and frustration with low advance amounts relative to advertised limits. |
| United States | Google Play | 100 | 3.3 | Users consistently praise Cleo for being easy to use, reliable, and helpful for quick cash advances and budgeting, but frequently complain about high fees, confusing subscription charges, glitchy technical performance, and frustration with low advance amounts relative to advertised limits. |
| 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. | ||||
| 40 additional storefronts checked with zero reviews: UAE, Austria, Australia, Belgium, Brazil, Brazil, Canada, Switzerland, Switzerland, Germany, Germany, Denmark, Denmark, Spain, Finland, France, Indonesia, Indonesia, Ireland, India, Iceland, Iceland, Italy, Italy, Japan, Japan, South Korea, South Korea, Mexico, Netherlands, Netherlands, Norway, Norway, New Zealand, Poland, Portugal, Saudi Arabia, Sweden, Sweden, Singapore | ||||
Recent Reviews
Cleo is there for me when I need it!
I've only got 30 loans allowed after 6 repayments and a direct deposit every week in my personal bank account wake me up in 15 hours a month for that
very educational in the financial game. recommend for people new to credit building
Cleo Cash Advance short on cash until your next paycheck. Download or sign up for Cleo, they got your back. Never worry about money again. no questions, no fee, no worries That's Cleo....
they're legit. use Cleo when i screw myself. Cleo is there i put put a bandaid on my oops. I rarely give 5 star ratings, on anything... they've earned it.
Easy to use and reliable!!
nope. if I had money to pay for a subscription, I wouldn't be asking for a loan!
easy-to-use but it seems the company is loaning more little loans to get more money then all at once
Many options for funds and repayment but AI is too chatty. If you want your money right away fees are very high. wait 3 days. I like Cleo :)
I paid, in full, my advance, but after clarification of the payment cleared, it STILL wants me to pay it again and won't allow advance until I do! Please fix this!!
nice, fast and easy!
It definitely has helped me.