Cash Advance

Is Cleo Plus Worth It?

The best budgeting app to help you avoid overdraft fees💡

Illustration of cleo phone app with coins around it

If you’re looking for something that might help you dodge the crushing pain of overdraft fees, look no further 🪄

Welcome to 💙 The Cleo Plus subscription 💙

So, what exactly is Cleo Plus?

Cleo Plus is a subscription which gives you access to more financially useful features which in time, should help you build your credit history.

With the Cleo Plus cash advance feature, if you ever need a quick spot you can get up to $250* (eligibility requirements apply).

And that's not even the best news...

The cash advance is interest free and there are no credit checks. And unlike payday loans and overdraft fees, it won’t affect your credit score 💃

With Cleo’s free subscription you can:

  • Learn how to make a budget
  • Autosave
  • Track your money
  • Get speedy support

With Cleo Plus you’ll get the above features AND:

  • Access to your credit scoring
  • Personalized saving goals and round ups
  • Up to $250 cash advance (if you’re eligible)

If you’re sitting there thinking “why should I choose Cleo?” (So you’re thinking about other budgeting apps? It’s fine. Really. It’s FINE 👀) – have a scroll through our blog post on the top 5 budget apps for 2022 to see how Cleo compares to other cash advance apps 💙

How the Plus subscription could help you avoid overdraft fees

Statistically speaking, if you overdraft once, it’ll probably happen two more times that month, and at most banks, that’s usually around $100 in fees which you could be avoiding.

Multiply that by 12 months, and that’s $1,200 your bank is cashing in on.

The Plus subscription costs $5.99 a month, which is $71.88 over the course of 12 months.

This means those of you who overdraft regularly could possibly save up to $1,128.12 per year by using Plus 💡

In fact, banks now charge an average of $35 in overdraft fees – a new record high 🤯, and with the way things are going, fees won’t be going down any time soon.

Check out Cleo’s overdraft fee checker tool to find out how much you’d be charged if you overdraft.

Gif of Jim Carrey looking disgusted

Cleo’s cash advance feature is one way to avoid extortionate overdraft fees, and the super scary world of payday loans.

You’re in control of choosing the repayment date, and it can be anywhere between 3 and 28 days. And then as if by magic, Cleo will take the payment automatically.

Keep scrolling if this sounds like something your money needs…

The Plus features explained

So, here’s a full run-down of what’s actually included.


When you’re low on funds and have a bill you need to pay, or just need to stay out of your overdraft, a cash advance can help you keep going until payday, so you can avoid getting charged an eye-watering average of $35 in bank fees.

  • After signing up for Plus, all you need to do is type “cash advance” or “cover me” to Cleo in the chat, then follow the prompts
  • She’ll let you know if you qualify for the advance and how much for once she has done a check to make sure you’re in a position to repay on your chosen date. If for any reason you’re not eligible, you can get your $5.99 back if you cancel within 7 days of signing up
  • When you’ve chosen your cash advance amount, you can decide when you want to repay (typically between 3 to 14 days)

The funds should reach your account within 4 days, however, if you need it within 24 hours, you can pay an express fee of $3.99.

And if you need help with requesting one, here's how to get a cash advance.


With the Plus subscription you’ll be able to regularly check your credit score, and you’ll get your full report directly in the app.

In your report, she’ll give you clear information explaining your score, and the steps you’ll need to take so you can manage your money in a way that can help improve your score.

She’s that clever, she’ll even pick up any spending habits which are bringing you and your credit score down 👀

  • She’ll guide you through key areas you need to work on
  • And she’ll hit you up with a monthly report

P.S. Cleo works with Equifax to track your credit score ✌️

And if you ever feel like Plus isn’t for you, it’s super easy to cancel (but we’ll be sad to see you go). You’ll just need to type “cancel” into the chat. But if you have a cash advance to repay, you’ll just need to pay that off first 🙃

How safe is the Cleo app?

Super safe.

After you’ve connected your bank account, Cleo is only able to access your transaction history and data through an encrypted read-only mode.


Cleo never stores or accesses your banking login details

✅ She uses world-class security practices

✅ She holds regular security audits and tests

Is my personal data safe?

Cleo doesn’t sell your data, so all of your information is secure with us 🎉

And here’s what some actual humans (who don’t work at Cleo) think of the app…

What do our users think?

💙 “I love this app. They loan you money when you need it. They also help you keep your finances in check on top of that it’s a very entertaining app. 2 thumbs up.” – Brian O. Trustpilot review*

💙 ”Awesome app to help see where your money goes!! My favourite feature is the savings option, where there’s tons of options to save. Like rounding up, “charging” yourself if you go somewhere often (mine is a charge of $5 everytime I go 7-11) etc.

And they even have the new credit card which I just got. Amazing app, easy to use, no annoying notifications, just simple money saving!” – Justine T. Google Play review*

*Testimonial Disclaimer: Review provided by customer to Cleo AI Ltd. d/b/a Cleo. The comment above is related to individual experiences or results. Individual results may vary.

So, is it worth it?

Yeah, we think so.

And with approximately 4 million users and this many positive reviews, we like to think our users do too.

If you’re someone who regularly goes into your overdraft, you’re more than likely going to benefit from the Cleo Plus subscription.

You’ll also be able to stay on top of your score by receiving regular updates, which in time, should help you get better rates for stuff like personal loans and mortgages 🚀

If you’re currently being charged an extortionate amount in overdraft fees, you should check our blog on what to do if you overdraft for helpful tips.

Enjoy this post? Give it a share or send it along to a friend. You never know, it could make a big difference.

Big love. Cleo 💙

*The Cleo Plus subscription offers saving goals, hacks, challenges, APY on savings, credit score insights, and access to cash advances if eligible.

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Talking to Cleo and seeing a breakdown of your money.