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A step-by-step guide đ
Signing up takes 2 minutes. Scan this QRÂ code to send the app to your phone.
Or head to the app store:
Plus tips on how to build your credit history đ
POV: Itâs January. Youâve decided your New Yearâs Resolution is to set aside enough money for a house deposit, a well deserved trip, or just a weeks groceries (inflation sucks).
Buuuut, youâre not entirely sure how youâre gonna do it.
Thatâs where Cleo comes in â your fairy Godmother đŞ
Cleoâs Money Trend Report shows the number one action that people said they will take to hit their money goals in 2023 is to use a budgeting and savings app. And paying off debt and changing their money mindset tied in second place.
For those of you with burning money goals, this blog could help you reach them.
Hereâs to better financial health in 2023 đž
But first, a quick lesson in budgetingâŚ
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If you regularly run out of money before your next paycheck comes through, you already know why budgeting is important đ
Setting a budget is a way of making sure thereâs always enough money to cover rent, bills, food, and other essentials.
Like Ben & Jerryâs.
And setting a budget can help you save.
Even if you have just a small amount to put away each month, thatâs an extra few dollars towards your dream pad đ
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You donât need to pay a dime to make a budget.
Weâve got an app that will do most of the leg work for you, and a lot cooler than a boring spreadsheet.
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To help ease you into the world of ⨠budgeting â¨, you might want to try the 50/30/20 rule:
đ 50% of your income for needs
đ 30% of your income for wants
đ 20% of your income to savings and debt repaymentâ
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And if you ever go over your budget, Roast Mode will be there to pull you up on it and whip you back into shape.
In Roast Mode, Cleo will playfully shame you via GIFs and throw harsh burns about how much youâve spent and how little youâve saved.
Because sometimes you need tough love đ
Questions? Weâve got a whole list of budgeting FAQs.
If this sounds like something your money needs, check out How to make a budget with Cleo â¨
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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 Cleo Plus, youâll get all of the free features above AND:
And if you ever need a quick spot, you could get up to $100 with Cleoâs cash advance feature* (eligibility requirements apply).
Thatâs not even the best newsâŚ.
The cash advance is interest free and there are no credit checks. Making it the ultimate cash advance for gig workers.
Because unlike payday loans and overdraft fees, Cleoâs cash advance wonât affect your credit score.
Statistically speaking, if you overdraft once, itâll probably happen two more times that month, and at most banks, thatâs usually around $100 in fees which you could be avoiding.
Multiply that by 12 months, and thatâs $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 đĄ
đľ Maximum amount: $100
âđŚ Fees: $5.99 monthly subscription and no late fees Â
âđ Speed: three to four working days or today if you pay an express fee of $3.99 â
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Repayment: itâs up to you when you want to repay â
âđ Credit check: no
âđ Interest: hell no
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And finally, if youâre looking for something that could help you work on your credit score, hereâs how you could build your credit with Cleo.
Everyone deserves a chance at working on their credit, and thatâs why Cleo Builder was created. Itâs completely focused on helping you build your credit history and improving your score.
Winning.
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đ âI highly recommend the credit builder. It really does help. It's straight forward about pricing and what it can do for you. Love everything about the Cleo app!â â Barbara S. Trustpilot review
đ âLove this app⌠my credit score has gone up 30 pts.â â Paul M. Google Play Store reviewâ
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Enjoy this post? Give it a share or send it along to a friend. You never know, it could make a big difference.
âBig love. Cleo đâ
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*Eligibility requirements apply
A step-by-step guide đ
Searching for something that could help your credit? Weâve got just the thing đł
Does paying rent on time build credit? Yes, it can, but it doesnât happen automatically