Spot Me Spot Me

Shady Cash
Advance Apps

Get up to a $100 spot* from Cleo with no credit checks or interest.

*(Eligibility requirements apply)
Spending and paycheck breakdown.

cash Advance AppS Have come a Long Way

We made Cleo to help you escape payday lenders and the online payday loan debt cycle with a simple, no interest, cash advance.

And loads of features to help you save up and improve your financial health.

Cleo is A Cash Advance App that Actually cares

No credit checks or interest

Get help creating and sticking to a budget

Personalized tips on how you can save more

Get roasted for wasting money

So I can Just Get $100 Instantly?



Cash Advance FAQ

Can I get a cash advance as a gig worker?

You can still qualify! We don't currently check W2s or require proof of employment, which makes Cleo more inclusive than other cash advance apps. Learn about cash advance for gig workers.

What's the difference between a cash advance app and a payday loan?

Great question. You can read about the differences between a cash advance and a payday loan on our blog.

What should I do if I'm not eligible?

Your eligibiliy is determined by a lot of different factors that change often, so the best thing you can do is wait a few days and try again. We can say most people are successful applying for an advance just after they've had some money enter their account.

How about fees?

Cash advance is available to Cleo Plus and Cleo Builder users which comes with a monthly subscription. (But you get other perks, like credit building and cashback)

There’s an additional fee ($4) for express transfers, but our ACH option is free.

Can you do small amounts, like a $20 spot?

Yep. The lowest amount Cleo will currently spot anyone is $20 though.

Are you one of those apps like Dave?

Yes and no. We both have a cash advance feature, but our eligibility requirements are slightly different.

I'm looking for apps like Earnin...

Well look no further. Cleo's cash advance is similar to Earnin, but we don't require employment verification or a direct deposit

signing up takes
2 minutes

Talking to Cleo and seeing a breakdown of your money.