Cover yourself
until Payday

  • No Interest
  • No credit checks
  • No problem
Check your eligibility

⭐ ⭐ ⭐ ⭐ ⭐   
130k+ ratings on the App Store and Google Play
Over 5 million users

Emergency COVER

We know that when you’re in need of emergency funds, you can’t afford to waste time. Access up to a $2501 cash advance today.

REal overdraft pROTECTION

Not that fake stuff your bank sells you. If you regularly overdraft, you could save up to $180 a year2 using Cleo. 


Cleo is more inclusive than other cash advance apps. We just ask for a few details like your name and address so that we know you’re human.


It’s your cash advance. You choose the repayment date that works for you. 

Join 5+ million users who are building a life beyond their next paycheck.
Download Cleo

What are our users saying?3

Awesome app ..get some much needed funds when in a pinch.”
— Sayanh N
⭐ ⭐ ⭐ ⭐ ⭐
Google Play
I get my advance the same day I ask for it and there's literally no additional ads stalking the app. It's got my vote.”
— Amethyst
⭐ ⭐ ⭐ ⭐ ⭐
App Store
CLEO Helped me with a cash advance when NO OTHER CASH ADVANCE APP would! Thanx!”
— L Williams
⭐ ⭐ ⭐ ⭐ ⭐
App Store


Connect your main bank account
After downloading the app for free, connect your main bank account—the one you get paid into. Don’t worry, you won’t be charged. Cleo AI just uses the information to calculate your eligibility.
Type “cash advance” in chat
Type “cash advance” in the chat, and Cleo will tell you if you’re eligible for a cash advance.
Confirm your details
Cleo just needs to make sure you're human. So confirm stuff like your name and your address.
Get paid today
You can choose between paying an express fee of $3.99 to get your cash advance same-day or for no extra cost get it in 3-4 days. Then you choose the repayment date that’s right for you.


Bank-Level 256-bit Encryption
Your bank login details are never stored.

When Cleo needs to connect to your bank, we use Plaid to securely transfer your data using the latest security technology.
No third-party tracking 
We never sell your data to third parties. Period.
Read-Only Mode
Cleo can only view your transaction data in read-only mode. At no time can Cleo access your accounts. 
Still have questions? Find answers below.
Is this a cash advance for gig workers?
Can you do small amounts, like a $20 cash advance?
How much could I save with Cleo Plus?
What about if I need more than $250?
How quickly can I get my money?
How does a cash advance work?
How is Cleo’s cash advance different?
What should I do if I'm not eligible?
What about fees?
How does repayment work?
How can Cleo help me get out of a cash advance cycle?
What’s the alternative to Cleo Plus?
1 Eligibility requirements apply

2 Based on Consumer Financial Protection Bureau’s key findings detailing that the average overdrafter spends $250 on fees.

3Review 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.

4 Cleo Plus is our subscription service, which offers eligible users cashback on your money, information on your credit score, and access to cash advances (“Cash Advance”). Advance amounts will vary based on eligibility. If you don’t want to subscribe, you can also apply for cash advance by contacting our customer service at To learn more about eligibility, repayment, and overall terms, please visit:

5The Cleo Credit Builder subscription service offers eligible users cashback on your money, information on your credit score, access to cash advances (”Cash Advance”), credit history and priority support. Advance amounts will vary based on eligibility. To learn more about eligibility, repayment, and overall terms, please visit:

6Subject to your right to withdraw the payment authorization for your payment methods.