Cover yourself
until payday

No interest
No credit check
No problem

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

¹ Subject to eligibility. Amounts range from $20-$250, and $20-$100 for first time users. Amounts subject to change. Same day transfers subject to express fees.

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.

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.

Freelancer - Friendly

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.

FAQs

Still have questions? Find answers below.

Is this a cash advance for gig workers?

Hell yeah. Cleo is more inclusive than other cash advance apps. (So gig workers are always welcome.)

Can you do small amounts, like a $20 cash advance?

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

How much could I save with Cleo Plus⁴?

If you regularly overdraft, you could save up to $180 a year using Cleo.²

How did we do the math? The average overdrafter spends over $250 a year on fees (so says the government²). So we deducted the yearly cost of Cleo Plus⁴ from that, and voila, you’ve got an extra $180.

What about if I need more than $250¹?

If you need a cash advance of more than $250¹, check out Cleo Builder⁴.

How quickly can I get my money?

If you’re eligible, you could get your cash today with our optional express fee or in 3-4 business days for free.

How does a cash advance work?

Cleo's cash advance allows users to access up to $250¹ of already earned income to cover their expenses until their next payday. It provides access to your money for unplanned or emergency expenses without the need for credit checks.

Cleo calculates your eligibility based on your earned income. So you’re basically taking a cash advance from your next paycheck—early.

Cleo will tell you if you’re eligible for a cash advance on the same day as downloading the app. Then you follow a few simple steps, decide when you want the money and when you want to repay it.

How is Cleo’s cash advance different?

Cleo’s cash advance has no interest rates, no late fees, and there is always a no-cost option to access. It's not like those other predatory products where you wind up deeper in after getting an advance.

What should I do if I'm not eligible?

Your eligibility is determined by a lot of different factors that can often change, so the best thing you can do is wait a few days and try again. Make sure to link your main bank account—the one you’re paid into. Recurring and consistent deposits can also help you qualify.

What about fees?

Cleo’s in-app cash advance is available through Cleo Plus⁴ and Cleo Builder⁵, which are monthly subscriptions. (But these come with other perks like budget, save, credit coaching, and more.)

If you want your cash advance today, there’s an express fee. But if you can wait, you can get your cash advance in 3-4 days for FREE.

How does repayment work?

When you request a cash advance you will need to select a repayment date that’s right for you. You’ll also need to authorize auto pay, so we can automatically deduct the outstanding amount back from you. We will never take back more than what you got—unless you selected the express fee option.

If you don’t have enough money in your account, we may take a partial payment and make future attempts to pay back the amount owed⁶.

How can Cleo help me get out of a cash advance cycle?

Cleo is all about helping people improve their financial health. That means while we offer a cash advance feature, we want to help you eventually not need cash advances.

Cleo’s cash advance has no interest, so you never pay more than what you got (unless you selected an express fee).

And whether you get a cash advance with Cleo or not, you can download Cleo for free, and she’ll create you a personalized budget tailored to your needs. She’ll analyze your spending, call you out when you’re about to hit spend limits, and even roast you if you need it.

With a little help, you can start living within your monthly budget. ^‍

What’s the alternative to Cleo Plus⁴?

The simplest way to get a cash advance is by subscribing to Cleo Plus⁴ and Cleo Builder⁵. If you don’t want to subscribe, you can also apply for cash advance by contacting customer service at team@meetcleo.com. You'll still need to qualify and go through our standard eligibility checks.

Cover yourself
until payday

Emergency cover

Real overdraft protection

Freelancer - Friendly

What are our users saying?³

How it works

Security

Cover yourselfuntil payday

Emergency cover

Real overdraft protection

Freelancer - Friendly

What are our users saying?3

How it works

Security

Cover yourself
until payday

What are our users saying?³