THE CASH ADVANCE FOR BAD CREDIT

You don’t need perfect credit to get an instant cash advance with us. We get that people with poor credit need a quick spot sometimes. If you need cover until payday, you could get up to $250¹ with no credit check, and no interest.

Get approved today

**NO HARD*CREDIT CHECK***

We calculate your eligibility based on other factors, so we don’t need to know your credit history.

NOT EVEN A SOFT CREDIT CHECK

Like, we don’t even need a ballpark figure.

0% INTEREST, ALWAYS

We want to make repayment as manageable as possible. So if you get $100, you repay $100. (Unless you choose to pay an express fee.)

FLEXIBLE
‍REPAYMENT SCHEDULE

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

FAQs

Still have questions? Find answers below.

What is Cleo’s cash advance?

Cleo's Cash Advance provides you with cover until your next paycheck, which can help you avoid overdraft fees and cover emergency expenses. We calculate your eligibility based on factors like your income, so you can think of it like getting some of your paycheck early. Depending on a few things, first-timers usually qualify for $20-$70, but once you pay it back, you’ll unlock higher amounts—up to $250¹.

Why is Cleo’s cash advance a good option if you have poor credit?

Cleo’s cash advance doesn’t require a credit check. So your credit score won’t be taken into account when we calculate your eligibility. This means if you have a poor credit score, you’re less likely to be turned down. Some bad credit cash advances rack up their interest to compensate for being available to people with poor credit. Cleo’s cash advance comes with 0% interest, so repayment is more manageable. So if you get $100, you repay $100. (Unless you choose to pay an express fee.) It’s that simple.

How do I get a cash advance from Cleo?

After you’ve downloaded the app for free, you can find out if you’re eligible. At this point, you can decide if you want to sign up for the Cleo Plus subscription, which you’ll need to access your cash advance. Once you’re signed up, you can request a cash advance by typing “cash advance” or “cover me” in the chat with Cleo.

Follow the prompts in the chat and Cleo will use her fancy AI algorithm to determine how much you’re eligible for. If approved, your funds should reach your account within four days. Or, you can get an instant cash advance by paying $3.99 to receive your cash advance same-day.

Is Cleo Plus worth it?

If you’re someone who regularly overdrafts, you could save up to $180 a year using Cleo.

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 Plus from that, and voila, you’ve got an extra $180.

On top of Cleo’s free budgeting features, Cleo Plus gives you access to the cash advance feature, as well as credit scoring, personalized saving goals and round ups, and cashback at some of your favorite stores.

What if I’m not eligible for a cash advance?

If you're not eligible for a cash advance, you can still use Cleo's free features, which can help improve your financial health for future reapplication. And just because you’re not eligible today doesn’t mean you won’t be tomorrow. So keep checking your eligibility.

How else is Cleo different from other apps?

It’s not just the lack of credit checks. There are a whole load of other factors that make Cleo’s cash advance more accessible:

- We never charge interest
- We never ask for payslips or minimum recurring deposits (hello freelancers)
- We’re the cash advance app that wants to help you eventually not need a cash advance

How does that last one work? To access Cleo’s cash advance, you’ll need to download Cleo for free. At this point, you can already access all of Cleo’s free budgeting features, that can help make the whole money thing less scary. Cleo will make you a personalized budget and send you reminders when you’re about to hit a spend limit, so you can avoid cash advances in the future.

She’ll also roast you if you ask her to.

Can I get a cash advance if I’m a gig worker?

Cleo is the gig worker cash advance app. As well as no credit checks, we don’t require a payslips or minimum recurring deposits. Most other cash advance apps require some kind of proof of steady employment, because they’re huge nerds (for legal reasons, this is a joke). We try to make our cash advance as accessible as possible. Whether you have poor credit or you work in the gig economy, everyone needs a little help covering them until payday from time to time. We’ve got you. Cleo’s got your back.

THE CASH ADVANCE FOR BAD CREDIT

NO HARDCREDIT CHECK

NOT EVEN A SOFT CREDIT CHECK

0% INTEREST, ALWAYS

FLEXIBLE ‍REPAYMENT SCHEDULE

**NO HARD*CREDIT CHECK***

FLEXIBLE
‍REPAYMENT SCHEDULE