So your income is unstable and you need a little help in between paychecks? Most cash advance apps would say you're not eligible… but not Cleo. She’s designed with freelancers in mind. Get up to $2501 without submitting your entire employment history.  


Other cash advance apps may require minimum recurring deposits, but not Cleo.  What matters is consistent income. She’s the ultimate freelancer cash advance app.


Cleo believes everyone should be able to apply for a cash advance, no matter your income or employment status. 

no w-2 form submissions

Cleo doesn’t need government forms to confirm your eligibility. She just uses her special algorithm to check your eligibility.


Cleo doesn’t run credit checks. Why? Because your credit score shouldn’t determine whether or not you can access the immediate financial support you need. 


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

How does Cleo DETERMINE
your eligibility ?

To calculate whether you could get up to $2501, our AI algorithm securely analyzes information from your bank account and determines your eligibility based on a combination of factors like your income, spending, and borrowing patterns.
Still have questions? Find answers below.
What is Cleo’s cash advance?
Why is Cleo’s cash advance good for gig workers?
Who is eligible to apply for a cash advance with Cleo?
How can I get a cash advance from Cleo?
How long does it take to see if I’m eligible?
How can I get acash advance from Cleo?
Are there any specific requirements for gig workers?
How do I repay the cash advance?
How much does the Cleo Plus subscription cost?
What if I’m not eligible for a cash advance?
What benefits do I get with the Cleo Plus subscription?
Does Cleo offer any financial guidance?
Does Cleo run credit checks?
Does Cleo charge interest?
Why should I choose Cleo over other cash advance apps?
1 Eligibility requirements apply. Not all users will qualify. Advance amounts range from $20 to $250. Same day transfers subject to express fees. Visit for more information.

2 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: