While the free version of Cleo is pretty mighty, Plus gets you a whole lot more bang for your buck.

💵 You can apply for a cash advance, which is as easy as typing 'cover me' into Cleo. It comes with no credit checks or APR, so it's pretty gosh darn easy to apply for.

💳 Credit coaching: not only will you be able to see your credit reports, but also get a sense of what's harming it.