Cleo has big
plans for your money.
The essentials you need to take control of your money: cash advance, credit tips and score monitoring, and a personalized Debt Reset plan.
Credit support
Debt Reset4
Cash advance up to $2505
1The Cleo Plus subscription offers debt tracking, credit score insights, and access to cash advances if eligible.
Advanced AI that remembers your goals and knows how to achieve them, plus high-yield savings to grow your money faster.
Credit support
Debt Reset4
Cash advance up to $2505
High-yield savings7 with 2.75% APY8
Advanced AI coaching
2The Cleo Pro subscription offers debt tracking, credit score insights, and access to cash advances if eligible, APY on savings, and AI guidance.
Our most complete financial toolkit and powerful AI. Build credit with Cleo Card and access your paycheck up to 2 days early.
Credit support
Debt Reset4
High-yield savings7 with 2.75% APY8
Advanced AI coaching
Cash advance up to $5006
Cleo Card9
Early income access10
3The Cleo Builder subscription offers saving goals, hacks, challenges, APY on savings, credit score insights, cash advances if eligible, credit history, and priority support.
⁴Debt reset requires a paid subscription. The debt-free date is calculated based on user provisioned data, see Debt Reset within the Cleo app for more information. Actual results may vary.
⁵Cash Advance is subject to eligibility. Amounts are based on accrued, unpaid income and range from $20-$250, and $20-$100 for first-time users. Amounts subject to change. Users are eligible for a daily disbursement of up to $170, as specified in the app. Same day transfers subject to express fees of $3.99-$14.99 based on amount. You may also request a Cash Advance without subscribing. See our FAQs for more info.
⁶Cash Advance is subject to eligibility. Amounts are based on accrued, unpaid income and range from $150-$500 for existing users, and $150-$180 for first-time users. To qualify for up to $500 you must direct deposit at least $750/month. Amounts subject to change. Same day transfers subject to express fees of $3.99-$14.99 based on amount. See our FAQs for more info.
⁷Cleo is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.
⁸The interest rate on your account is 2.72% with an Annual Percentage Yield (APY) of 2.75%, effective as of 4/6/2026. Rate is variable and is subject to change after account opening. Fees may reduce earnings.
⁹Cleo Card issued by WebBank, Member FDIC. Subject to approval. $1 minimum deposit required.
¹⁰Early access to ACH credit or direct deposit funds depends on the timing of the submission of the payment file from the originator and/or payroll provider. Thread Bank generally makes these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date. However, this availability is not guaranteed.
Credit outcomes vary based on individual behavior and credit profile.