New ways to spend, save, and invest with Cleo
Now you can pay later, save, and invest with Cleo. All with your AI financial assistant by your side to help you make sense of your money.
Your money deserves a stacked lineup.
Meet Cleo’s 2026 fall drop.
Split up with credit cards.
Split up payments with Cleo Pay Later.
Buy what you need now, and sync payments to your payday.
Start investing,
without spending hours learning how.
Get an expert-built portfolio designed around your preferences, managed automatically.
Think less, save more.
Meet Cleo Savings.
Your money deserves a better way to save.
Go under the hood.
Why we built Pay Later with pay schedules in mind
The standard pay-in-four schedule can put repayments on the wrong side of payday, so we designed Cleo’s version to consider when users get paid.
How we rebuilt recurring bill detection at Cleo
Rebuilding detection around merchant and amount nearly tripled the share of users for whom we catch every single bill.
The difference between giving financial advice and changing financial behavior
Cleo’s in-house financial expert, Robinson Torres, explains why good advice alone rarely changes behavior and how to make better money habits stick.
How we taught Cleo to talk back
When extending Cleo’s chat engine to real-time voice, we needed to keep Cleo’s personality and tone while maintaining high accuracy and low latency.
Fine-tuning a smaller model for quick replies
Cleo’s quick replies only help if they arrive before users start typing, so we fine-tuned a specialized small model to reduce latency.
Introducing Cleo’s custom router, trained on our own data
It’s part of a larger system that keeps message classification accurate as user behavior shifts and new agents come online.
Inside Cleo’s multi-agent architecture
Specialization lets us match the right agent to each task.
Download Cleo and explore all-new features.
Cleo Pay Later loans are originated by WebBank and subject to credit approval. For example, for a $250.00 Pay Later Loan, the Amount Financed would be $250.00. You would make one $70.00 payment due at purchase, which includes the $7.50 Finance Charge (Transaction Fee). The second installment payment of $62.50 is due on your next pay date that is at least 18 days following the purchase date, followed by two payments of $62.50 due every two weeks on your corresponding pay dates. The Total of Payments would be $257.50 at an Annual Percentage Rate (APR) of 47.0%. Actual terms, fees, and payment dates are provided after final loan amount determination. Late fees may apply. Certain merchant, product, goods, and service restrictions apply. See the Cleo Pay Later Loan Agreement and FAQs for complete terms and details.
Cleo has engaged Atomic Invest LLC (“Atomic”), an SEC-registered investment adviser, to bring you the opportunity to open an investment advisory account with Atomic. Companies which are engaged by Atomic receive compensation of 0% to 1.15% of assets under management annualized, payable monthly, for each referred client who opens an Atomic account and may receive a percentage of margin and free cash interest earned by clients, which creates a conflict of interest. See the Atomic Invest Promoter Disclosure Statement. Images are for illustrative purposes only. Does not represent actual client performance or predict future results.
Brokerage services for Atomic are provided by Atomic Brokerage LLC, a registered broker-dealer and member of FINRA and SIPC, and an affiliate of Atomic, which creates a conflict of interest. For more details about Atomic, please see the Form CRS, Form ADV Part 2A, and Privacy Policy. For more details about Atomic Brokerage, please see the Form CRS, General Disclosures, and fee schedule. You can check the background of Atomic Brokerage on FINRA’s BrokerCheck.
Neither Atomic Invest nor Atomic Brokerage, nor any of their affiliates is a bank. Investments in securities: Not FDIC Insured, Not Bank Guaranteed, May Lose Value. Investing involves risk, including the possible loss of principal. Before investing, consider your investment objectives and the fees and expenses charged. Advisory services through Atomic are not to be construed as tax advice or financial planning and do not take into consideration investments that clients may hold outside of Atomic.
Cleo is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC.
The interest rate on your account is 2.64% with an Annual Percentage Yield (APY) of 2.67% (Free tier) / 2.74% interest, 2.78% APY (Plus tier) / 2.91% interest, 2.95% APY (Pro/Builder tiers), effective as of September 17, 2026. Rate is variable, based on your subscription tier, and is subject to change after account opening. Minimum deposit of $1.00 is required to open your account. Fees may reduce earnings.
Images are for illustrative purposes only. Does not represent actual client performance or predict future results.