How it works:
Step 1:
Request up to £300² of the income you’ve already earned with Cleo Pro.
Step 2:
Skip the credit check, with no impact on your credit score.
Step 3:
Pay an admin fee of £0.99. No interest or hidden costs.
Step 4:
Get the money in your bank account via same-day transfer.
Step 5:
Automatically repay when your paycheque hits.
Trusted by over 1M members
Cleo was founded in the UK in 2016. Since then, we’ve gained over a million paid subscribers³ and helped millions more take control of their finances. Cleo Early Income has a sensible £300 cap to help you out at a pinch, so you can avoid high-interest debt.
Early Income is available for eligible users in the UK through Cleo Pro¹ for £12.99/month + a £0.99 admin fee.
1 The Cleo Pro subscription offers early income access and Advanced AI features including Voice, Memory, Advanced reasoning, and more powerful models.
2 Early Income is subject to eligibility and requires a Cleo Pro subscription of £12.99 per month. Your available amount may vary each time based on your accrued earnings, and ranges from £50–£300. A £0.99 admin fee applies per Early Income amount. This product is not regulated by the Financial Conduct Authority. Terms apply.
3 Based on US paying subscribers.