Cleo
Cleo is your AI-powered financial assistant. Get up to $250 cash advance, build credit, save smarter, and budget better—with personality and zero judgment.
About Cleo
The AI That Gets Real About Money
Cleo is a financial assistant app with attitude—here to help you take control of your finances without the jargon, judgment, or boring spreadsheets. Designed for everyday users who want budgeting, saving, and credit tools that actually feel human, Cleo makes managing money less stressful and way more fun.
Built for Financial Wellness
Whether you're struggling with spending, trying to build credit, or just looking to save a little more each month, Cleo offers tools to help you do it all—from custom budgets to cheeky reminders that hold you accountable.
How Cleo Helps You Take Control
Budgeting That Doesn’t Suck
Cleo helps you create a budget you can actually stick to. Track spending across categories, set savings goals, and get insights that help you spend smarter—without the guilt.
Personalized Chat Support
Use Cleo’s chat feature to check your balance, ask for saving tips, or get roasted for spending too much on takeout. It's like talking to your brutally honest best friend, who just happens to be great with money.
Key Features That Make Cleo Unique
Cash Advances Without the Hassle
Need a little extra to get you through the week? Cleo offers cash advances of up to $250 with no interest, no credit checks, and no hidden fees. Perfect for unexpected expenses and peace of mind.
Build Credit With the Cleo Card
Improve your credit score with Cleo’s Credit Builder Card—designed for people new to credit or working to repair it. No credit checks, just a simple way to start building financial trust.
Make Saving Feel Effortless
Save Automatically, Without Thinking
Set it and forget it. Cleo helps you save based on your spending habits—automatically stashing away small amounts when you can afford it. You’ll be surprised how fast it adds up.
Gamify Your Financial Goals
With features like «Roast Mode» and «Hype Mode, ” Cleo turns financial goals into fun, interactive challenges. Whether you want encouragement or tough love, Cleo’s got your back.
Safe, Secure, and Judgment-Free
Bank-Level Encryption
Cleo uses 256-bit encryption and read-only access to keep your data safe. Your login credentials are never stored, and your money can’t be moved—just viewed.
Total Data Privacy
Cleo doesn’t sell your data to third parties. Ever. You stay in control of what you share and how it’s used.
Why Users Love Cleo
Real Talk, Real Results
Cleo isn’t here to talk down to you. It’s designed for people who want to improve their finances without all the fluff. With over 85,000 five-star reviews on the App Store, Cleo has helped millions budget better, save smarter, and feel more confident about money.
Built for Your Lifestyle
Whether you're a college student, gig worker, or full-time parent, Cleo adapts to your habits and goals. It’s available on iOS, Android, and the web—so it’s always there when you need it.