Cleo AI: Cash Advance & Money

Bug fixes & minor improvements. Watch this space.

An AI money coach you can actually talk to. Cleo helps 9+ million users¹ budget, save, pay later, or get a cash advance.

AI MEETS MONEY
Cleo turns money stress into a simple chat. Ask questions and learn about your finances.
GET UP TO A $500² CASH ADVANCE
Dump your overpriced overdraft. Let Cleo spot you up to $500 (with Builder Subscription, Cleo Card, and direct deposit):
No interest (APR)
No credit checks
No late fees
BUY NOW, PAY LATER³
Buy what you need today. Get a repayment plan synced to payday. Rolling out in phases.
MAKE YOUR MONEY WORK HARDER
Reach your goals through saving and investing. Start saving with just $1, earn up to 2.95% APY,⁴ and move money when needed. And get matched with a fully-automated, managed investment portfolio provided by Atomic Invest.⁵
YOUR PERSONALIZED FINANCIAL COACH⁶
Cleo builds you a custom roadmap to reach your financial goals and adjusts it in real time, with tips and actions to keep you on track.
BUILD CREDIT
Start building credit with the Cleo Card:⁷ no interest, $1 minimum deposit.

LEGAL STUFF
(1) Based on internal Cleo data as of January 2026
(2) Cash 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 $4.49-$14.99 based on amount. See our FAQs for more info.
(3) Cleo Pay Later Loans are issued by WebBank, subject to eligibility. A one-time Transaction Fee (prepaid finance charge) applies. Late fees and purchase restrictions may apply. See the Loan Agreement and FAQs for details.
Cleo Pay Later Virtual Cards are issued by WebBank pursuant to a license VISA U.S.A. Inc. See User Agreement for details. Cleo provides access to financing in the form of installment loans. Cleo is not a bank.
(4) 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 9/17/2026. 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.
(5) Cleo is paid by Atomic Invest for referrals, which creates a conflict of interest. Content provided for informational purposes only and not intended as investment advice. All investments involve risk, including possible loss of principal. Investment services provided by Atomic Invest, an SEC-registered investment adviser. Brokerage services provided by Atomic Brokerage, member FINRA/SIPC. More info: www.atomicvest.com
The Automated Investing Account is an investment advisory account managed by Atomic Invest. Atomic Invest uses the information you provide about your financial situation and investment preferences to build and manage an automated portfolio tailored to your needs. Atomic Invest uses a custom indexing investment strategy which involves purchasing individual securities that make up a specific equity index. This strategy allows you to have more control and flexibility over your investments, and can offer advanced tax benefits through tax-loss harvesting.
(6) This product provides financial insights for informational purposes only and is not financial, investment, or tax advice. Recommendations are based upon information you provide. Always review your accounts and exercise judgment when making financial decisions.
(7) Cleo Card issued by WebBank, Member FDIC. Subject to approval. $1 minimum deposit required.
The Cleo Builder subscription offers saving goals, hacks, challenges, APY on savings, credit score insights, cash advances if eligible, credit history, and priority support.
Credit outcomes vary based on individual behavior and credit profile.

Learn more about how we share and protect your data at meetcleo.com/page/privacy-policy