Cleo review

Cleo is an AI money assistant first and an advance app second. Plus at $5.99 a month, the cheapest entry subscription on this list, includes credit support, a Debt Reset plan and cash advances of $20 to $250, with first-time users limited to $20 to $100 and daily disbursements capped at $170. Pro at $8.99 keeps the same advance range and adds high-yield savings at 2.75% APY plus advanced AI coaching. Builder at $14.99 raises advances to $150 to $500, but you need at least $750 a month in direct deposits to qualify for the top amount, and it adds the Cleo Card for building credit and access to pay up to 2 days early. Same-day transfers cost $4.49 to $14.99 depending on the amount, which is steep on a $50 advance. Cleo notes you may request a cash advance without subscribing; its FAQs explain the process.

Who it is for

people who want an AI budgeting coach with the advance

Price

Plus $5.99 per month, Pro $8.99, Builder $14.99; same-day transfers carry express fees of $4.49 to $14.99.

$5.99 / month
Quoted from the vendor pricing page on November 13, 2026.

Key features

• Plus and Pro advances range from $20 to $250, and $20 to $100 for first-time users
• Builder advances range from $150 to $500 with at least $750 a month in direct deposits
• Same-day transfers carry express fees of $4.49 to $14.99 based on amount
• Pro adds high-yield savings at 2.75% APY and advanced AI coaching
• Builder adds the Cleo Card for building credit and pay up to 2 days early

Strengths and weaknesses

• Strength: Cheapest entry subscription here at $5.99 a month
• Strength: Debt Reset plan and credit score insights on every paid tier
• Strength: Cleo says you can request an advance without subscribing
• Weakness: First-time users are capped at $20 to $100 on Plus and Pro
• Weakness: Express fees of $4.49 to $14.99 are high relative to small advances
• Weakness: The $500 limit requires Builder at $14.99 plus $750 a month in direct deposits

Key facts

• Advance range: $20 to $250 (Plus, Pro); $150 to $500 (Builder)
• Plans: Plus $5.99, Pro $8.99, Builder $14.99
• Express fee: $4.49 to $14.99
• Daily disbursement cap: Up to $170

Where it ranks

Cleo is No. 6 in our Best Paycheck Advance Apps verdict.