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Cleo AI: Cash, Budget & Credit

Cleo AI: Cash, Budget & Credit

Android Finance Cleo AI
4.5 Popularity

Budgeting app that actually talks back

System Requirements

Updated
October 10, 2025
Category
Age Rating
Teen
Developer
Android
Android 10++
Package Name
com.meetcleo.cleo

So here's my honest take on Cleo AI: Cash, Budget & Credit. I've tested a bunch of budgeting apps and this one's pretty solid. The chat interface is really handy for quickly checking in on your finances, and I like that you can get a cash advance without all the red tape. Beats relying on overdraft fees that's for sure. On the downside, it can be a little glitchy at times and the credit building features aren't as fleshed out as I'd like. But if you're looking for a simple, AI-powered way to stay on top of your money, Cleo's worth a shot.

Manya Lyalya
AUTHOR: Manya Lyalya Editor, Grand Screen

Pros

  • Chatty interface makes budgeting less boring
  • Up to $250 cash advance with no credit checks or fees
  • Helps you build credit score
  • Free to use, no subscription required

Cons

  • App can be a bit buggy at times
  • Credit building features could be more robust
  • Might take a while to get the hang of all the features
GOOGLE PLAY SCORE
4.5 /5
based on 98,676 reviews
Generally Favorable
89
MY SCORE
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Description

Been using Cleo AI: Cash, Budget & Credit for a couple months now. It’s basically a personal finance coach you can chat with about your budget, spending, and money stuff. Pretty solid app if you’re into managing your finances.

Here’s what you do: you can ask Cleo questions about your spending, like how much you spent on takeout last month. There’s also a cash advance feature – up to $250 with no credit checks or late fees. And you can use Cleo to build your credit score, which is pretty cool. Took me a while to figure all that out, but it’s useful.

Look, if you’re into personal finance and budgeting apps, you’ll probably like this. It’s not perfect – the app can be a little buggy sometimes – but overall it does the job. Worth checking out if you want a smarter way to manage your money.

User Reviews

Zack Vallee October 17, 2025

coming back to add to my 1 star. had originally rated it that because of the fact that when youre trying to confirm your phone number, it sends the code...

Heather Dumas October 17, 2025

Asked to reschedule my payment once and when I finally repaid it, TWO DAYS EARLY, they lowered my advance amount from $200 to $40. Probably because they can't ever reflect...

『RSP』Ban October 17, 2025

they make it impossible to verify your info, this is only after they've made sure you're subscribed, though. if you cancel your next payment, you have to pay again to...

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This app requires 18 permissions to function properly:

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