Screenshots
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.
Editor Opinion
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.
Pros & Cons
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
Specifications
| Updated | 10.10.2025 |
| Category | Finance |
| Age Rating | Teen |
| Developer | Cleo AI |
| Android | Android 10++ |
| Package Name |
com.meetcleo.cleo |
Ratings
User Reviews
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...
installed and subbed to get cash advance. it was unable to link my card despite my details being correct. was trying to avoid an overdraft so I couldn't wait for...
Used this app for a while and was great. One day it completely stopped working. Never had a late payment have good income that shows in my banking apps. Will...
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App Permissions
This app requires 18 permissions to function properly:
Frequently Asked Questions
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