Cleo

Cleo: Budget & Cash Advance Cleo is an AI-powered money coach that transforms managing your finances into a simple, engaging conversation. With over 5 million users, Cleo helps you budget, save, build credit, and access cash advances during low-balance moments. Key Features: AI Money Coach: Chat with Cleo to learn about your spending habits, track expenses, and get personalized financial advice—all in a fun and interactive way. Cash Advances Up to $250: Say goodbye to expensive overdrafts. Cleo offers cash advances with no interest, no credit checks, and no late fees, helping you cover expenses when you need it most. High-Yield Savings: Earn 4.11% APY on your savings, significantly higher than the national average. Cleo’s automated saving hacks, like Roundups and Smart Save, help you grow your wealth effortlessly. Spending Challenges: Tackle your spending habits with custom challenges that motivate you to save more. Cleo provides insights and encouragement to keep you on track. Flexible Budgeting: Build a personalized budget that accommodates your lifestyle. Cleo gives you a comprehensive view of your finances, with spending breakdowns, bill trackers, and reminders. Credit Building: Improve your credit score with Cleo’s credit-building tools, including cash advances, credit score coaching, and a credit builder card with 0% APR. Early Paycheck Access: Access your paycheck up to two days early by setting up direct deposit through Cleo. Cleo makes managing your money easier, smarter, and more enjoyable. Whether you need a quick cash boost, want to save more, or improve your credit score, Cleo has you covered.