Cleo: Up to $250 Cash Advance Software
Company Name: Cleo AI Ltd
About: Cleo is an artificial intelligence startup that offers an intelligent assistant to help users in
managing their finances.
Headquarters: London, England, United Kingdom.
Cleo Overview
What is Cleo?
Cleo is an AI chatbot money management app that helps users track their spending, save money, and achieve their financial goals. It has been recognized as the Best Money Management App of 2020 by This is Money, the Best Budgeting App of 2019 by Marie Claire, and one of the Top 20 Financial Apps by NerdWallet. Cleo offers personalized smart budgets, cash advances, custom categories, saving goals, credit score monitoring, and a fun personality mode. It also provides cashback rewards, weekly money games, and quizzes with cash prizes.
Features
- Personalized smart budgets created by AI
- Spending breakdown and help on bills
- Cash advances up to $100 interest-free
- Custom categories for better visualization of spending
- Saving goals, hacks, and autosave features
- Credit score monitoring and credit coaching
- Fun personality mode with memes and Roast Mode
- Automatic savings based on affordability
- Cashback rewards up to 7%
- Weekly money games and quizzes with cash prizes
- Spendr rates purchases and removes money stress
- Bank-level SSL encryption and FDIC-insured accounts with protection up to $250,000.
Official Screenshots
Cleo Pricing Plans
| Duration | Amount (USD) |
|---|---|
| Billed Once | $12.89 |
| Weekly Subscription | $10.28 |
| Monthly Subscription | $13.87 |
| Yearly Subscription | $25.00 |
**Pricing data is based on average subscription prices reported by Justuseapp.com users..
Product Details and Description of
** Best Money Management App of 2020 ** — This is Money **Featured App of the Day** - App Store ** Best Budgeting App of 2019 ** — Marie Claire **Top 20 Financial Apps** – NerdWallet Track your spending, save money, and crush your goals with this app – the AI chatbot making money effortless. Trusted by 3 million users, this app helps you money like a boss with powerful tools and cutting-edge tech. Want to know what you can spend on takeout ? Need $100 to get to payday? Or a planning to save up to buy a house? this app’s got your back. It’s your money – own it. Sign up for free in just 2 minutes BUDGETING By using AI to create personalized smart budgets for every customer, this app is helping people improve their budgeting skills worldwide. ‘Can I afford it?’, just ask this app. With a spending breakdown, help on bills, practical advice and an actual personality, budgeting like a boss has never been easier. Don’t be someone who lives in denial - get a budget. CASH ADVANCE Need a little happy getting to payday? Staring your overdraft in the face? Even when you prepare, stuff happens. We get it. That’s why this app lets you borrow money instantly (up to $100 interest free) whenever you need it. But she’s not just a loan app. After you get a quick spot, she’ll also help you build up your own emergency fund and chime in whenever you’re headed for trouble. CUSTOM CATEGORIES As many as you want! Set aside money for a specific thing, or if you just need a better visualization on coffee spending. Want to spend a little more on groceries this week? this app shows your spending per category over the last few weeks, so you can set a limit that makes sense (and she’ll update you on how much you’ve got left-to-spend throughout the week). SAVING Saving money is a drag, but not when you’ve got an intelligent AI bot like this app dragging you for your spending. With Save goals, hacks and autosave features all experienced through interaction with this app herself, you save money fast and have fun in the process. That boring stigma’s broken. CREDIT SCORE Your credit score is about to get a whole lot healthier. Our credit builder will make looking at your credit report way less scary, and you might even have fun in the process. Leave the confusing credit building to this app and Equifax, you focus on feeling good about your money. MEET this app Get you an app that does Roast Mode. Sometimes you need to be told you’re a high-flyer, sometimes you need to be rinsed. Thank God this app has fun (sometimes), funny (always) personality modes. Heavily including memes, duh. this app helps you feel better about your money. Other ways you can improve your money health: • Save money automatically based on what you can afford • New ways to improve your Equifax Credit Score with credit coaching • Set any goal and this app can help you get there • Avoid your overdraft with an interest free cash advance* up to $100** • Cashback rewards up to 7% • Weekly money games and quizzes with cash prizes • Spendr rates your purchases and removes money stress *Available with this app Plus **Advance amounts vary depending on eligibility this app uses bank-level SSL encryption to protect your data and your deposits. All savings held in FDIC-insured accounts with protection up to $250,000 FEATURED IN Us Weekly: “this app makes us feel like money masters, and why shouldn’t we?” Tech Crunch: “The ‘digital assistant’ that replaces your banking apps…” Marie Claire: “Like a bank manager without the musty grey suit…” Forbes: “…Young people trying to make a start in life are in a far worse position than previous generations... So services like this app that are distancing themselves from the banking sector and are focusing instead on making finances easier to understand, are a step towards provoking more positive interest...”
Top Reviews
By DevonDivine
Love this app
My favorite part is the roasting. But, I also love the fact that it can pull money out of my account into a separate savings where I don’t even think about it being there. The app will never overdraft me. It will only take out a certain amount each week depending on my spending habits. I’ve only had the app for two weeks and yeah, I’m only going to have $40 saved in my this app wallet but, that money can accumulate quickly as long as I cut out my stress-spending. I’m essentially tired of being in debt and buying materialistic things. So, it’s nice to have an app keep track of my spending habits and call me out on it in black and white. According to the app, I’ve spent over $13K in just 3 months. Yes, many of it was bills. But, a ton of it was also simply overspending on things I don’t need. Thanks, this app!
By ChyAnnieeee
Love it but kinda sad
Okay so I have a bank that is like an only in the area kinda bank. Like it’s not very popular or big, idk why I let my mom talk me into banking with them but I did, anyways you guys don’t have it it’s Desert Communities Federal Credit Union, there’s similar ones but not the one I need, but my bank is merging with another called Arrowhead credit union and I believe that was in the search for banks. So I kinda have a question and hopefully it’ll get answered, my bank is doing the merge August 1, will my setup work then? Someone let me know. And I suggest before getting all excited about a really cool financial app like this you think about if your banked with a nation wide bank or if your bank is more local in your area because they might not have it.
By Virga$
Awesome idea, slightly unfair...
I really love the idea behind this app. As someone who is just entering the working world, I want to develop good financial habits sooner rather than later. I love how the app can praise or roast you about your habits, but when I tell it roast me, sometimes it can use information incorrectly/unfairly... 1. I currently pay rent using Venmo, but I feel like this app thinks I’m just shelling out money on random bs each month - it’d be great it could recognize there recurring purchase as a necessity and therefore exclude that from its analysis on my spending 2. I recently bought a car in cash and this app also yelled at me about that, even though financially it makes more sense to do so if you have the means (less additional recurring payments). But I think this app sees it as a frivolous purchase! It’d be nice if I could somehow convince the app to look past certain expenditures by marking them as truly necessary. 3. Money spent on public transportation fare is used against you, even if, say, you are using it for commuting purposes I feel like the app needs a way to filter out necessary expenses from its analysis of your spending habits and focus more on the money spent on things that aren’t necessary (entertainment, Starbucks, etc). Overall, I love the app, but would love to see it get even better!
