Cleo AI Reviews

lures people to sign up and immediately pay membership fee by offering the only tempting benefit that is appealing anyone to sign up in the first place which is cleo cover. it allows you to open account and hAs all the credentials it needs and account opens and charges your account instantly with no issue . when you attempt to use the cleo cover with is the reason why most people sign up for this pointless app , they say you are not eligible and make up a wierd reason that makes no sense . i am ineligible because i began a setup through CleoAI once previously but never opted for the cover and deleted my account bc there is nothing else it does . that is known by cleo as a “ duplicate account” from their records. funny that is has no issue with your duplicated account signing up and getting opened and have no issues charged an immediate fee to this “duplicate account” . also you will never get a question answered or issue resolved as it appears the only employee that cleo app is a chat bot that repeats the same 5 stupid questions over and over unrelated to your question. emailed the “support” chat a week ago and got no reply or indication that a live person even works in this company . Beware!!!!

CleoAI started off great and extremely useful for what I was looking for in a budgeting app. I signed up for Cleo+ and even gave them my private information for their new rollout feature to collect interest in their own savings account. I loved CleoAI for 1-2 months and the categories and spending is great.

However - I will never recommend CleoAI to anyone purely that their customer support is non existent. I have sent over 12+ email over a *simple* issue linking the Cleo cover that they offer and absolutely no response. I then have sent in 4+ account cancelation/deletion requests over two weeks now and not received one response back. On top of that, my account has not been deleted and is still active despite my numerous deletion attempts. They also refuse to disconnect my bank and banking information. Before you ask, yes I did email support for this and big shock they have not once responded to me. If I could stop myself from ever giving my personal information to this company I would immediately. Especially considering they will not delete my account or private financial information from their app. It’s baffling to me how they have so many great reviews with a non existent customer service team. If I ignored emails at work the way they do I wouldn’t have a job anymore... and they shouldn’t either.

Steer clear and do not give them any of your information.

Whether it’s deposits hitting my account, or Cleo canceling savings transfers from my checking account, she’s always a day late. I’m notified at minimum 12 hours after a deposit hits (usually 24 hours later). She sets an amount to transfer from checking into cleos savings wallet, and cancels it the next day because I’ve spent money. Of course I’ve spent money, it’s my checking account! Even when I have Cleo set up to round up my dollar for every card purchase I make, it isn’t instant. It is set for the following day, and she cancels these too when too much money is spent. I pay for the membership which I’m now canceling. For a (very small might I add) salary advance, it takes seven days to do another one. They call this a cool off period. However, on the 6th day after you pay your advance back, Cleo tells you to check back later that day if you want another advance... however I’d you paid Cleo back at 6 am, you really can’t get another salary advance the day she is telling you to check back. Her days are registering as hours to her.. you have to wait 24 more hours until 6 am the next FAU to get the advance. I know this is a lot of information, but people like CleoAI for what reason?? She’s 24 hours behind with absolutely EVERYTHING that goes on in your checking account. I’ll be cancelling and deleting CleoAI . 0 stars if I could

I’ve tried to cancel my Cleo plus subscription since January 6. I’ve have screenshots of multiple conversations I’ve had with the bot and multiple emails confirming I cancelled but I woke up today to another charge for the subscription to my account. They don’t have a way to remove any of your card information from CleoAI so they can just keep charging you. I decided to cancel the subscription in the first place due to the fact that I paid for the credit builder and added 10$ to the account and couldn’t access it due to a glitch. Every time I put my passcode in, it would say that it was wrong even after I kept resetting the password. I spoke to support and they said that they were aware of the problem and trying to fix it. It’s been weeks. That’s another 10$ stolen from me that I don’t have access to. I can’t even use the physical card I ordered because you have to activate it through CleoAI and you have to enter your passcode to do that and the passcode is glitching. I want my $10 back from the credit builder and the 9.99 from the Cleo plus subscription.

I strongly advise against downloading CleoAI especially if you don’t plan to use it a lot, you will not get the full services of CleoAI and will have to pay a $5.99 subscription fee for the full services and if you don’t cancel the subscription within the first 7 days of signing up you will not get a refund and will be told by customer service there’s nothing they can do and it’s company policy to not give you a refund for a charge that you might want back when you want to cancel it out of those 7 days and it doesn’t matter if you forgot to cancel it and 7 days have passed and the charge was accidental you still will be told there’s nothing they can do, you will receive no notification or warning that an upcoming bill from Cleo for the subscription is coming up until it’s too late and it’s taken out of your bank account, and even then when it comes to the $100 spot or loan that comes with the full services when your pretty low on money and you want to prevent your account from going into overdraft it’s a chance you may not qualify for it. All in all it’s the most terrible experience especially when the customer service takes days until they finally respond and even then it’s not helpful and just repetitive of what they say and they won’t fully talk to you or try to work something out.

AN ABSOLUTE SCAM!!!! I have contacted support NUMEROUS times in an effort to remove my bank account and delete my account altogether. No one got back to me for several months, and when Jacob finally did contact me, I thought he had gotten everything taken care of. Silly me for trusting anyone from Cleo for a second. I get emails monthly about $5.99 being transferred from my account to Cleo Wallet, which is supposed to be a savings account. However, I have no such thing. They’re taking money from me and there’s nothing I can do about it. I can’t get into my own account because it doesn’t send me the verification email to verify who I am. Jacob claimed it was a fee for Cleo plus, but I unsubscribed from that already. There is NO REASON I should be getting charged, and then after bringing it to their attention, getting charged AND THEN not even being able to get into the account anymore. I am furious because all I want is to be rid of everything to do with Cleo who is just a seemingly permanent leech on my bank account. Please save yourselves from my predicament and just don’t even involve yourself with them.

I used Cleo a lot about a year ago and it was great. Never had any issues. But I downloaded it to use again about a week ago. I added my new bank information. Paid the $5.99 for Cleo plus to be able to get $100 versus the $30 advance however what it doesn’t tell you is you might still only get the $30. That’s frustrating but I move past it and get to the $30 advance opting for the immediate availability option for $3.99. Then I’m waiting. After a day still no deposit. So I’m poking around CleoAI and come to find out they deposited into an old account I no longer have access to. Even though I put my new account information into CleoAI . So I do what anyone would and I reach out. That was 3 days ago. I still have not received any response even though I have reached out multiple times. And of course there is no number to call. It’s just chat. So it is safe to say I will never use CleoAI again. And I will never recommend it to anyone again. I’m now just hoping I can cancel the Cleo plus tomorrow when the advance is supposed to be repaid as I cannot cancel it with an active advance.

I found CleoAI through a social media influencer (first mistake) and thought it looked both interesting and useful. It was, for about a day, then it became CleoAI I most hated, taking up space on my phone until I finally deleted it. What happened? Cleo happened. The voice CleoAI adopts is... obnoxious. It’s combative, and not in a good or helpful way. You know that mean girl who sits behind you in art history who clearly feels superior to you and always has an opinion, especially about you? That’s Cleo. Cleo is also your mom when you were a teenager trying to sneak back into the house at 4 AM. It’s a weird voice to take for an app that’s supposed to be helping us, not (constantly) chiding us, but Cleo seems to think this tone may stir some people into better managing their finances. It doesn’t. It makes us abhor CleoAI instead, so much that every time I saw a message come in from CleoAI, I instinctively swatted it away. Also, you need to pay a subscription (of course *eye roll*) to use some of CleoAI ’s more advanced features. If you refuse to, which I did, you basically have a snarky byatch in your pocket providing the most basic account management functions which anyone of us can perform on our own sans the added lip service. I’ll take that, thanks. Bye Cleo!

So I’ve been using Cleo for a while now and have never EVER had any issues till this last week. And let me tell you, this is really ridiculous. I’ve been going back and forth with the customer service through CleoAI via messaging and it seems not a single person I’ve chatted with knows what’s wrong and no one can fix it. I was told about 7 days ago that a ticket was being submitted for a tech to look at and then a couple days later I was told another ticket was being submitted and here I am still with no resolutions a couple days later. Cleo keeps saying I need to connect my bank when my bank is already connected and they withdrew the amount I owed the same day it said my account wasn’t connected. So I don’t understand why this is till an issue and I just feel I’m being pushed around cause no one knows how to fix this. It’s honestly ridiculous and I’ve never had customer service take this long to get to a resolution. I really really love Cleo and would love to continue to use it but if this keeps happening I don’t see the point in having it. Once the issue is fixed I will gladly rate it 5 stars but at this point it’s not holding up to a 5 star rating

I’ve used CleoAI for over a year and it was nice to have the change rounded up and saved. However, with apps like Acorn who invests that for you, there really isn’t a point anymore for this feature. This was mainly the reason why I wanted CleoAI to begin with. Now CleoAI itself is okay to run, it’s not so bad. What makes this 2 star worthy isn’t CleoAI itself but the lack of options. Yea it’s funny to have an app roast your spending habits, sure, but it feels like CleoAI keeps your savings in prison or something. You have to wait “3 business days” which I’m guessing excludes Fridays and the weekends. Meaning that if you place a withdrawal on a Wednesday it claims it won’t be in your account until Tuesday!! If you are reading this and are okay with waiting that long, then CleoAI is not so bad. It has some unique features that could be useful but were not useful for me personally. If someone would have told me that their business days are Monday- Thursday I would be less harsh but it’s frustrating when the money is needed and you have to wait almost a week to get it!!! Not to mention it was supposed to be in my account already but somehow was canceled. It’s frustrating to say the very least. If they were to add an instant payout method then that feature alone would easily make my rating 4 stars. Since that isn’t an option and some glitchy stuff happened with my transfer, they will be getting 2 stars from me.

I was recommended Cleo by a friend who loves how user friendly it is and how it can roast her, and I thought it would be great for my chronic overspending problem. I downloaded it and immediately starting having problems. First it took awhile to connect my bank account and now here’s two of the same one. Second, when adding my income (which I had to do manually, as I couldn’t choose one of the suggested ones) it was in pounds, not dollars, and it would NEVER save. Third, making my own budget (as the one Cleo suggested was just not gonna work for me) was difficult because it always said I didn’t have enough money to cover my spending. I went in vacation this month and spent a lot of money, but I wasn’t hoping on starting the budget this month. I guess I’ll try again next month and see if I have any luck. Also, when I was trying to identify bills, it was next to impossible as I have multiple iTunes bills and I couldn’t specify which ones update when or choose prices.

Suggestions: Make it easier to view which bank accounts are linked. Fix currency. Have a reset button for the entire app. Make a button when creating a budget on when it should start (like it will start when the next month comes around). Focus more on working on upkeep and not just making it yell at me. Let me manually input prices when it comes to bills.

Right now I’m not very happy with Cleo, but I really want it to work. I will try again next time I get paid so we will see.

**Update** I finally received some help and the issue seems to be resolved, however I’m only updating my review from 1 star to 3 stars due to the customer service response time, they really need to work on the support for CleoAI, if it weren’t for the customer service I would give CleoAI/company a 4 or 5 stars.

Let me begin by saying I don’t like to ‘review bomb’ an app or service but I’m at the end of my rope! I cannot get any help whatsoever and this is my last ditch effort.

I used to give think CleoAI was amazing but I’m recently having issues of trying to withdraw from my account with Cleo, every time I try to withdraw I get an error with absolutely no information; it just says to contact support. I contact support and it’s crickets, this isn’t the first time I’ve tried to contact them about issues and they never respond, I always get told support will be back in an hour, that I’ll receive emails that I never receive. I usually get left to figure out my issues on my own but now that I have tied up 250$ in CleoAI it’s annoying and I’m prepared to cancel my plus subscription and take all my money out, whenever I actually get support. I’m beginning to not trust CleoAI.

I would have given CleoAI 5 stars, but - I sign up for it using the free version. In order to get the full benefit you must sign up for the paid version. CleoAI has been looking at my bank account, directly connected on the free version seeing everything. When I attempt to get the paid version, once I pay - it can not operate right at all. The advance option? The savings option? The cash back option? It says “link your account” I ALREADY DID THAT - now I do it again. Each time I connect, the bank it says my account is connected, then says “hmmm that’s not right, try to link your account again” WHAT?!?!?!?!? I wanted to speak with a human, nope - nothing I got a stupid bot who can only answer the questions that the developers program them to answer. Why the hell do I need to add my bank account, the same account I have had linked this WHOLE TIME 7 times - to be told I’m CONNECTED to only be told “HMMMM THATS NOT RIGHT....” Your GD right it’s not right. Take the money and can not connect at all? To an account your connected to. Better give me money back. Do not waste your time.

I’ve been a long time Cleo user (since the Facebook messenger days), and I’ve always enjoyed your service. It’s a fun UI and lets you get really cool insights into your spending. I do have some issue:

1. When reconnecting my bank account, it was taking forever for Cleo to “import/collect transactions” so I kept having to press the X after 10 minutes (said it would take only a few minutes) and 1 hour later I see have have my bank account linked 5 times! I had to keep trying because I didn’t think it was working but apparently it did, ALL 5 times lol. No biggie, thought I could delete the 4 duplicates. Nope. The trash can button next to the accounts doesn’t work. Unless of course, this button also has a delay of 1 hour. Luckily there is a “hide account” option so that is a workaround for now, but would rather not have to do that.

Otherwise, the improvements made by the team are always great.

First of all- I love CleoAI. What a fun way to track money! HOWEVER- there are a few issues I’m running into
Namely Bills: I pay rent to my roommate via Venmo, however I also use Venmo to pay friends for drinks, going out, a coffee, etc. Cleo isn’t able to distinguish between individual Venmo payments, so she categorizes ALL Venmo payments as bills and will not let me manually break them up into other categories (ie.- eating out, shopping, etc.)
Which leads me to the next issue: Cleo isn’t able to create more spending categories- she has basic ones (ie.- eating out, shopping, expenses, bills etc.) But to be most functional I would love for CleoAI to add the ability for the consumer to make their own individual spending categories. For example, my puppy is a big expense category for me, but lumping her expenses in with all my other expenses doesn’t let me track as well what I am spending in each category of MY life.
As I said, love CleoAI- but these few minor changes would really take CleoAI to the next level!

I never write review, I mean you could look at my Apple account... not a single on there. It’s not because I don’t have the time, or I don’t want to because I think a lot of apps here are great but every once in a great while you stumble across the holy grail of applications where it’s either the top of its class or in a class all of its own well ladies and gentlemen CleoAI is both of those things.
I first met Celo when he was bound to the constraints of Facebook messenger, he was an infant at this point the brainchild of some developers hoping it was there claim time fame. Well Celo had a Glow up guys and gals, he’s got his own app now, and man did he go from zero to hero in a heartbeat. Not only will he...
Keep track of your expenses
Alert you when something’s not quite right
Send you daily reminders that are practical and funny
Manage everything about your banking without the white noise from other apps
And makes baking fun!!!
If you took the best parts of the mobile apps from Chase, Wells Fargo, Citibank, Bank of America, and Discover and put them into a single app and added a heaping tablespoon of other useful stuff you have Celo.

Bottom line guys Celos not a banking app, he doesn’t coming with a checking account but he does have a nifty savings plan! He’s a fully automated, streamlined, useful, funny, and easy way to understand financial matters! Do yourself a favor and press that little blue button!

if you're the kind of person that needs a little smack in the face every once in a while in order to behave, CleoAI is definitely for you. it's SUPER easy to use and set up, including easy-to-access email verification that involves absolutely no manual switching of apps, it's literally two buttons to press and you're done. it's aesthetically pleasing if that's important to you, and feels like a really honest friend helping you out with your money. it roasts you if you spend too much moola and is set up as a personal conversation so it's genuinely fun to use. the only things i was bummed about is that if you don't get your paycheck through venmo, you have to manually enter your paycheck every time you get it. it might just be a me problem but that's a little frustrating. you should also know that it has some crude language so i wouldn't consider it to be family friendly. other than those two things, i think it's a great resource to save money and track your spending!

This is hands down one of the coolest apps I’ve ever used! If you are serious about wanting to save money but need a little truth to how you spend it, than this is CleoAI for you! They literally break down every single thing down for you! You connect your bank and it automatically tells you what you’ve spent money on and total amount in a certain time frame, they have fun “games” that hit you with the stuff you waste money on and then do you regret it or are you ok with it AND THE BEST part is they automatically create a ALLOWED SPENDING option that calculates the money you currently have in your bank and your income, then how much your bills are and breaks down every category (entertainment, bills, eating out, gas etc) and how much you can spend that week on those things so you don’t have to guess how much you can spend on stuff; it calculates it all for you! This is a MUST HAVE app!!! I’m so happy I found this and the last person to write a review on an app but this needs to be heard and seen because it’s life changing!!

If you’re looking for an app to help you budget, it’s Cleo. If you’re looking to consolidate your info so you can see everything in one screen, ask Cleo. If you need help saving for anything, ask Cleo.
Cleo may not have the most creative responses yet, and you’ll have to learn some key words and phrases to get the correct answers, but as a work in progress, Cleo really is amazing. She does almost everything I need her to do, and the things I’ve suggested have been noted by the team. I’ve contacted support many times and get feedback soon after. The team behind Cleo is always looking to see what they can do better and how they can help more, while also making Cleo’s overall atmosphere relaxed and as stress-free as finances can be. I especially enjoy Cleo’s different modes, such as Hype and Roast. The Facebook group is friendly and any questions you post there will always be answered. CleoAI ’s layout is easy to understand and has very few glitches, and when something does happen, it’s fixed soon after. I would 100% recommend Cleo to anyone who needs help managing their finances.

Cleo will praise you, roast you, play quiz games with you based on your own spending and budget. She’ll show you where your money goes the most, highlight areas for potential improvement, help you set realistic and achievable budgets while accepting your voice and feedback in the process. She can help you monitor your credit and work to improve it, and even spot you payday advances as needed and within reason. Overall their are plenty of useful features that make it an app that almost anyone and everyone could truly benefit from. Try it and if it’s not for you, you can go back to stuffing your money in your mattress, or continue believing that your big bank has your interests (or lack of interest, pun intended) as their priority. Truly one of the more valuable apps you should have in your app arsenal.

I’ve really tried with Cleo. Twice, actually. But CleoAI just doesn’t seem to speak the same financial language I do. I use Simple banking and their app is already set up for envelope budgeting. So once I separate out each paycheck, I budget based on what’s leftover. But Cleo only sees my total amount, not the leftover amount, which is what I actually need her help with. Even when I try to plug my bills into her, she still doesn’t get any of the numbers right and it’s all just more trouble than it’s worth. Not to mention CleoAI being totally unintuitive. I might try again it’s ever tweaked so I have a bit more control over the budget and what transactions are handled than Cleo does (meaning, I handle all of the numbers myself and Cleo just records and informs me of transaction types of my choosing and then does the math to adjust the spending budget - more like an assistant). But since that doesn’t seem to be an option right now and Cleo doesn’t play nice with other budgeting tools, I’m giving up...again.

I really liked CleoAI starting out because I was able to track my spending much better than trying to do it manually. I decided to try out the wallet as a better way to set aside money to save. I changed bank accounts and the account associated with the wallet is now closed. I was unaware that I couldn’t change the account without withdrawing the money first. Now I have no way of getting the money out and NO ONE will respond to my chat and I have been trying since Sept 1st. I acknowledge that it’s over the holiday weekend but it’s been two business days and it’s 2:30 CST and it’s saying ‘back tomorrow.’ All I want to do is get the money that I put into the wallet out and be done with it. The bank already said that I cannot get the funds returned to me unless I reopen my bank account which seems a little ridiculous. The customer service really needs to be fixed up when you’re dealing with people’s money. I’ll be deleting CleoAI and never using it and NEVER recommending it once I can get this sorted out.

$5.99 a month for what??? I was approved for a loan in August. I paid it back on time. In September I tried to get a loan again, but I wasn’t eligible. No real reason why. My income was the same. Nothing changed. So I decided to cancel. It seemed that if I cancelled my subscription within 48 hours of being charged, I would be refunded the subscription fee within 3-5 days. I was never refunded. “Customer service” said I didn’t qualify because I took out a loan before. And they only refund the subscription cost for the newest customers. So I paid $5.99 for the second month for absolutely NOTHING. basically you get messages every time you spend any money. What drew me in was thinking I would have an option to get loans from time to time if needed. And that was going to be a big help. But I guess you qualify one month, and maybe not the next. It doesn’t make sense. I will stick with DAVE. It’s $1 a month and it has helped me from time to time when needed. Your customer service was pretty rude. Just get Charlie for free and download Dave for small loans if needed. Charlie is basically the same thing as Cleo, but not a rip off.

I downloaded Cleo and connected it to my bank. As far as income, it did see what money I get from my job but it wasn’t detecting the deposit my boyfriend makes to my account. So I tried adding it in. While adding an income it was showing amounts in dollars ($), which was correct, and then once it was added it was showing only that income as pounds (£). Next was my bills. I pay my rent online but for some reason my rent was no where to be found in my list of transactions. So I tried to add it. I would go through the prompts and it wouldn’t add it no matter what I did. So I ended up using another bill and adding my rent amount so at least the numbers would be in there. Okay so time to set up a budget. The numbers Cleo were pulling made no sense to what is actually in my bank account currently since all bills have been paid this month. (I DID put the next due date correctly on all my bills) it was making absolutely no sense every step of the way. Such a great concept, and great advertising to make it seem like it works but it didn’t work at all for me. What a disappointment.

I loved CleoAI at first, even though my account balance was very slow to update. Now the account information has actually backdated, instead of updated... in the middle of August my transactions since the middle of July suddenly vanished and the last transaction showing is July 19th. Miraculously they were still able to take out my monthly payment and advance repayment 🙄 I have sent four total messages to the Cleo support team, which is almost impossible to get to that screen. No answer on any of them. I contacted my bank, Capital One, and was told that Cleo does not meet their “safety standards” and they will no longer allow them to connect to my account. I want my monthly fee refunded, at this point I am just so angry that to connect with the support team, instead of just reading help articles took a ridiculous amount of time and that no one will answer me! I have been looking on social media and cannot find them anywhere, either. I would be very careful before downloading CleoAI, not only due to the customer service but because of the “safety standard” issue

It’s fun and informative, but it’s really not that smart. I’ll start by saying that it was a huge eye opener as it gave me my yearly spending and that hit me like a ton of bricks, download CleoAI just for that! But, that’s it that was helpful, that 1 feature. It should know what a toy store is (especially if the store has the word “toy” in it). It needs more sub categories. It should recognize “Discover” as a credit card payment. It should let you add that Discover Card so it knows you’re paying back debt and congratulate you instead of saying you’re over your budget for the month because of it. Also, the responses are all preprogrammed and not AI so it’s just repetitive. There’s a lot it should do and I expected it to do, but it hasn’t done it yet. When you don’t use preprogrammed questions, it says it doesn’t understand you...even something as simple as how much did I spend on “a category”. I’m keeping it downloaded because it makes checking spending easier even if it’s not broken down well, but this is feedback for the support team to work on implementing .

I like CleoAI, but one big problem with it is I can’t see when monthly auto-pay transactions are charged. CleoAI gives me a day they predict the charge happens, but it does not let me double check (or see how many months I’ve been paying for it, or literally anything). With Non-recurring purchases I can just type the name of the vendor into CleoAI and they pop up in a list - it doesn’t do this for transactions CleoAI decides are bills. I can’t even temporarily reclassify the bill as a one off (this might be a bug in my app though) and then turn it back into a bill. I could go into my bank’s app to see it of course, but part of the reason I like CleoAI is because I have two banks and CleoAI condenses all my purchases into one place. So having to flip between apps kinda defeats the purpose. If there is a fix or workaround please let me know. But this is super annoying

I really love the idea behind CleoAI. As someone who is just entering the working world, I want to develop good financial habits sooner rather than later.

I love how CleoAI 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 Cleo 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 Cleo 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 Cleo sees it as a frivolous purchase! It’d be nice if I could somehow convince CleoAI 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 CleoAI 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 CleoAI , but would love to see it get even better!

Heard about Cleo from a friend. Cleo has a lot of pluses and multiple choices for budgeting. Most people are looking for the “Spot Me” feature where they can get money advanced to them from their future paycheck. This feature will cost you $5.99 to join Cleo+. If you’re always running short, then the $5.99 a month is worth it. There are no fees or interest on the loan and you can have a 1 time extension to pay it back if you happen to be short on the day it’s due.

Payment can be made same day, but that also costs a few bucks. Overall...it’s a useful tool if you need a budgeting friend that will loan you money. It may initially say you aren’t eligible, but be patient. You may have to go through one budget cycle and chat with Cleo a bit before you’re eligible for Spot Me. That’s why I only gave it 4 stars rather than 5.

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. CleoAI will never overdraft me. It will only take out a certain amount each week depending on my spending habits. I’ve only had CleoAI for two weeks and yeah, I’m only going to have $40 saved in my Cleo 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 CleoAI , 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, Cleo!

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.