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Cleo cash advance: what it really costs
An AI money assistant whose cash advances need a paid subscription (Plus). Same-day delivery costs $4.49–$14.99, paid when you repay. Not available in Connecticut or Maine.
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$100 today
$10.48–$20.98
≈273–547% a year if repaid in 14 days
$100 by standard transfer
$5.99
≈156% a year if repaid in 14 days
| Operated by | Cleo AI, Inc. |
|---|---|
| Advance limits | up to $500 |
| Monthly membership | Plus subscription, $5.99 a month |
| Instant transfer fee | "An express fee that ranges from $4.49 - $14.99, which is payable at the time of repayment" |
| Standard transfer | Free; timing not stated on the page we read |
| Tips | Not stated |
| Repayment | On the due date; a 7-day extension may be requested in the app; optional partial repayments |
| If a repayment fails | Cleo keeps trying to collect while its debit permission is active; you can't borrow again until repaid. Cleo says it doesn't use debt collectors or report to credit bureaus. |
| Who qualifies | Based on recurring deposits and spending |
| Banks that don't work | none stated |
| Credit check | None |
| Not offered in | CT, ME |
| How to cancel | In the Cleo chat ("cancel Cleo Plus"). Deleting the app doesn't cancel. |
| App ratings | iPhone 4.7 (264k ratings) |
Go to Cleo We are not paid for this link.
Sources (checked October 30, 2026)
- https://web.meetcleo.com/faqs/en/articles/11864428-what-do-i-get-with-a-cleo-plus-subscription
- https://web.meetcleo.com/faqs/en/articles/8373678-where-in-the-us-can-i-request-a-cleo-cash-advance
- https://web.meetcleo.com/faqs/en/articles/3325860-how-do-i-cancel-cleo-plus
- https://www.ftc.gov/legal-library/browse/cases-proceedings/cleo-ai-inc-ftc-v-timeline-item-2025-05-02