Cleo
People who want a $20 to $250 advance with no interest and no late fees. You must be willing to email support to skip the subscription.Facts verified September 11, 2026
Cleo is a money app with a cash advance called Cleo Cover, plus optional Plus, Pro and Builder subscriptions. You can skip the subscription and still get an advance for free. Just email support instead of using the in-app button. Advances run from $20 to $250. Express delivery costs $4.49 to $14.99, though Cleo lists a lower starting price on its App Store page.
$250
Max advance
$0/mo
Subscription
None
Credit check
Up to $14.99 (starting fee disputed)
Instant fee
The details
- Max advance
- $250
- Daily limit
- $170
- Limit resets
- Per day
- Mandatory fees
- None
- Premium plan (optional)
- Plus $5.99/mo, Pro $8.99/mo, Builder $14.99/mo
- Interest
- None
- Late fee
- None
- Credit check
- None
- Direct deposit required?
- No
- Bank-link required
- Yes (Plaid)
- Instant transfer
- Same day
- Instant transfer fee
- Up to $14.99 (starting fee disputed)
- Free transfer
- 3 to 4 days
- Tips
- None
- Eligibility
- Connect the bank account you are paid into via Plaid. Not available in Connecticut or Maine. First-time cap $20 to $100, grows with deposit history.
Pros & cons
Pros
- You pick your own repayment window, from 3 to 14 days. Most competitors set that window for you.
- If you need more time, Cleo lets you extend your repayment date by up to 7 days past your original due date.
- Standard delivery is free every time and takes 3 to 4 days. There is no minimum subscription needed to use it.
- Cleo never charges interest on a cash advance, no matter how much you borrow. The only optional cost is the express fee.
- Cleo does not charge a late fee if you miss your repayment date. Your advance still needs to be repaid, just without a penalty on top.
- Your advance limit can grow as Cleo tracks your paycheck deposits and spending. It is not a single fixed cap for every user.
Cons
- Cleo does not put a free, no-subscription request button in the app. To get an advance without Plus, Pro or Builder, you have to email team@meetcleo.com and wait for a reply.
- First-time advances top out around $100, and the lifetime cap is $250. That is small next to a rent payment or a car repair.
- Express delivery costs $4.49 to $14.99 depending on the amount, per Cleo help center. Cleo's App Store listing shows a lower starting fee of $3.99, so check the current price in the app.
- Plus costs $5.99 a month and Builder costs $14.99 a month. Paying for either does not guarantee a bigger advance.
- Cleo cash advances are not available in Connecticut or Maine. Check the app to confirm your state before you sign up.
- Cleo requires a linked bank account through Plaid before you can request an advance. You must connect the account where your paycheck lands.
