Cleo AI: Cash advance & Credit

Frequently Asked Questions

How do I set up my account and get started with Cleo AI?

Download the app, register with your email or phone number, verify your identity, and connect your bank account via Plaid (Settings > Bank Accounts). Then start exploring features openly.

Can I use Cleo AI without linking my bank accounts?

No, linking your bank accounts via Plaid (Settings > Bank Accounts) allows Cleo to provide accurate spending insights and budgeting. Without linking, feature functionality will be limited.

How does Cleo AI help me manage my daily expenses?

Cleo categorizes your transactions, tracks your bills, and provides insights through chat. To set up, connect your bank (Settings > Bank Accounts) and start asking about specific expenses.

What is a cash advance on Cleo, and how does it work?

Cleo offers up to $250 as a cash advance, accessed via the app (Home > Cash Advance). Repay exactly the amount you borrow, with no interest or fees, making it simple and transparent.

How can I build my credit score using Cleo AI?

Use the cash advance feature and follow credit coaching tips within the app (Settings > Credit Builder). Starting with a deposit of at least $1 helps establish or improve your credit.

What are the benefits of subscribing to Cleo Plus or Cleo Grow?

Cleo Plus offers credit insights and cash advances; Cleo Grow helps set savings goals and earn interest. Subscribe inside the app (Settings > Subscriptions) for added features.

Is there a fee for requesting a cash advance or using premium features?

No, Cleo's cash advances are interest-free and have no hidden fees. Premium subscriptions like Cleo Plus or Grow may have subscription fees, billed via the app (Settings > Subscriptions).

What should I do if the app crashes or I face technical issues?

Try restarting your device, updating the app, or reinstalling. If problems persist, contact support through the app (Settings > Help & Support) for assistance.

Can I access my paycheck early with Cleo AI?

Yes, set up direct deposit in the app (Settings > Income & Paychecks), then your earnings may be available up to 2 days early for urgent needs.

Are there any eligibility requirements or restrictions to use Cleo AI?

Yes, services are available only in the US. You must select your state during setup and meet basic verification criteria (Settings > Account). Additional features may have specific eligibility.