Cleo AI: Cash advance & Credit 9+

One of, if not THE BEST cash advance app on the market! I also have the Cleo Credit Builder Card, which has helped to improve my credit score tremendously! I also really enjoy the Cleo Chat feature. Specifically, the way Cleo responds to messages. I find the whole “roasting” aspect and Cleo’s “shade throwing” quite fun! An app definitely marketed to the younger age group, but anyone who appreciates “ball busting” humor will get a kick out of Cleo’s responses.

However, now that A.I. has made its way into society & usage has skyrocketed exponentially since it started rolling out, I was wondering if this will eventually be integrated into Cleo? I think having A.I. capabilities integrated with Cleo would be a game changer! Not only would Cleo’s responses be more personalized to each individual user, but it will make the experience more custom and cater to each Cleo User’s personality & habits! Cleo would certainly be more useful & I imagine more Cleo users will end up utilizing the chat feature more! Anywho, just a thought and curious!

But anywho, Cleo is a wonderful app and I highly recommend those who are already using other apps such as Earnin, FloatMe, Brigit, Empower, Albert, SoLo Funds, Dave, Varo, etc. Will find Cleo to be the one leading the pack!

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.

I’ve used this app 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 this app to begin with. Now the app itself is okay to run, it’s not so bad. What makes this 2 star worthy isn’t the app itself but the lack of options. Yea it’s funny to have an app roast your spending habits, sure, but it feels like the app 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 this app 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.