Latest Version
1.347.0
February 08, 2025
Cleo AI
Finance
Android
0
Free
com.meetcleo.cleo
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More About Cleo AI: Cash advance & Credit
Cleo is a financial management application designed to simplify your financial interactions through a conversational interface. Instead of feeling overwhelmed or bored, users can chat with Cleo to get quick answers about their spending habits, such as the amount spent on takeout over a specific period. This user-friendly approach aims to make financial learning engaging and accessible, helping users manage their money without stress.
One of the standout features of Cleo is its cash advance service, which offers users access to up to $250 without the conventional hurdles associated with personal loans. This service requires no interest, credit checks, or late fees, making it an advantageous alternative to traditional overdraft options. Users simply repay the amount they advance, with no hidden fees or complicated terms. This feature is categorized as Earned Wage Access, emphasizing that it is not a personal loan but rather a straightforward cash advance.
In addition to cash advances, Cleo promotes savings through a high-yield savings account that boasts a 3.52% annual percentage yield (APY), significantly higher than the national average. This feature allows users to grow their wealth steadily without the restrictions often imposed by traditional banking institutions. Additionally, Cleo assists users in crafting personalized budgets, utilizing Plaid to analyze spending patterns and provide insights and reminders related to their financial activities.
Cleo also emphasizes the importance of building credit without needing a credit card, featuring various tools like credit score coaching and a credit builder program. Users can access their paychecks up to two days early, helping to alleviate financial pressure before the official payday. Cleo offers subscription services tailored to users' needs, each providing unique benefits such as savings goals and credit score insights. As a financial technology company, Cleo partners with a banking institution to ensure secure management of users' finances while being transparent about privacy policies and data protection.
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