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Cleo

2.3
Update2024-08-27
DeveloperCleo AI Ltd / Cleo AI
OSIOS / Android
Categoryapp
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Description:Cleo: Budget & Cash Advance Cleo is an AI-powered money coach that transforms managing your finances into a simple, engaging conversation. With over 5 million users, Cleo helps you budget, save, build credit, and access cash advances during low-balance moments. Key Features: AI Money Coach: Chat with Cleo to learn about your spending habits, track expenses, and get personalized financial advice—all in a fun and interactive way. Cash Advances Up to $250: Say goodbye to expensive overdrafts. Cleo offers cash advances with no interest, no credit checks, and no late fees, helping you cover expenses when you need it most. High-Yield Savings: Earn 4.11% APY on your savings, significantly higher than the national average. Cleo’s automated saving hacks, like Roundups and Smart Save, help you grow your wealth effortlessly. Spending Challenges: Tackle your spending habits with custom challenges that motivate you to save more. Cleo provides insights and encouragement to keep you on track. Flexible Budgeting: Build a personalized budget that accommodates your lifestyle. Cleo gives you a comprehensive view of your finances, with spending breakdowns, bill trackers, and reminders. Credit Building: Improve your credit score with Cleo’s credit-building tools, including cash advances, credit score coaching, and a credit builder card with 0% APR. Early Paycheck Access: Access your paycheck up to two days early by setting up direct deposit through Cleo. Cleo makes managing your money easier, smarter, and more enjoyable. Whether you need a quick cash boost, want to save more, or improve your credit score, Cleo has you covered.
HOW TO PLAY:Cleo: Budget & Cash Advance App User Guide Welcome to Cleo, your AI-powered money coach! This guide will help you navigate the app and make the most of its features, enabling you to budget, save, build credit, and access cash advances with ease. Getting Started Download and Install: Download the Cleo app from your device’s app store. Sign In or Register: If you’re new to Cleo, create an account by providing your email address and linking your bank account. If you already have an account, sign in using your email and password. Using Cleo’s AI Money Coach Start a Chat: On the home screen, tap the chat icon to start a conversation with Cleo. Ask Cleo questions about your spending, budget, or savings, and receive instant, personalized advice. Track Your Spending: Use Cleo’s chat to ask about your spending habits. For example, type “How much did I spend on groceries last month?” to get a breakdown of your expenses. Cleo will provide insights into your spending patterns and suggest ways to cut back. Accessing a Cash Advance Get a Cash Boost: Tap on “Get Cash” from the home screen. Choose the amount you need, up to $250 (or $100 for first-time users). Review the details, including any express fees for instant transfer, and confirm the request. Repaying the Cash Advance: Repay the advance at your convenience. There’s no mandatory repayment timeframe. You can make a repayment by going to the “Repay” section and selecting the amount you want to repay. Saving with Cleo Set Up High-Yield Savings: Tap on “Save” to open a high-yield savings account with 4.11% APY. Choose from Cleo’s saving hacks like Roundups, Smart Save, or the Swear Jar, which automatically adds money to your savings based on your spending habits. Monitor Your Savings: Track your savings progress in the “Save” section of the app. Cleo will update you on how much interest you’ve earned and provide tips to boost your savings. Building Your Credit Access Credit Building Tools: If you’re looking to improve your credit score, tap on “Credit” to explore Cleo’s credit-building features. Start by enrolling in Cleo’s credit builder program, which includes a 0% APR credit builder card, credit score coaching, and cash advances to help build your credit. Track Your Credit Progress: Monitor your credit score within the app and receive personalized tips on how to improve it. Budgeting with Cleo Create a Personalized Budget: Tap on “Budget” to build a budget tailored to your lifestyle. Cleo will analyze your transaction history and help you set realistic spending limits across various categories, like groceries, entertainment, and bills. Monitor Your Budget: Use the budget tracker to see how well you’re sticking to your budget. Cleo will notify you if you’re close to exceeding your limits. Early Paycheck Access Set Up Direct Deposit: To access your paycheck up to two days early, go to the “Get Paid Early” section and set up direct deposit through Cleo. Follow the prompts to complete the setup and start receiving your paycheck earlier. Managing Your Account Update Personal Information: Go to “Settings” to update your personal details, manage your linked bank accounts, and adjust notification preferences. Get Help: If you need assistance, tap on “Support” in the app to contact Cleo’s customer care team. They’re available to help with any questions or issues you might have. Logging Out To log out, tap on your profile icon or the settings menu, and select Log Out. Always log out after each session to ensure your account remains secure.
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IOS
Android
Version:1.314.0
Size:113.62MB
Price:Free
Released:2019-02-23
Updated:2024-08-27