Cleo is an AI money coach that assists over 5 million users in managing their finances. Through simple chat interactions, users can ask questions, receive financial advice, and track their spending habits. Cleo offers features such as budgeting assistance, cash advances up to $250 without interest or credit checks, and high-yield savings options with a 4.11% APY, significantly higher than the national average.

Users can challenge their spending habits with Cleo's customized challenges and receive specific feedback on areas where they can cut back. Cleo also helps users build credit without the need for a credit card, offering services like credit score coaching and a Credit Builder Card with a $1 minimum deposit. Additionally, Cleo provides early access to direct deposit funds, allowing users to unlock their earnings up to 2 days before payday.

Cleo offers subscription services tailored to different financial needs. The Cleo Grow subscription includes savings goals, challenges, and access to a high APY on savings. The Cleo Plus subscription adds credit score insights and eligibility for cash advances. The Cleo Credit Builder subscription further enhances these features by providing credit history insights and priority support. Cleo is committed to safeguarding user data and is not affiliated with various other financial apps and services listed in the disclaimer.