5 Apps Like Cleo To Get Instant Money
6 MIN READ
Published May 22, 2024 | Updated March 08, 2025
Expert Verified
Written by Priyanka Trivedi
Edited by Wes Silver
Reviewed by Teresa Dodson
Turbo Takeaways
Cleo is a cash advance and budgeting app that offers cash advances of up to $500, though initial advances can be low. While it’s a practical option for those who need money quickly, the steep membership fee can be a downside.
You’ll need to pay a monthly fee to access cash advances through the Cleo app or use credit builder tools. Instant processing is available for an additional express fee ranging from $3.99 to $9.99. Below is a brief summary of Cleo's key features:
- Advance Limit: $500
- Monthly Fee: $2.99 to $14.99/month
- Processing Time: 4 business days
- Repayment: Next payday, 14-day extension available
If you’re looking for apps like Cleo that are more cost-effective, consider some of the options we’ve listed in this guide.
5 Cash Advance Apps Like Cleo
We compared 12 apps like Cleo based on their advance limit, monthly fee, express fee, processing time, and repayment flexibility to select our top five recommendations.
| Cash Advance App | Advance Limit | Monthly Fee | Processing Time | Repayment |
|---|---|---|---|---|
| Chime | $200 | No fee | Instantly | Next payday, 14-day extension available |
| Albert | $250 | NA | 2-3 business days. Instant processing with an extra fee | Next payday |
| Dave | $500 | $1/month | 2-3 business days. Instant transfers for an extra fee of $0.99-$3.99 | Next payday |
| MoneyLion | $500 | NA | 1-2 business days. Instant processing for an extra fee of $0.49-$8.99 | Next payday |
| EarnIn | $750 | Optional tip | 1-2 business days. Instant processing with the Lightning feature | Next payday |
1. Chime
- Advance Limit: $200
- Monthly Fee: No fee
- Processing Time: Immediately
- Repayment: Next payday, 14-day extension available
Chime SpotMe offers no-fee overdraft protection of up to $200, unlike Cleo, which charges a monthly fee. You’ll need to have a Chime checking account to access the service and must have at least $200 deposited in your account each month.
One benefit of Chime is that you can get your paycheck up to two days early in your account. The lender also offers a 14-day extension if you can’t repay the advance when you get your paycheck.
| Pros | Cons |
|---|---|
| No-fee advances | Fee-free overdrafts are only available to eligible customers |
| No monthly membership fees | Some purchases and withdrawals may be subject to spending limits |
| Flexible repayment | You may have to pay third-party fees like ATM charges |
| No credit check |
2. Albert
- Advance Limit: $250
- Monthly Fee: NA
- Processing Time: 2-3 business days. Instant processing with an extra fee
- Repayment: Next payday
The Albert cash advance app allows eligible users to borrow multiple advances per pay period if they have a good repayment history. There aren’t any mandatory membership fees, late fees, or interest charges.
Genius, the paid membership offered by Albert, provides you with access to additional features for $96 per year.
| Pros | Cons |
|---|---|
| Free advances of up to $250 | Membership cost is quite steep |
| No mandatory fees or late fees | You’ll need to verify your income to qualify |
| Additional perks like cash-back available with paid membership | You’ll be automatically enrolled in the paid membership when you create an account |
3. Dave
- Advance Limit: $500
- Monthly Fee: $1/month
- Processing Time: 2-3 business days. Instant processing for an extra fee of $0.99-$3.99
- Repayment: Next payday
Dave’s ExtraCash app offers free cash advances of up to $500, which is much higher than the $250 limit offered by Cleo. While you need to have a monthly membership, it only costs $1/month, which is much lower than competitors.
Other than cash advances, the mobile app also offers other features, such as budgeting tools and access to a gig platform.
| Pros | Cons |
|---|---|
| No interest fee or late fees | Personal information, such as income history and spending patterns, is needed to qualify |
| Very low monthly membership fee | Instant delivery fees can be high |
| Additional perks like budgeting tools and gig marketplace |
4. MoneyLion
- Advance Limit: $500
- Monthly Fee: NA
- Processing Time: 1-2 business days. Instant processing for an extra fee of $0.49-$8.99
- Repayment: Next payday
With the MoneyLion InstaCash app, you don’t need to pay a monthly fee to get advances of up to $500. For added perks and tools, there are several membership options, such as the Credit Builder Plus program for $19.99/month and the RoarMoney package for $1/month. With a RoarMoney membership, you can borrow advances of up to $1,000.
| Pros | Cons |
|---|---|
| No mandatory fees | High monthly fee for credit building and budgeting features |
| Larger cash advance amounts | It may take weeks to qualify for the higher advance amounts |
| Offers several different types of financial services | |
| Ability to extend repayment date |
5. EarnIn
- Advance Limit: $750
- Monthly Fee: Optional tip
- Processing Time: 1-2 business days. Instant processing with the Lightning feature
- Repayment: Next payday
EarnIn cash advance app allows you to borrow up to $750 of your paycheck with the Cash-Out feature, depending on your eligibility. The advance limit is higher than most other apps, and there are no financing or interest charges.
You’ll need to be employed and have a minimum income of $320 per pay period to qualify for Cash Outs. There are no such income requirements with Cleo.
| Pros | Cons |
|---|---|
| Higher borrowing limits | Not a viable option for gig workers |
| No credit score check | You’ll need to verify your income |
| No mandatory monthly fees | Not compatible with all banks |
Things To Consider When Comparing Apps Like Cleo
If you’re looking for apps like Cleo, there are many options available. Here are a few things to keep in mind when comparing cash advance apps.
Fees and Interest Rates
Apps like Cleo may charge fees in a number of ways. For example, basic services may be available for a fee, but you’ll need to pay a monthly subscription fee to access other perks and tools.
Many apps allow you to borrow advances without any financing charges, but there may be an optional tip. There may also be other charges, such as late fees, express fees, and fees for transferring to some bank accounts. Be sure to compare these fees carefully so you can find the most affordable option.
“Make sure if you want to use this as an option that you check the fees involved with the app,” says Teresa Dodson, founder of Greenbacks Consulting. “In the end, it may not be worth the quick cash,” Dodson adds.
Repayment Options
Like payday loans, you’ll need to repay any advances you borrow on your next paycheck. Most apps like Cleo will withdraw this amount automatically from your account when your paycheck hits.
There may be an overdraft fee if your account doesn’t have enough funds on the scheduled repayment date. Be sure to plan on repaying the advance on time or ask for an extension if you don’t think you can pay.
User Reviews and Ratings
Read the customer reviews on review websites like TrustPilot and on iOS and Android app stores. This is a good way of comparing apps like Cleo because it’ll provide you with a better idea of other users’ experiences. Ask family and friends for recommendations and make sure the app has a good track record of customer service.
Compare Multiple Apps Like Cleo Before You Use One
While there are several cash advance apps like Cleo you can use to deal with unexpected expenses, the membership fees and other hidden fees may make them quite expensive. Compare multiple apps, carefully read the reviews, and make sure you’re aware of the true cost of borrowing funds.
Cash advances are only suitable for emergencies, and it's best not to rely on them regularly. There may be other borrowing options that are more suitable, such as personal loans for larger loan amounts.
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