By Editorial Team
Last Updated: Apr 03, 2025
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If you’ve been using Cleo to manage your finances or snag a cash advance before payday, you might be curious about other apps that offer similar—or even better—features. Cleo offers cash advances up to $250, but to access the highest limit, you'll need to subscribe to Cleo Builder at $14.99 per month. Plus, if you want your cash instantly, express fees ranging from $3.99 to $9.99 apply. If you're looking for lower subscription costs, faster free transfers, or different financial tools, there are plenty of great alternatives to explore. In this article, we've rounded up the top apps like Cleo to help you find the best fit for your financial needs.
Cleo at a Glance: Key Features & Fees
Advance amount
$20 - $250
Monthly fee
$5.99
Regular funding time
3-4 business days
Express funding time
Within 24 hours
Express funding fee
$3.99–$9.99
Main features
Cash advances up to $250, AI financial assistant, high-yield savings, credit building tools, early paycheck access.
Advance amount
$20 - $250
Monthly fee
$5.99
Regular funding time
3-4 business days
Express funding time
Within 24 hours
Express funding fee
$3.99–$9.99
Main features
Cash advances up to $250, AI financial assistant, high-yield savings, credit building tools, early paycheck access.
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Table of contents
Top apps like Cleo
The following apps are 3 category leading cash advance apps like Cleo:
1. Brigit
Best for: Higest reviews and average score
4.8
602K Reviews
Advance amount
$25 - $250
Monthly membership fee
$8.99
Regular funding time
1–3 business days
Express funding time
20 minutes
Express funding fee
$0.99-$3.99 per transaction (free for Premium subscribers)
Main features
Instant cash advances, automatic overdraft protection, credit building tools, expense tracking, earn extra income.
2. EarnIn
Best for: Highest cash advance amount
4.7
560K Reviews
Advance amount
Up to $750
Monthly membership fee
Free
Regular funding time
1-2 business days
Express funding time
Minutes to 30 minutes
Express funding fee
$2.99–$5.99 per transfer
Main features
Access your earned wages before payday, automatic saving feature, overdraft protection, free credit monitoring, financial planning tools.
3. Chime SpotMe
Best for: Lowest monthly fees
4.8
1,751K Reviews
Advance amount
$20 - $200
Monthly membership fee
Free
Regular funding time
Timeframe for standard advances is unknown
Express funding time
Timeframe for express payments is unknown
Express funding fee
There is no expedite fee
Main features
Overdraft up to $200, automatic limit increases, covers purchases and withdrawals, SpotMe Boosts with friends
All apps like Cleo
Here you'll find the full list of 10 apps like Cleo ranked by Advance amount, Review score, or any other parameter that's most important to you:
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4.1
17K Reviews
Advance amount
$10 - $80
Monthly membership fee
Free
Regular funding time
2-3 business days
Express funding time
30 min
Express funding fee
There is no expedite fee
Main features
Instant cash advances up to $100, buy now pay later, earn rewards, bill management
3.7
39K Reviews
Advance amount
$5 - $1,000
Monthly membership fee
$0.99
Regular funding time
3–5 business days
Express funding time
1–20 minutes
Express funding fee
$1 to $4
Main features
Instant cash advances up to $1,000, flexible repayment, expense tracking, credit monitoring, tax filing assistance.
4.7
500K Reviews
Advance amount
$10 - $350
Monthly membership fee
$8
Regular funding time
1 business day
Express funding time
15 min – 2 hr
Express funding fee
$1 up to $8, and then 3% for advances of $300+
Main features
Instant cash advances up to $350, no interest or credit checks, line of credit building credit history, automatic savings.