Download Cleo on your phone and follow these steps:

1. Sign up: Create an account in the app.
2. Link bank: Connect your main bank account.
3. Subscribe: Upgrade to Cleo Plus or Cleo Builder for cash advances.
4. Request 'Spot me': Open the chat and type "Spot me".
5. Eligibility check: Cleo evaluates your income and spending.
6. Confirm details: If eligible, verify your info and sign any documents.
7. Choose terms: Select your advance amount (up to $250), repayment date, and delivery speed.
8. Get cash: Receive the funds in your account.

You will usually get your cash advance in 3 to 4 business days with the free standard transfer.

If you need the money faster, you can choose to pay an express fee to get your advance within 24 hours. The fee depends on the amount you're borrowing:

• $3.99 for advances up to $39
• $6.99 for advances from $40 to $59
• $7.99 for advances from $60 to $99
• $8.99 for advances from $100 to $149
• $9.99 for advances of $150 and above

This way, you can access your cash more quickly if you're willing to pay a bit extra.

Out of hundreds of reviews published in February and March 2025 that we analyzed, we found over 25 recent comments mentioning funding speed. Here’s what users say about it:

• Fast for many: Over a dozen users praise Cleo for quick cash advances, often receiving funds "within minutes" or "immediately" after signing up. They find the service fast and easy, especially helpful when they need extra cash before payday.
• Delays and funding issues: About 6 users report frustration with delays or problems receiving their advances. Some mention that Cleo no longer offers instant deposits to debit cards, now only providing options that take 3–4 days or require using Cleo’s own card with fees. Others encountered errors preventing them from getting advances at all.

Overall, while many users appreciate Cleo's speedy funding, a notable number are experiencing delays or difficulties accessing funds promptly, especially due to changes in funding options.