Cash Advance Apps

How much does Cleo let you borrow?

How much does Cleo let you borrow?

By Editorial Team
Last Updated: Apr 03, 2025

Cleo advertises that they provide cash advances of up to $250. If you're a first-time user, you might start with a smaller amount. The maximum amount you can get from Cleo depends on your eligibility, which looks at things like your financial habits and how active your bank account is.

Cleo checks for regular and consistent deposits into your main bank account and likes to see healthy spending and budgeting habits. They want to make sure you have the ability to repay by looking at your income, how you use your account, and how you manage your money.

Table of contents

Does Cleo actually send you $250?How to get a bigger cash advance on Cleo?

Does Cleo actually send you $250?

Based on the user reviews we analyzed, it appears that getting the $250 maximum cash advance from Cleo is not common. Our data is drawn from reviews published up to March 2025, offering recent insights into Cleo's practices. Here's what users are saying:

  • Fast advances: Some users appreciate the quick access to cash, mentioning that advances come through within minutes.
  • Budgeting tools: Cleo is praised for its budgeting features and helping users set financial goals.
  • Low amounts offered: Many users report being offered advances of only $30 or $40, even after using the app for a while.
  • Limits don't increase: Users express frustration that their cash advance limits never increase, despite paying back on time.
  • Fluctuating limits: Some users mention that Cleo lowers their available advance amounts without explanation.
  • Fees don't match advances: There are complaints about paying a subscription fee only to get small advance amounts, making it feel not worth the cost.

Overall, while Cleo can provide quick cash advances and useful budgeting tools, most users seem unable to access the advertised $250 maximum. If you're expecting a large advance, you might find Cleo's offerings to be on the lower side, typically around $30 to $50.

App reviews talking about Loan Amounts:
"...only able to give me an advance of $30 🤣..."
"The advance amount fluctuates too often..."
"...wish I'd get approved for more then 30 dollars but it's a cool app..."

How to get a bigger cash advance on Cleo?

Many Cleo users have found it tricky to increase their cash advance limits, even after repaying previous advances on time. Some mention that their available amounts fluctuate unexpectedly, and they're not sure why.

To try for a bigger cash advance on Cleo, make sure you're consistently paying back your advances promptly and that your income and bank details are up to date in the app. Staying on top of your repayment schedule and maintaining steady income deposits might improve your eligibility over time.

If you're still not seeing an increase, you could reach out to Cleo's customer support for more information, though some users report challenges in getting clear answers. It might take some patience, and if higher limits are essential for you, exploring other apps with more transparent criteria could be a good move.