Hundreds of Cleo reviews from March 2025 that we analyzed suggest users can rely on the app. Here’s what they have to say about it:

• Lifesaver: Many users describe Cleo as a “lifesaver” that comes through when they need extra cash during tough times or in a pinch.
• Always There: Several people highlight that Cleo is "always there when I need it", appreciating its reliability and ease of use.
• Inconsistent Advances: A few reviewers mention frustration with inconsistent cash advances when the app's information isn't up to date. Still, the dominant theme is clear: most users see Cleo as a steady backup plan that’s there when they need it most, whether to cover unexpected expenses or bridge the gap until payday.

Based on user feedback, while Cleo advertises a maximum cash advance of $250, many users receive much lower amounts. Here's what we found:

• Higher advances possible: Some users report receiving higher advances—one even mentioned being approved for $280 after just a month.
• Low starting amounts: Many users only got advances of $5, $30, or $40, even after paying membership fees.
• Fluctuating amounts: Some experienced their available advance amounts decreasing unexpectedly, despite timely repayments.
• Unlikely to hit $250: Several users expressed frustration at never reaching the advertised $250 maximum, even after months of use.

While Cleo can provide quick cash when you need it, don't count on getting the full $250 right away. If you're considering Cleo for larger advances, be aware you might start with smaller amounts.

Even though Cleo is a legit company, we found over 40 reviews published recently describing the service as scammy (for context, this is out of hundreds we analyzed). About 30 explicitly call the service a “scam”, “fraud”, or “thieves,” while others mention unauthorized charges or hidden fees that made them feel deceived.

Several users report being charged subscription fees but not receiving the promised cash advances, or being told they didn't qualify after paying. A few worry about data security or unauthorized withdrawals from their bank accounts, and express frustration with unhelpful customer service.

The overarching theme is that people feel tricked or financially harmed, often pointing to unwanted subscriptions, surprise fees, and difficulty canceling or getting refunds.