10 Apps Like Cleo for Cash Advances, Budget & Credit Building

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apps like cleo

If you're looking for apps like Cleo, you've come to the right place. Cleo is a popular app that allows users to get cash advances and manage their budgets. However, there are many other apps out there that can help you with similar tasks. In this blog post, we will discuss eight of the best alternatives. We'll talk about what each app does and how it can help you manage your finances better. So if you're looking for an alternative to Cleo, be sure to read on!


Find below a complete list of all the apps like Cleo ranked and reviewed:

Best Apps Like Cleo for Cash Advances

1. Albert

Albert is one of the apps like Cleo that work with Chime. The mobile app helps you manage your money and allows you to apply for small amount loans . It offers overdraft protection, automatic savings, investing, and budgeting. This makes it a great app for anyone looking to get their finances in order.

The cash advance is a great feature if you need money right away. You can get a cash advance up to $250 from your next paycheck deposited directly into your bank account.

The automatic savings feature helps you save money without having to think about it. You can set it to automatically save a certain percentage of your income each month.

The investing feature allows you to invest your money in a variety of ways. You can choose to invest in stocks, bonds, or ETFs.

Finally, the budgeting feature helps you stay on track with your spending. You can create budgets for different categories and track your progress over time.


  • There is a service line for support, so if you have any problems with the app, you can easily get help.
  • The investing feature allows you to invest your money in a variety of different options.
  • The cash advance feature is a quick and easy way to get money when you need it.


  • In order to use the cash advance feature you have to suscribe to Albert Genius
  • The investing feature can be risky if you don't know what you're doing.

2. Dave

Dave is one of the apps like Albert and Cleo. You can download the app on the App Store or Google Play Store. The Dave app helps you budget your money. It is very user-friendly and easy to use. You can connect your bank account to Dave and it will automatically track your spending and give you a budget each month. You can also create custom budgets for different categories, such as groceries, dining out, or entertainment. Dave is great for people who want to get their finances in order and start saving money.

The cash advance feature is an easy, convenient way to apply for a cash advance of up to $500 without having to go through a credit check or pay any interest. You can receive the money in as little as one business day, and there are no late fees if you pay back the loan on time. To apply for a Dave cash advance, just visit their website and complete our simple online application.


  • Cash advanced amount up to $500
  • No interest charges


  • Express fees range from $1.99–$9.99
  • Customer Service not always helpful

3. Earnin

If you're looking for a way to get paid sooner rather than later, Earnin could be the app for you. Earnin is one of the cash advance apps like Dave that gives you access up to $100 per day and $750 per pay period from the money you've already earned. That means you can get your hands on your paycheck sooner, rather than waiting until your next payday.

One of the things that makes Earnin different from some of its competitors is that it doesn't charge any fees. That means you can use the app without worrying about extra costs. Another thing that sets Earnin apart is its user-friendly interface. The app is easy to navigate, which makes it simple to get the money you need when you need it.

The app is easy to use, and it doesn't charge any fees. Plus, with its user-friendly interface, navigating the app is a breeze. So if you're looking for a way to access your earnings before your next payday, Earnin is definitely worth considering.


  • No Fees – There are no fees associated with using the app


  • You cannot use it if you are self-employed.
  • In some cases, the app withdraws my payment early and paradoxly causes an overdraft in bank accounts.

4. Brigit

Brigit is one of the apps like Earnin offering and a great Cleo Alternative. Brigit works with over 15,000 banks and financial institutions in the United States, including Bank of America, Wells Fargo, TD Bank, Chase, and others.

Brigit is one of the newer entrants into the mobile banking space, but it offers a lot of features that make it stand out. Perhaps the most obvious feature is the cash advance. Brigit members can access up to $250 instantly, with no interest, late fees, or tipping. There's also no credit check, so this is a great option for people who may not have good credit. The cost is just $9.99/mo., and you can cancel anytime.

Another great feature of Brigit is the Credit Builder. This allows members to build their credit score over time by using Brigit as a credit line. This can be helpful for people who are looking to improve their credit score. Overall, Brigit is a great app with a lot of useful features.

πŸ‘€ Related Article: How to Borrow Money from Cash App


  • Up to $250 in cash advances


  • The cash advance comes with fees.

5. Moneylion

MoneyLion is an app like Cleo that loans money. More specifically, MoneyLion is a banking app that offers users personalized financial advice and access to investment opportunities. The app is designed to help users save money, build credit, and invest for the future.

MoneyLion helps users create a budget and set savings goals. The app also provides users a way to invest money and build credit score. MoneyLion offers access to a variety of investment opportunities, including stocks, bonds, and real estate.

The monthly account fee for accounts ranges between $1,43 and $5.


  • Up to $250 in cash advances
  • The app offers a complete range of financial products.


  • Standard delivery may take more than 3 days.
  • For express delivery you must pay an additional fee that ranges from $1.99 to $8.99 if you want to transfer your cash advances to an external debit card.

6. Empower

Empower is a cash advance app like Cleo. It allows you to get a cash advance without having to go through a bank. This can be helpful if you need money quickly for an emergency. The app is easy to use and you can get your money within minutes. However, in order to get your cash advance amounts you have to pay a $8 monthly subscription fee.

Best Apps Like Cleo that Help You Build Credit

7. Self

Self is a great alternative to Cleo if you are looking to build your credit. With Self, you can build your credit history by This could help you establish a good credit history, which can be helpful in the future when you need to borrow money for a car or a home.

How does Self work? First, you need to create an account on the Self website or in the App. Then, you will be able to choose the amount of money that you want to borrow and the payment term that best fits your budget. While you repay the Self loan, the borrowed sum is held in a secured savings account . You will need to make monthly payments until the plan is completed.

One of the great things about Self is that your monthly payments can be automatically deducted from your bank account. This makes it easy to make paymentson time each month.

Apply for Self

8. Kovo

Kovo Credit is a new startup that is shaking up the credit industry. Kovo Credit helps you build or rebuild your credit history. They offer small loans to qualified applicants, and report your monthly payments to two major credit bureaus. This can help improve your credit score over time, and make it easier to get approved for future loans.

To qualify for a loan from Kovo Credit, you must be at least 18 years old, have a valid ID, and a Social Security Number. Loans are available in all 50 states and there is no credit check, 0% APR and $0 fees.

To apply for a loan, visit the Kovo Credit website and complete the online application. You will need to provide your personal information.

You can use a Kovo Credit loan to finance courses on the Kovo platform and pick up useful skills. The loan must be repaid in full within 24 months.

Kovo Credit is an excellent way to build or rebuild your credit history. By reporting your monthly payments to two major credit bureaus, Kovo Credit can help improve your credit score over time.

Create a Kovo Account

9. Kikoff

The Kikoff app is a credit building app that helps you build your credit score. By using the credit account to make purchases on the Kikoff store and by having your payment history reported to the credit bureaus, you can watch your credit score grow. Additionally, by setting up autopay, you can relax and not have to worry about making your payments on time.

Create a Kikoff Account

Best Budgeting Apps Like Cleo

10. RocketMoney

If you are looking for apps similar to Cleo with a budgeting tool, you can take a look at RocketMoney. Budgeting has never been easier, or more fun, than with RocketMoney's budgeting app. The app will help you stay on top of your spending and it is free to download and easy to use. You simply create an account, link your bank account and credit cards, and then you're ready to go.

The app shows you a snapshot of your overall financial picture. You can see how much money you have in your bank account, how much you owe on your credit cards, and how close you are to going over budget on any given month. You can also see a bar chart that tells you how much money you've spent in each category over the past month (or year).

If you want to get more specific, you can tap on any of the categories in the bar chart to see a breakdown of your spending in that category. For example, if you tap on "Food & Dining," the app will show you how much money you've spent at restaurants, how much you've spent on groceries, and how much you've spent on take-out.

The app also lets you set budgets for each category. So if you don't want to spend more than $200 on groceries this month, you can set that as your budget for the "Food & Dining" category. As soon as you hit your budget limit, the app will start to color-code your transactions accordingly so that you can easily see when you're over budget.

The RocketMoney budgeting app is a great way to stay accountable for your spending and make sure that you're not going over budget in any given month.

Create a RocketMoney Account

What You Should Know About App Like Cleo

Apps like Cleo have become increasingly popular in recent years as more and more people look for ways to save money. These apps work by tracking your spending and providing insights about where you can cut back. They are typically easy to use, and most of them allow you to connect your checking account so that you can track your spending in real time.

Cleo is a great example of one of these apps. It provides personalized recommendations for how to save money on things like groceries, transportation, and utilities. You can also use Cleo to set savings goals and track your progress over time. If you're looking for a way to get more control over your finances, Cleo is a great option!

Another service that many apps like Meet Cleo offer is the ability to get a cash advance and avoid overdraft fees. A cash advance is a short-term loan that can be used for any purpose. The loan is typically due in full within a few weeks or months.

If you're someone who frequently finds yourself in situations where you don't have enough cash on hand to cover your expenses, then you may want to consider using a money app like Cleo. Just be sure to use it sparingly and only for emergencies.

Finally, starting a side hustle that pays the same day can be an excellent alternative to cash advance apps like Cleo. Not only does this help you avoid the hefty interest rates and fees associated with payday loans, but it also allows you to take control of your finances. Side hustles can range from delivering food to mowing lawns or dog walking β€” basically anything that requires a little extra effort and time in exchange for money. It's important to figure out what kind of side hustle works best for your skillset and available free time. You might find you have more success than expected if you pick something that interests you and use it as an opportunity to learn a new skill or craft.

Frequently Asked Questions

Is There A Cheaper Alternative To Cleo?

There are a few cheaper alternatives to Cleo, depending on what you're looking for. If you need a cash advance, Earnin is a great option that doesn't charge any fees. Kovo is also a good choice if you're looking to build your credit history, as it reports your payments to the major credit bureaus. Self Lender is another option that can help you build your credit score, as it allows you to borrow money and then pay it back over time.

How Do I Know If An App Like Cleo Is The Right Choice For Me?

Before downloading and utilizing an app like Cleo, it's important to ask yourself if this is the right choice for you. Apps like these are designed to help you keep track of your spending and manage your finances. Loans apps like Cleo are a great way to get out of a tight spot, but it's important to note that the loans should only be used for emergencies.

It's important to remember that there is no "right" or "wrong" answer when it comes to personal finance – what's important is that you find a method that works for you and stick with it. With that said, here are a few tips for getting started with an app like Cleo:

  • Make sure to connect all your bank accounts and cards accurately.
  • Try to create a budget and stick to it. This doesn't mean you have to deprive yourself – just be mindful of where your money is going and make adjustments as needed.
  • Review your bank statements regularly and look for trends in your spending. Do you tend to overspend on groceries every month? Or maybe you consistently go over budget when dining out? Identifying these patterns can help you make changes in your spending habits.
  • Start a side hustle! If you're struggling to stay on top of your finances, the best thing you can do to stay on top of your finances is to earn quick money with a side hustle.

Personal finance can be daunting, but it's important to remember that everyone makes mistakes – the key is learning from them and moving forward. By using an app like Cleo, along with some common sense and dedication, you can take control of your finances and start heading down the road to financial success!

Choose the Best Cleo Alternative for You

That’s it! You now know everything you need about the 10 apps like Cleo for cash advances, budgeting and for building your credit. Hopefully, one (or more) of these apps will work well for you and help keep your finances in check. If not, there are plenty of other great options out there – just do your research before choosing one. Thanks for reading!

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