CASH ADVANCE MATH / APPS LIKE CLEO
See what Cleo Plus adds to a standard advance, then compare 11 other apps with the same amount, payday and delivery assumptions.
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Cleo requires a paid plan for the in-app advance route. This comparison uses Plus at $5.99 per month; a free standard transfer still carries that membership cost.
Official FAQs disagree on the maximum: one says $290 and another says $250. The model uses the lower $250 ceiling. First-time users are shown a range of $20 to $140.
The normal repayment date is 3 to 14 days after the request. The model does not assume an extension. Cleo is not offered in Connecticut or Maine.
Non-subscribers can apply through customer service. Response and approval timing are unverified, so that route stays separate from the paid in-app ranking.
Cleo cash advance FAQ · Cleo subscription charges · Cleo repayment FAQ
Source snapshot checked Sep 29, 2026. Confirm current terms with the provider.
The example: $100 over 14 days, standard delivery, another bank, $0 tip, one advance per month and no qualifying Varo deposits.
Paid in-app memberships are allocated entirely to this one advance. Dave uses its published maximum membership charge. Total payback includes membership even when it is billed separately. The 14 days are a comparison assumption; the provider sets the actual repayment date.
The model uses general fee tables. Personal limits, state exceptions, bank support and approval still need checking. MoneyLion's free route needs MoneyLion Spend, and Current's needs a Current Account. Neither is a free transfer to your selected outside bank.
8 alternatives have a modeled price below. Equal-cost options are displayed alphabetically. 3 more apps cannot be ranked for these inputs.
No delivery fee into a Current Account, typically within 3 business days.
Requires a Current Account and an eligible payroll deposit of $200 or more. This is not a transfer to your selected outside bank. State restrictions apply.
No delivery fee if you can wait 1-2 business days.
General fee table, up to $150 per day. Fees, tips and limits differ in some states. Approval and your limit are not assured.
No delivery fee for standard ACH, usually within 3 business days. Klover+ is optional.
General fee table. Indiana, Wisconsin, Connecticut and Maryland have different terms. Points can lower delivery fees; no points discount is assumed.
No delivery fee to a MoneyLion Spend account, usually 1-2 business days.
Requires MoneyLion Spend. The July 2026 terms restrict free external delivery to people unable to open Spend; that exception is not assumed.
Membership, with free ACH delivery in 1-3 business days.
Uses the $6.99 membership route. A no-cost route is available by email; timing is not verified. The maximum is $200. Indiana fees differ.
Membership, with free ACH delivery in about 1 business day.
Uses $8 per month after the trial. A waiver can be requested by email. Delivery to the Tilt debit card is free, generally within 1 minute. Wisconsin and Maryland fees differ.
Plus membership, with free delivery in 1-3 business days.
Uses the $8.99 Plus in-app route. A no-subscription application route is available by email; timing is not verified.
5% advance fee ($5 minimum), plus the allocated membership. Free ACH delivery takes 2-3 business days.
Uses up to $5 monthly membership. Instant delivery to Dave Checking has no delivery fee, but the advance fee still applies.
No price is assigned to these apps. Missing information and unmet requirements do not mean a $0 advance.
Not ranked. Requires Chime Checking, an activated physical card and qualifying direct deposits. Select Chime if that is your account.
Not ranked. Mandatory draw fee shown in app. The published external fast-transfer fee does not establish the full advance cost; draw fees remain unpublished.
Not ranked. Requires a Varo account. Without $800 in qualifying deposits, the supplied percentage and dollar fee table conflict. Check the app; this price is not ranked.
Brigit and FloatMe document email routes without a subscription; Cleo allows a customer-service request, and Tilt allows an emailed membership-waiver request. Their response and approval timing are not verified. The ranking uses the paid in-app routes, and the calculator lists these conditional alternatives separately.
Cleo is not the cheapest in the default $100 standard example: its modeled cost is $5.99, while Current, EarnIn, Klover, MoneyLion Instacash each model at $0.00.
Cleo is not ranked for $100 with instant delivery. Fee shown in app. The exact instant fee for this amount is unpublished. Select standard delivery to compare the known standard cost. Its cost is unknown or unavailable for these inputs, not $0.
None of the 8 standard and instant examples at $50.00, $100.00, $200.00, $250.00 makes Cleo the lowest-cost ranked app route.
MoneyLion's standard route requires MoneyLion Spend, and Current's requires a Current Account. Unpublished prices are excluded, so these results cannot prove which offer is cheapest for you. State exceptions, eligibility and personal limits still apply.
Change the amount, delivery speed and monthly membership allocation in the calculator to compare another scenario. Conditional membership waivers and account-specific routes have their own requirements.
All 12 cash advance app profiles cover fees, repayment and account requirements. Use the full cost calculator for another amount or delivery speed.
If you need more time to repay, read about credit union Payday Alternative Loans. They use different terms and eligibility requirements.