“False advertising — I would have given this 5 stars if I’d written this review last month. For the first 2 months I was able to access the early income. When I came to try for the third time it told me I wasn’t eligible because I’d been…”
Independent automated assessment · 3 signal sources · 880 reviews scanned · analyzed 2026-10-06.
4.7 ★263,943 ratings
—Downloads
9+Age rating
167 MBApp size
FreeIn-app purchases
About this app
An AI money coach you can actually talk to. Cleo helps 8+ million users budget, save, build credit, or get a cash advance in those low-balance moments.
AI MEETS MONEY
Cleo turns money stress into a simple chat, where you can ask questions and learn about your finances (like a human).
Want to know how much you spent on takeout last month? Just ask Cleo…she has thoughts.
GET UP TO A $250 CASH ADVANCE
Dump your overpriced overdraft and get a spot from Cleo instead. Cleo’s up to $250 cash advance has:
- No interest (APR) - No credit checks - No late fees - No direct deposit required
SAVE WITH 2.72% APY
Grow your wealth with high-yield savings almost nine times higher than the national average.
AUTOPILOT
Automate your money moves with Autopilot.…
Preview
Real screenshots from the store listing.
Independent evidence report
Evidence and review signals
This is where the page changes from an app-store listing into an evidence report: findings, important reviews, pricing and a dated history.
Which version this describes
When we ran this analysis, and what the store lists now.
This analysis describes version 3.79.0 of the app, analyzed 2026-10-06 . The app may have changed since.
The store currently lists version 3.79.0, updated 2026-09-29.
What we measured
Each line is a measurement published as a measurement, never a verdict.
Each line is a measurement, published as a measurement. Where we have not looked, the line says so rather than reading as a zero.
Developer replies to reviews
Replies to fewer than 1 review in 20
Price in the store description
States a price and a billing period
Cancelling, in the store description
Does not say how to cancel
Themes reported by reviewers
2 themes reported
Counted from the reviews we have read for this app. "No theme reported" means no theme reached our reporting threshold — it is not a finding that nothing is wrong with this app, and we do not say it is.
Five-star share of ratings
80–89% five-star
Arithmetic on the stores' own published rating counts. It says nothing about why the ratings fall where they do.
In the package we scanned
No package has been scanned for this app, so nothing is published about what it ships. That is an absence of evidence about the app, not a finding about it.
Graded bands · predicate set 1.4 · how these are measured
What the analysis found
App-specific findings, grouped by what each one rests on. How they are graded lives on its own page.
One source only — shown, not confirmed 2
A single kind of evidence. We publish these because withholding them would be the bigger distortion, and we do not treat any of them as a finding we stand behind.
Reported by users: Reports that the ads misrepresent the app
Reviewers repeatedly report that the app is not what its advertising showed. We never see the ad creative itself, so nothing we collect can corroborate or refute this — it is published as an attributed user report: what reviewers say, and how many of them said it.
What we saw: Misleading advertising: raised by 8 distinct reviewers (0.9% of 880 reviews scanned)
Reported by users: Reports of unexpected charges
A large number of reviewers report being charged when they did not expect it — including being charged after cancelling during a free trial, or when a trial turned into a paid plan without warning. We cannot see anyone's billing, so this is published as an attributed user report: what reviewers say, and how many of them said it.
What we saw: Surprise charges: raised by 20 distinct reviewers (2.3% of 880 reviews scanned)
Highlighted reviews
Representative public review excerpts shown as user reports, not Appworthy audit evidence.
“Mr — False advertisement”
“Bait and switch — Cleo will display that you are approved for x amount of funds, but will only distribute it in small increments at a time, while charging you high fees. Meanwhile, the full amount is never actually available because they…”
Assessment & version history
App changes and Appworthy events in one timeline.
Store listing updated to version 3.79.0.
What this app sells
Useful store-disclosed pricing, kept below the app listing.
Business modelFree
Prices and terms as disclosed by the store listing.