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Cleo AI: Cash Advance & Budget
Cleo AI Ltd · Finance

We analyzed this app across 3 independent signals and corroborated nothing unfair. That is a signal, not an audit.

Nothing unfair corroborated · unauditedConfidence: High3 signal sources880 reviews scannedNot human-reviewedas of 2026-10-06
 Which version this describes

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 the analysis found

Each finding shows what agreed and how strongly. Automated analysis

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
One source onlyShown, not confirmed — the only source is user reviews.view evidence
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
One source onlyShown, not confirmed — the only source is user reviews.view evidence
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)

What reviewers said

Verbatim excerpts from public store reviews, shown as corroborating user reports. They are not Appworthy audit evidence, and a quotation is not proof of the finding it sits under.

Reports that the ads misrepresent the app

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…

2★ · App Store · 2026-09-29

Mr — False advertisement

1★ · App Store · 2026-09-22

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…

1★ · App Store · 2026-09-16

Reports of unexpected charges

Happy — It comes in handy when I need a little extra cash in my checking when I had unexpected bill etc…

5★ · App Store · 2026-10-02

Cash Advances — Paid all of my cash advances back on time and they lowered my next cash advance. This is ridiculous and bs not to mention I can’t get anywhere with the AI assistant who doesn’t resolve my issue. Also went and took my…

2★ · App Store · 2026-09-28

Awful — They double bill and do not refund what they stole

1★ · App Store · 2026-09-22

How the automated analysis works

Automated, corroborated, and never human-reviewed without a person.

This assessment is produced automatically. Three independent signals are read — user reviews, the store listing and the store privacy disclosure — and each candidate finding is filed under the sources that support it.

No charge stands on one kind of evidence — with one published exception. A finding is either a measured fact that anyone can reproduce (an ad SDK is in the package; every subscription bills weekly; the privacy label omits a tracker we can see), or it is an interpretation — and an interpretation needs independent sources to agree before it reaches the catch list. The exception is a harm only users can see: a charge may publish from reviews alone, as “Reported by N users”, once enough reviewers raise it to clear that charge’s own published bar. That agreement rule is what replaced the human reviewer, not a model’s confidence.

There is no overall score, on purpose. A 0–99 number was published here until 2026-09-15. It was withdrawn because it discriminated too weakly to be the instrument — 44.7% of every pair of apps tied — and because a single number is a verdict where a count is an observation. What publishes instead is a row of measurements, each of which says what was counted and, where we could not look, says that instead.

Findings under One source only are real reports we do not stand behind as findings. They are shown because withholding them entirely would hide a genuine complaint, and labelled because publishing them as charges would be an accusation off a single source.

 Not yet human-reviewed

Several measurements above say “Not assessed” because no artefact we hold can answer them. A human review is what resolves those — and it can remove a favourable band as easily as add one.

Hands-on inspections are not yet open.

 How this page was produced
Analyzed 2026-10-06 Version analyzed: 3.79.03 independent signals880 reviews scannedConfidence: HighNot human-reviewedVocabulary v1.13Methodology v1.3
Signals run: user reviews, the store listing and the store privacy disclosure. Not yet checked: SDKs in the app package, the app's own on-screen text and the app manifest.