CLEARBORROW · PUBLISHED NOVEMBER 12, 2026

Apps like Cleo: cash advance alternatives

By Petrov Andriy, founder and editor · AI-assisted desk research

QUICK ANSWER

Cleo pairs budgeting with advances through paid plans or a no-subscription request. Close alternatives include EarnIn (no required fees), Brigit and Tilt (subscriptions), Klover (points and optional Klover+), FloatMe (small first advances) and Chime MyPay for Chime customers. Grant is our partner. Compare the monthly fee and the first amount you are likely to get.

How this list works. Grant is a ClearBorrow partner and is marked; the other apps are not, and we earn nothing from them. Facts come from each developer’s App Store listing or official pages; we did not open accounts or take advances.

On this page

The alternatives at a glance
How to choose
If you use Cleo for budgeting
Questions
Sources and limits

The alternatives at a glance

Cleo says you can request an advance without subscribing by contacting its official support address, with eligibility checks; standard delivery is described as three to four days (Cleo ↗). Alternatives:

App	Advance	Cost to know	Note
EarnIn	Up to $200/day	No mandatory fees; optional tips and speed (EarnIn ↗)	Verified earnings
Brigit	Set in app	Plus $8.99 or Premium $15.99/month (Brigit ↗)	No-subscription route described
Klover	Up to $750 (conditional)	Klover+ $4.99/month optional; express fees by amount (Klover ↗)	Points system
FloatMe	$10–$50 first, up to $200 later	Membership; no-membership route described (FloatMe ↗)	Small amounts
Tilt	$10–$500	$8/month after a 14-day trial (App Store ↗)	Formerly Empower
Chime MyPay	$20–$500	$2 instant or free within 24h (App Store ↗)	Chime direct deposit
Grant (our partner)	$25–$500	Optional $9.99/month Plus; $2–$21 Express (App Store ↗)	Not a loan; average first-time advance $66

How to choose

Do you already have direct deposit at a bank or app? Banking apps (Chime, Current, Varo) unlock advances only with deposits there.
Can you wait a day or more? Several apps have a free standard route; pay for speed only when the bill cannot wait.
Count the monthly fee. A subscription is part of the cost even in months you take nothing.
Check the first amount, not the maximum. Most apps start lower; see average offers where they publish them.

If you use Cleo for budgeting

Cleo’s appeal is its budgeting chat. Albert also bundles budgeting with advances, through $19.99–$39.99 plans (App Store ↗). If you only need the advance, a plan you pay for every month may cost more than the advance is worth.

Questions

Is there a free app like Cleo?

EarnIn’s standard route and Chime’s 24-hour MyPay route have no fee in the sources we checked; both need income or deposits they can verify.

Which app like Cleo gives the most?

Advertised maximums vary (Klover up to $750, Current up to $1,000), but first offers are usually much lower.

YOUR NEXT STEP

Explore the selected cash-advance partner

Grant is the selected commercial advance partner in our directory. Other apps discussed in this guide have their own separate requirements and terms.

Partner links. We may earn a commission if you continue and complete an eligible action. Selected partners only; no approval or funding guarantee. Advertising disclosure.

Cash advance

Grant Cash Advance

Published amount: Amount depends on current eligibility
Cost: No interest; fees can apply

Plus and optional express delivery can add costs. First-time amounts and state access must be checked directly.

Visit Grant Cash Advance (partner website, opens in a new tab)Read costs and limitations

Alphabetical order, not a ranking. Confirm state availability with the provider. You can review an offer and decline it.

Sources and limits

Developer information checked November 12, 2026 (Cleo, EarnIn, Brigit, Klover and FloatMe: October 24, 2026). Terms change often and the amount you are offered is set in the app. Examples are our own arithmetic, not offers. How we use sources.