The cash advance is Cleo's answer to extortionate overdraft fees and the scary-expensive world of payday loans. It’s part of Cleo Plus, our subscription service. 

If you qualify, Cleo can give you a no-interest advance of up to $100 to help you stay out of your overdraft. You pick your repayment date - anywhere between 3 and 28 days - and pay Cleo back when you reach it. 

After you’ve paid Cleo back and cooled-off from the buzz of your account being in the black, you can ask Cleo for another advance. 

And no, this won’t affect your credit score.