Firstly, you’ll need to sign up for Cleo Plus, our subscription service. It costs $5.99 a month (significantly cheaper than an overdraft charge).

So you’ve got the membership, and now you want some $$$. We’ve got you. Either head to the Borrow Tab or type “cash advance” or “spot me” to Cleo in chat, then hit the button that says ‘Spot me 🚀'. Cleo will let you know if you qualify for an advance, and for how much.

If you don't qualify, don’t sweat it–there are ways to become eligible. If you do qualify, just pick from the amounts you're eligible for and go from there.

Once you choose your amount, you can decide when you want to repay (anywhere between 3 and 28 days).

📅 Then choose when you want your advance to hit your account. You can pay a $3.99 express free to receive your advance today, or you can get it in three to four days for free.

Cleo will let you know once your advance has landed (just make sure your notifications are turned on).