Cleo works out whether you qualify for a salary advance based on how likely you are to be able to pay her back. She looks at your paycheck, your spending habits, your budget, and more. She does *a lot* of number crunching, and uses some heckin’ complex math to work it out.

We get it – rejection sucks. The good news? You can become eligible over time, and Cleo’s here to help you do it.To start off, here are some potential reasons why you aren’t eligible right now:

  • Insufficient funds in your account. We need to know you have enough regular income to pay back your advance successfully and stay on top of your finances 😊Consistency and regular payments are key! It also helps if you connect the account where you get paid is connected to Cleo.

  • Too many cash withdrawals, missed payments, low account balance or not enough transactions also play a part in Cleo’s decision.

  • We might not be able to support your bank to pull through transactions.

  • You may have no accounts connected to Cleo at all 😲

  • You may have taken multiple loans recently – Cleo needs to cool off before she can give you another, and this can take up to 7 days.

  • The probability of you defaulting on repayments might be high.

  • If you’ve missed your Cleo Plus subscription payments or pay them late regularly.

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