You’ve just repaid a salary advance, and now you’ve been told to wait to take out another. What gives? This is known as a cool-off period, and it’s there to help you improve your money habits so that you don’t become forever reliant on emergency funds (don’t say we don’t have your back).

Cleo’s cool-off period lasts a full twenty-four hours from when you last repaid your advance. An example: You paid off your advance on Monday at 2:30pm, so your cool-off will automatically be lifted the following day –Tuesday at 2:31pm.

Unfortunately, there's no way for us to go above Cleo's head on this one. But patience is a virtue, after all. As soon as you make your repayment, you’ll be just 24 hours away from your next advance.

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