Cleo AI: Cash Advance & Money

Cleo AI APK is a free finance app for Android by Cleo AI. Cash advance, budget & expense tracker. Improve your credit score & save money. On this page you can get the latest version 3.86.0, read what it offers and follow a simple install guide.

What Is Cleo AI APK?

Cleo AI belongs to the Finance category and is built by Cleo AI. It has already reached 5,000,000+ installs on Google Play with an average rating of 4.6/5 from 155,605 ratings, which shows how many people rely on it every day.

An AI money coach you can actually talk to. Cleo helps 9+ million users¹ budget, save, pay later, or get a cash advance.

Cleo turns money stress into a simple chat. Ask questions and learn about your finances.

Downloading the Cleo AI APK file lets you install the app directly, update it on your own schedule and keep a backup of the version that works best on your phone.

Key Features of Cleo AI APK

• GET UP TO A $500² CASH ADVANCE
• Dump your overpriced overdraft.
• Get a repayment plan synced to payday.
• Reach your goals through saving and investing.
• Start saving with just $1, earn up to 2.95% APY,⁴ and move money when needed.
• And get matched with a fully-automated, managed investment portfolio provided by Atomic Invest.⁵

Cleo AI App Information

How to Download and Install Cleo AI APK

1. Scroll to the download button on this page and tap it to save the Cleo AI APK file.
2. Open Settings on your phone and allow installs from your browser or file manager when asked.
3. Open the downloaded file and tap Install.
4. Wait a few seconds, then tap Open to start Cleo AI.
5. Switch the unknown-sources permission back off to keep your phone protected.

What’s New in Cleo AI 3.86.0

Bug fixes & minor improvements. Watch this space. The listing was last updated on October 28, 2026.

Tips for the Best Experience with Cleo AI

• Keep at least 500 MB of free storage so Cleo AI can install and update smoothly.
• Use a stable Wi-Fi connection when you download the file or open the app for the first time.
• Grant only the permissions that Cleo AI really needs and review them from time to time.
• Restart your phone after a big update if the app feels slow or freezes.

Device compatibility

Cleo AI works on phones and tablets running Android 10 or higher. Older devices may run it a little slower, so close background apps if you notice lag.

Is Cleo AI APK Safe to Use?

Cleo AI is the same app that is published on the official Google Play listing. Always download from a source you trust, keep your phone updated and scan files with a security app if you are unsure.

Looking for something similar? Browse our Finance apps or discover more free Android apps.

Cleo AI FAQ: Common Questions Answered

Is Cleo AI APK free to download?

Yes. Cleo AI is free to download and use. Some features may offer optional in-app purchases.

What is the latest version of Cleo AI?

The latest version listed here is 3.86.0. It was last updated on October 28, 2026.

Which Android version does Cleo AI need?

Cleo AI needs Android 10 or newer to run properly.

How do I update Cleo AI?

Come back to this page for the newest file, download it and install it over the old version. Your data stays in place.

Final Thoughts on Cleo AI

If you want a reliable finance app, Cleo AI APK is worth installing. Use the button above to get version 3.86.0 and enjoy everything Cleo AI has to offer.

 

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