Cleo’s the AI money pro that’s changing the world's relationship with money. She provides radically personalized advice and products like budgeting and savings hacks which help you in ways your bank never could. From your first paycheck to your first mortgage, Cleo grows with you to become the only relationship you need between you and your money.
Cleo Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 03/01/2026.
3.8
94 reviews
from WalletHub and across the web
94 reviews from WalletHub and across the web
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Cleo
Alika K Pacheco @alikapacheco
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5 Star Rating
I've had nothing but a great experience with Cleo's Credit Builder. From the start, everything has felt clear, supportive, and stress-free—which is rare when it comes to anything involving credit. The app is easy to use, payments are automatic, and I never have to worry about missing anything or hurting my score.
What I really appreciate is the peace of mind it gives me. It's reassuring to know I'm actively building my credit in a safe, controlled way without the risk of debt or surprise charges. Cleo also does a great job explaining what's happening, so I always feel informed and in control.
If you're trying to rebuild or strengthen your credit without the pressure of a traditional credit card, I highly recommend Cleo's Credit Builder. It's simple, reliable, and genuinely works.
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Product: Cleo Investments
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Cleo
harold beemer @beemerharold7
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5 Star Rating
Verified Customer
I like Cleo. The 60-day delay was caused by a link failure with my bank, which was my oversight. They are great finance coaches.
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Product: Cleo Credit Cards
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Cleo
Stacy Kennedy @stacybit73
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1 Star Rating
If I could leave negative stars, I would, just like how you left my bank account after lying to me and financially ruining me. I did everything these people told me to do to close and take care of my account, and they charged me anyway. They are cheats and liars. If you don't want financial ruin, don't do business with them.
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Product: Cleo Investments
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Cleo
kai Lee @Kaylong1986
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1 Star Rating
If I could rate this app below a one-star, I would. This app will never refund your subscription, and they will never remove your banking information from their site. This app will also continue to try and charge you a subscription fee after you cancel with them. WARNING! DO NOT download this app if you don't want your personal banking information compromised.
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Product: Cleo Investments
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Cleo
Kelvin L Mr @jones_kelvin1215
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5 Star Rating
Verified Customer
It serves its purpose when trying to build credit. Reports to the credit bureau have been very positive. Plus, you can add cash advances to the credit card.
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Product: Cleo Credit Cards
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Cleo
Joel @bulldawg26_jw
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5 Star Rating
Verified Customer
Pick cleo when you need somebody to roast you and tell you the damn truth ...Wont let me spend over my budget and its my damn money. Realest one out... Thank ya Love ya God Bless?
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Product: Cleo Credit Cards
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Cleo
cody b @cody_boruff
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2 Star Rating
Verified Customer
This is more of a money scam than anything. It’s costly. It’s ok for starters. Be aware. They will close Your account and try to make you open a complete new one even if you switch cards for payment.
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Product: Cleo Credit Cards
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Cleo
Karin McLaughlin @rkarin518
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1 Star Rating
Verified Customer
they don't improve on your credit if anything they offer to give you money but don't give you any at I work all of my paycheck were always over 2500 every weeks and they couldn't verify it.
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Product: Cleo Credit Cards
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Cleo
Caleb @calebgaddis99
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5 Star Rating
Verified Customer
Why this account was even opened I have no idea. It was open for maybe 1 month it was useless and not to mention that they stole some of my money
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Product: Cleo Credit Cards
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Cleo
Brandon @bruck2828
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2 Star Rating
Verified Customer
These things are good if you are good with your money but if not can get your credit poopy quick. High interest rate but it does let you have it even with bad credit
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Product: Cleo Credit Cards
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Cleo
nicole @saathoffnicole88
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5 Star Rating
Verified Customer
Great company and I would use this card again the only thing I did not like is it does really tell you much about the credit card it’s self or the things
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Product: Cleo Credit Cards
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Cleo
Lashayah @theafricandoll
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5 Star Rating
Verified Customer
Cleo has helped me a lot my dream score is still currently in the making of being built up to a good credit score . I'm looking forward to loan and purchase things without being denied in the future!
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Product: Cleo Credit Cards
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Cleo
Sherrie @SherrieH699
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5 Star Rating
Verified Customer
Pretty helpful she explains Alot in chat and blogs and daily insights. Helps understand how to build your credit and helps manage budget
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Product: Cleo Credit Cards
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Cleo
Chad N Frierson @theSpitFucks
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4 Star Rating
Verified Customer
I have not experienced any issues with Cleo Credit Card since opening my account. In fact, my credit just shot up about 16 points just for not making late payments for the past 6 months. And that was easy since I've used exactly $0 on my Clep account for the past 6 months
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Product: Cleo Credit Cards
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Cleo
Anonymous @Anonymous
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5 Star Rating
Verified Customer
Cleo Credit builder really helps you rebuild your credit it's a good card to help with your credit back on track being secured card you don't have to worry about going over your limit
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Product: Cleo Credit Cards
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