Wondering how apps like Cleo can reshape your approach to managing finances? You’re in the right place. I’ve spent considerable time navigating these apps and can confidently share insights that will clarify all your queries. This article is your ultimate guide to understanding everything about apps like Cleo.
19 Apps Like Cleo
1. Chime SpotMe
Chime SpotMe revolutionizes the way you handle overdrafts. If you’re a Chime member, forget about the steep fees usually associated with overdrafts. SpotMe lets you overdraw your checking account by up to $200, free of charge.
To access this feature, you need to have received at least $200 in direct deposits in the last 34 days and have your Chime debit card activated.
Once you meet these requirements, you can easily enroll in SpotMe through the Chime app. However, keep in mind that SpotMe is selective in its coverage; it won’t cover non-debit card transactions such as ACH transfers or Chime Checkbook transactions.
Albert stands out by blending automation with human expertise to manage your finances. This service goes beyond just handling your money; it actively protects you from overdrafts by offering up to $250 in protection without any minimums or overdraft fees.
But that’s just the start. Albert also encourages you to save money automatically, invest with as little as $1, and constantly monitors your finances around the clock.
For peace of mind, your cash and savings with Albert are secured under FDIC insurance, and your investments are protected by SIPC.
If you’re looking for a more tailored financial experience, Albert’s Genius subscription offers personalized advice to help you navigate your financial journey with confidence.
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Brigit is a comprehensive financial app designed to address a wide range of financial needs. It offers a lifeline when you’re in a pinch with cash advances ranging from $50 to $250, based on your eligibility and without the need for a credit check or the worry of late fees.
But Brigit is more than just cash advances. It’s a robust platform providing tools for effective budgeting, credit building, and even identity theft protection and credit reports.
With a user base exceeding 4 million and high ratings across app stores, Brigit has established itself as a reliable and user-friendly financial assistant.
MoneyLion is a multifaceted mobile banking platform that caters to a broad spectrum of financial needs. It’s not just about managing your money; MoneyLion offers a suite of services including cash advances, personal loans, and investment accounts.
But the benefits don’t stop there. It also provides valuable tools for tracking your finances, building your credit, and earning cashback rewards.
With features like early paycheck access and no-fee banking options, MoneyLion is designed to make your financial life not only easier but also more rewarding.
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5. Possible Finance
Possible Finance is an innovative lending platform that reimagines the traditional payday loan model. It offers short-term loans, allowing you to borrow funds that can be repaid in manageable installments.
This approach provides a more flexible alternative to the often rigid and expensive terms of standard payday loans.
The entire process, from application to loan management, is streamlined through the Possible Finance app. One of the standout features is its reporting of your repayments to credit bureaus, helping you build a positive credit history as you repay your loans on time.
B9 emerges as a forward-thinking financial service offering a practical solution to cash flow challenges. With B9, you can access your paycheck early, with advance amounts ranging from $30 to $500, ensuring you have the funds when you need them most.
The service is tied to having a B9 Account with a direct deposit setup, promoting a seamless financial experience.
What sets B9 apart is its commitment to affordability and convenience; it offers a $0 subscription fee for clients with qualifying direct deposits and removes the need for extra apps for fund transfers.
Moreover, its multilingual support underscores its dedication to inclusivity and user-friendly service. By providing early access to earned wages, B9 aims to empower you to manage your finances more effectively.
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Dave stands out as a banking app dedicated to creating a fair financial environment for its users. With its ExtraCash™ feature, you can access cash advances up to $500, effectively eliminating the risk of overdraft fees.
Dave goes beyond just providing cash advances; it offers a suite of financial tools designed to help you manage your finances more effectively. These include fee-free goal tracking and a platform for finding side hustles.
Dave’s core values are centered around being member-centric, helpful, transparent, and persistent. Its overarching mission is to advocate for the financial health of its members, especially those who are often overlooked by traditional banking institutions.
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Earnin redefines the way you access your earnings by allowing you to withdraw up to $100 per day from your pay before payday. This service is particularly beneficial for handling unexpected expenses or maintaining financial stability.
With Earnin, you can enjoy services like cash out and lightning speed transfers, all without the burden of mandatory fees or credit checks. Security is a top priority, and Earnin employs the latest technology to protect your data, backed by 24/7 support.
Proudly community-driven, Earnin has facilitated over $15 billion in accessed earnings for its users, cementing its position as a trusted ally in managing personal finances.
NerdWallet is a comprehensive personal finance app that offers a holistic view of your financial health. It allows you to track your net worth, cash flow, credit score and report, rewards cards, and even your home value.
One of the standout features is the credit report functionality that enables you to monitor your credit without impacting your score.
Beyond tracking, NerdWallet provides a wealth of resources including articles, money management advice, and calculators. To take full advantage of its capabilities, creating a free account is essential as it allows you to connect and monitor all your financial accounts.
NerdWallet excels in offering personalized financial insights and tips, making it easier for you to make informed decisions. Access to your full credit report is another benefit, ensuring you’re always informed about your financial standing.
Despite the comprehensive services, NerdWallet remains free for account holders, sustaining itself through partnerships with financial product providers. The community forum is a valuable resource for user questions, fostering a supportive environment.
With availability on both Android and iOS devices, NerdWallet ensures you have access to your financial information wherever you go.
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QuickBooks is the go-to business management app for small business owners. It’s designed to make the task of managing sales, expenses, invoices, and financial transactions straightforward.
The real-time dashboard gives you an instant overview of your business’s financial health. Compatibility with both Android (OS 4.1 and greater) and iOS (9.3 and greater) ensures you can manage your business on the go. QuickBooks isn’t just limited to mobile; it offers a Windows/Mac app for desktop access and syncs seamlessly with QuickBooks Online.
The app enhances your productivity and security through cloud-based services. Key mobile accounting features like receipt capture and expense tracking simplify financial management.
By connecting to your bank accounts, QuickBooks automates transaction import and review, saving you time and ensuring accuracy in your financial records.
Whether you’re sending invoices or reviewing business details, QuickBooks provides the tools you need to keep your business finances organized and accessible.
11. Empower Cash Advance
Empower Cash Advance simplifies the process of getting a cash advance, offering amounts ranging from $10 to $250. The service is designed with the user’s convenience in mind, requiring no interest, late fees, or credit checks to qualify for an advance.
The repayment process is effortless and automated, aligning with the user’s next paycheck, ensuring you don’t have to stress about manual repayments.
Beyond cash advances, Empower introduces Thrive, a feature aimed at helping users build a better credit history. The Empower Thrive line of credit is subject to credit approval and is reported to credit bureaus, assisting you in enhancing your credit score.
For immediate needs, there’s an option for instant delivery of cash advances, though it’s important to note that fees may apply for this convenience.
Empower operates with a transparent pricing model, charging an $8 monthly subscription fee after a 14-day free trial for first-time customers. It’s important to remember to cancel before the trial ends to avoid this fee. Although Empower is a financial technology company, its banking services are securely provided by nbkc bank, a member of FDIC.
12. Ingo Money
Ingo Money offers a versatile solution for managing checks, allowing users to cash various types of checks, including paychecks, business checks, and personal checks, conveniently from anywhere.
Once a check is approved, you can receive funds in minutes directly into your bank, prepaid card, or PayPal account. The service doesn’t just stop at cashing checks; it also provides options to pay credit card bills, purchase Amazon.com Gift Cards, or even split a check to fund multiple accounts.
With Ingo Money, the funds you receive are guaranteed and safe to use for purchases and payments, whether in-store, online, or through Android Pay.
To start using the service, you need to create a profile and link your bank debit card, prepaid card, PayPal account, and credit cards.
Cashing a check is as simple as taking a photo of the front and back and submitting it for review. The service is available to identity-verified customers looking to cash checks issued on U.S. financial accounts. However, it’s important to be aware of the terms and fees that apply to the service.
FloatMe is an intuitive app that aims to enhance your financial management by providing insightful tools. It calculates your likely available balance, taking into account your recurring expenses and projected paydays.
This feature helps you anticipate and plan your finances more effectively. In addition to balance predictions, FloatMe offers spend analysis tools, allowing you to dissect and understand your spending habits better. If you find yourself in need of funds, FloatMe offers a convenient solution with its Float feature.
You can request a Float at no cost and expect it in your bank account within 3 days or less. For more urgent needs, Instant Floats are available within minutes, although this service comes with a small fee, which varies based on the amount requested.
Security is paramount, and FloatMe ensures your data is protected by using Plaid to securely connect your bank account with 256-bit bank-level security.
14. Even (ONE@Work)
Even (ONE@Work), previously known as Even, is a comprehensive financial tool that partners with employers, including giants like Walmart, to offer vital financial services to employees.
The app’s features are geared towards enhancing financial wellness, with Instapay allowing early access to earned wages, thus providing flexibility in financial planning.
The app doesn’t just facilitate pay management; it also offers tools to help users budget and save automatically, ensuring a well-rounded approach to managing finances.
For those seeking more advanced features, the Even Plus subscription opens doors to additional tools for savings and budgeting.
Designed with the modern user in mind, Even (ONE@Work) caters to those who value flexibility and control over their financial lives, offering a platform where managing finances and receiving pay can be done according to a flexible schedule.
PayActiv is a pioneering service that grants on-demand access to earned wages, requiring employer participation for implementation.
It addresses immediate financial needs by allowing users to pick up cash at Walmart, pay bills directly, and even book rides, all without resorting to loans or accruing interest.
Additionally, PayActiv offers a PayActiv Visa Prepaid Card, enhancing the flexibility and convenience of managing financial transactions.
But it’s not just about immediate access to funds; PayActiv also focuses on long-term financial wellness. It comes equipped with a range of tools and resources, including budgeting advice and spending tracking, to guide users towards more informed financial decisions.
PayActiv is an ideal choice for those who need quick access to their earned wages and value a comprehensive suite of financial services to manage their economic life effectively.
DailyPay stands out as an on-demand pay platform that delivers early access to earned wages, offering a modern solution to financial flexibility. It seamlessly integrates with various HR/HCM/payroll systems, making it a convenient option for both employers and employees.
The app is designed to empower users with financial control, providing tools for effective financial planning and a clear view of their earnings.
One of the key benefits of DailyPay is that it doesn’t require users to have a pre-existing checking or savings account, removing a common barrier to financial services.
It caters specifically to those seeking greater financial visibility and flexibility, allowing them to access their earnings on their terms and plan their financial life with more clarity and confidence.
17. You Need A Budget (YNAB)
You Need A Budget (YNAB) is a comprehensive budgeting app that takes financial management to a new level.
It securely integrates with your bank accounts, importing transactions automatically, ensuring that your financial data is up-to-date across all platforms. YNAB is accessible on a variety of devices, including your computer, phone, or tablet, with automatic updates across all your devices for real-time financial tracking.
It’s not just an individual tool; YNAB allows you to share your subscription with up to six people, making it perfect for partners, families, or any group managing finances together.
The core of YNAB is its zero-based budgeting system, which encourages you to give every dollar a purpose, ensuring that each cent you earn is allocated efficiently.
It also provides detailed reports on spending, net worth, and income, helping you visualize and understand your financial situation better.
Additionally, YNAB includes a loan calculator, a valuable tool for planning and managing debt payments effectively. With its availability on various platforms, including iPhone, iPad, Apple Watch, Android, and Alexa, YNAB offers a flexible and comprehensive solution for managing personal finances.
MoneyWallet is an innovative multicurrency prepaid travel money card, tailored for both local and international spending management.
The app provides a real-time view of your balances, and its instant currency transfer feature allows you to adapt swiftly to different financial environments.
Monitoring your transactions and managing personal and card details is straightforward, offering you full control over your spending.
Security is a paramount feature of MoneyWallet; it’s a safer option than carrying cash and is widely accepted wherever Mastercard is accepted, providing peace of mind during your travels.
The support doesn’t stop there; MoneyWallet offers 24/7 phone support, ensuring that help is just a call away whenever you need it, regardless of your location or time zone.
This makes MoneyWallet an ideal financial companion for travelers who prioritize security, convenience, and comprehensive support.
Buxfer is a sophisticated personal finance assistant that ensures you stay on top of your financial activities across a vast network of over 20,000 financial institutions. It provides real-time updates for every transaction, giving you an immediate insight into your financial status.
Buxfer’s customization is one of its standout features, allowing you to create custom rules to categorize or modify transactions based on specific criteria like merchant, location, or other metadata.
The app keeps you informed and prepared by providing automated alerts for crucial financial events such as low account balances, unexpected fees, or potential fraudulent activity.
Investment tracking is another powerful feature of Buxfer; it enables you to monitor your investment holdings, performance, and allocation across all your investment accounts in real-time.
The forecasting feature is an invaluable tool for future financial planning, helping you to anticipate and prepare for upcoming expenses and financial changes.