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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Cleo AI vs Tilt

Cleo AI 4.7★ · Free to download 60
Winner Tilt
Tilt 4.8★ · Free to download 80

Tilt is the better choice for cash advances due to its more consistent service, reliable signup process, and generally positive user experiences regarding quick access to funds, despite some subscription billing concerns.

Full reviews: Cleo AI · Tilt

Cleo AI and Tilt both offer cash advances and budgeting tools, but Cleo AI struggles with significant signup issues and inconsistent advance amounts. Tilt provides a more reliable service for quick cash, though some users report unexpected subscription charges.

Head to head

Cash Advance Reliability and Consistency edge: TiltR3R6R9R10
Cleo AI Cleo AI users frequently report inconsistent cash advance amounts, with some seeing their eligible advance drop drastically even after timely repayments R10R18R25. Many also find the process a hassle, noting fees on top of fees for withdrawals and limitations on taking the full available amount at once R3R6R9.
Tilt Tilt users generally praise the app for providing quick and dependable cash advances, often stating the money is available ASAP or instantly . While some mention small initial amounts that increase over time R100 or a desire for larger loans , the service is widely seen as reliable when needed .
Signup and Technical Reliability edge: TiltR4R7R13R16
Cleo AI A major issue for Cleo AI is its broken signup process, with numerous users unable to connect their bank accounts due to the Plaid screen not appearing or the app getting stuck in a loading loop R4R7R13R16. This prevents many from even using the app.
Tilt Tilt is generally described as easy to sign up for and straightforward to use . There are no widespread complaints about technical issues preventing users from connecting their bank accounts or completing the signup process.
Fees and Subscription Transparency tieR6R9R27R28
Cleo AI Cleo AI users complain about fees on top of fees for withdrawals R6R9 and express frustration that expedited advances are often the only option, costing $14.99 R27. Some also feel tricked into expensive subscriptions R28.
Tilt Tilt users appreciate the low fees for cash advances R62. However, a significant number of users report being charged for subscriptions without their knowledge or clear consent, sometimes after canceling a trial or before realizing the service wasn't available in their area .
Customer Support tieR1R15R30R37
Cleo AI Cleo AI receives strong criticism for its customer support, with users reporting no support, difficulty reaching live agents, and receiving canned responses from bots R1R15R30R37. Some claim support is clueless and doesn't understand the app's features R37.
Tilt Tilt has mixed reviews for customer service. While some users report positive experiences , others describe customer service as worthless or unhelpful, particularly when disputing unexpected charges .
Budgeting and Financial Tools edge: TiltR5R36R37R38
Cleo AI Cleo AI offers budgeting and expense tracking, with some users appreciating its candid approach and clear display R5R38. However, many find the budgeting system clunky, difficult to categorize payments, and prone to crashing R36. Some features like debt tracking and credit monitoring are reported as non-functional R37.
Tilt Tilt is primarily highlighted for its cash advance feature, but some users also mention it helps with curbing spending and building credit R75R87. It also shows spending trends and where money goes, which is seen as useful .
Pick Cleo AI if

You are looking for a budgeting app with AI assistance and are willing to navigate potential technical glitches and inconsistent cash advance offers, and if you value the potential for extended payback times R5.

Pick Tilt if

You need quick, reliable cash advances and prioritize ease of use and fast transactions, and are comfortable with a subscription model, while being mindful of potential issues with unexpected charges R62.

Evidence note: Both apps are free to download, but their core services (cash advances, enhanced budgeting) are often tied to paid subscriptions. Many negative reviews for both apps relate to friction with these paid tiers, such as unexpected charges or limitations on free features. Tilt's lifetime rating is higher, and its recent negative reviews focus more on billing issues rather than core functionality, unlike Cleo AI's widespread signup problems.

Frequently asked

How do Cleo AI and Tilt compare on cash advance amounts?
Cleo AI users report highly inconsistent advance amounts, often seeing reductions even after timely repayments, with initial offers as low as $50 and subsequent drops to $20 or $30 R10R18R25. Tilt users mention initial small amounts that increase over time, with some receiving advances as high as $400 R100.
Are there fees for cash advances with Cleo AI or Tilt?
Cleo AI charges fees on top of fees for withdrawals, including a $10.99 fee for each withdrawal and a $14.99 fee for expedited advances, which some users feel is the only practical option R6R9R27. Tilt is generally praised for its very low fees for cash advances R62.
Do Cleo AI and Tilt help with credit building?
Cleo AI users report that the app didn't help much with credit R19, and some features marketed for credit building, like on-time credit reporting, were non-functional R37. Tilt, however, is praised by users for helping with credit building and is considered by some to be the best credit builder app they've used R75R87.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R3] Cleo AI 3/5 · US It’s okay: I’m not going to lie at times I do need extra but I don’t like the way Cleo does theirs. Even when giving an increase it’s something. After I payback I may not use it anymore it’s really too much of a hassle how they do their advance.
  2. [R6] Cleo AI 3/5 · US Fees on top of fees!: Fees on top of fees! Will only allow you to take a portion of your available advance amount. You get charged a $10.99 fee for each withdrawal. Once you make your first withdrawal you have to wait 24 hours on the dot to request the next one. Not convenient at all.
  3. [R9] Cleo AI 3/5 · US Fees: I wish the fees were bundled into one instead of always having to pay for each advance. Or give us a the advance all at once.
  4. [R10] Cleo AI 1/5 · US Matthew: They suck I paid my 80 advance and 80 boost back totaling 179 on time and then they cut my advance down to 20 with no boost with explanation and without anything changing feels like robbery
  5. [R4] Cleo AI 1/5 · US Pure trash: Couldn’t finishing signing up. Plaid screen wouldn’t pop up to let me connect my bank account. I got stuck on the connect your bank screen, which is frozen. App is useless I see why this app has a 4.7 rating. It’s trash
  6. [R7] Cleo AI 1/5 · US Useless: The Plaid window at signup never opens, so there’s no way for me to link my bank or finish signing up. What makes it even more frustrating is that a couple of hours later I received an email reminding me to finish linking my bank and complete my signup, as if the app actually works, lol. This app sucks. Save yourself the trouble!
  7. [R13] Cleo AI 1/5 · US Doesn’t work!: The signup process is broken. Tapping “Get started” just buffers “Loading…” and then returns to the same screen. The Plaid window never opens, which makes it seem like the app isn’t generating the required session/token to launch the bank connection screen. This looks like a server-side bug, not a user issue. I couldn’t even finish creating an account. FIX IT! Stole my information.
  8. [R16] Cleo AI 1/5 · US Non functional: It’s like they’re selectively choosing who they want to accept as a user. The startup process is bugged. As soon as I got done accepting the terms and conditions and then tried linking my bank account, the get started screen just looped. The plaid banking connection screen didn’t pop up at all. Useless and should be removed from App Store. #don’t-download
  9. [R27] Cleo AI 3/5 · US Fix Advance Options: It is not ok that the only option to receive an advance is by paying $14.99 to have it expedited. This did not use to be the case. The service great to use when needed, but bring back the standard option to receive the advance in 3-4 days instead of immediately.
  10. [R28] Cleo AI 1/5 · US Don’t use this app: They will trick you into more and more expensive subscriptions offering higher advances and only scam you out of money.
  11. [R1] Cleo AI 1/5 · US No support: No support
  12. [R15] Cleo AI 3/5 · US Compassion: I ran into a situation where I wasn’t able repay on my date which was already extended. I wasn’t able to pay do too a death in the family. I was immediately denied the extension. I have an excellent repay history and was shocked to the negative response I received. Also I requested a live agent and the system wouldn’t allow me to access the live agent. Talking to a computer that gives
  13. [R30] Cleo AI 3/5 · US AI BOT NOT AGENTS: The oil me hours and so many chats with the stupid bot before I could actually talk to a live person and get the help I needed. Cleo needs to revamp the bot cause it almost made me close my account out. Ian the agent was amazing. He is the only reason yall are getting more than 1 star from me.
  14. [R37] Cleo AI 1/5 · US Horrible Customer Service: It took 7 months to actually get a non-canned response. Their team doesn’t know it’s own app they’re supporting… I was legit redirected to their AI which was saying I had to go to them. Goofy. Their team doesn’t care about fixing their own problems. The features the market for their builder plan, like the debt tracking, the credit monitoring, the on-time credit reporti
  15. [R5] Cleo AI 5/5 · US Professional, Friendly, & REAL: I appreciate the candid approach to assist the budgeting & expenses in my life! It is displayed so clearly- it’s the BEST plan I’ve ever subscribed to for planning my life and finances! - Thanks Cleo❣️
  16. [R36] Cleo AI 3/5 · GB Good premise but it tags the spends incorrectly: I think the idea of this app is great so you can get an idea of where your spend goes but I keep on having to recategorise payments. Even bills that come out monthly that I mark as bills and set as a recurring payment get given random categories. It’s a little frustrating. If you don’t mind going through each transaction (it’s a faff) then the app i
  17. [R38] Cleo AI 5/5 · US Great App!: Great app to have. Helps from budgeting to unknown subscriptions you forgot about that you’re still paying on.
  18. [R18] Cleo AI 3/5 · US Inconsistent: I wanted to like Cleo, but the cash advance feature is extremely inconsistent. One advance might be $250, then after repaying it on time and in full, the next available advance suddenly drops to $25 with no explanation. It makes it difficult to rely on the app when the advance amount changes so drastically despite having a good repayment history. If advance limits are based on certa
  19. [R25] Cleo AI 1/5 · US DO NOT GET!! USE DAVE APP!!: It advertises up to 250$ in advance. when i first downloaded it I only got 50. It went up the second time to 100 and WENT DOWN DRASTICALLY to 30 and now i can only get 20 dollars in advance. I pay every single payment early or on time and I only ever need my date to be pushed back once. AFTER I PUSHED THE PAYBACK DATE IT ONLY GIVES YOU AN ADVANCE FOR 30. I will be clo
  20. [R100] Tilt 5/5 · US Right on time: The amounts were small at first but eventually they increased. It’s helpful for gas in a emergency
  21. [R62] Tilt 5/5 · US Great App: Money when you need it for a very low fee
  22. [R19] Cleo AI 1/5 · US Was good at first: Didn’t help much with anything towards credit
  23. [R75] Tilt 5/5 · US Campbell: Having TILT has really helped me in curbing my spending and now building my credit.
  24. [R87] Tilt 5/5 · US Best credit builder: I’ve used several credit builder apps and this is easily the best. Everything is explained well up front.

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store