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

Cleo AI vs Brigit

Cleo AI 4.7★ · Free to download 65
Winner Brigit
Brigit 4.8★ · Free to download 75

Brigit is generally a better choice for cash advances due to its higher user satisfaction with advance amounts and fewer reported issues with core functionality, despite both apps having subscription fees and some customer service complaints.

Full reviews: Cleo AI · Brigit

Both Cleo AI and Brigit offer cash advances and budgeting tools, but Brigit generally has higher user satisfaction regarding advance amounts and reliability, while Cleo AI struggles with significant signup and bank linking issues. Both apps face criticism for subscription fees and customer service.

Head to head

Cash Advance Features & Reliability edge: BrigitR6R9R10R12
Cleo AI Cleo AI users frequently report inconsistency in advance amounts, with many experiencing drastic reductions even after timely repayments R10R18R25. Users also complain about fees for each withdrawal and the inability to receive the full advance amount at once R6R9R12. Some users appreciate the quick loan processing and low interest .
Brigit Brigit users often praise the app for being fast, easy, and convenient for cash advances . Many find it a life-saver and reliable when needed . However, some users are disappointed with low advance amounts, with many not getting more than $50-$85 despite consistent use R66R67.
Ease of Use & Technical Reliability edge: BrigitR4R7R13R16
Cleo AI A significant number of Cleo AI users report critical issues during signup, particularly with the Plaid bank connection screen not appearing or getting stuck in a loop, rendering the app unusable R4R7R13R16. Some also note general performance lags and app crashes when editing budgets .
Brigit Brigit users generally find the app easy and simple to use . However, some report issues with bank disconnections, getting stuck in verification loops, or inability to log in after adding bank details . There are also complaints about slow update times and payment processing .
Budgeting & Financial Tools edge: Cleo AIR5R32R36R38
Cleo AI Cleo AI is praised for its candid approach to budgeting and clear display of expenses R5. Users find it helpful for managing budgets and identifying unknown subscriptions R32R38. However, some users find the budgeting system clunky, difficult to add categories, and inconsistent in tagging spends, with recent changes making it less useful R36.
Brigit Brigit's reviews focus less on budgeting tools and more on cash advances. There are no specific positive or negative comments about its budgeting features in the provided reviews.
Customer Support & Transparency tieR1R15R18R30
Cleo AI Cleo AI users frequently report poor or non-existent customer support, with difficulties reaching live agents and receiving only programmed answers from bots R1R15R30. There are also complaints about being redirected to AI when needing human help and a lack of transparency regarding advance limit changes R18.
Brigit Brigit users report difficulties contacting real people for support R64. Customer service is described as unhelpful, slow to respond, and only communicating via email . There are also accusations of hidden charges, unauthorized subscriptions, and refusal to refund R64R70.
Pricing & Value tieR6R9R27R28
Cleo AI Cleo AI users complain about fees on top of fees, including a $10.99 fee for each withdrawal and a $14.99 fee for expedited advances, with no standard option for slower, free advances R6R9R27. Some feel tricked into expensive subscriptions for higher advances that don't materialize R28.
Brigit Brigit charges an $8.99 monthly subscription fee R63. Users question the value of this fee, especially when only approved for small advance amounts R66. There are numerous complaints about being charged for memberships without permission, after cancellation, or even without receiving a loan R64R70R72.
Pick Cleo AI if

You prioritize robust budgeting and expense tracking features, and are willing to navigate potential technical glitches during setup or inconsistent advance amounts R5R38.

Pick Brigit if

You need quick, reliable cash advances and are less concerned about budgeting tools, provided you are approved for a satisfactory amount .

Evidence note: Brigit has a significantly higher number of ratings and a slightly higher lifetime rating, which aligns with its edge in cash advance reliability. Cleo AI's recent reviews show a strong negative skew due to critical signup bugs, which impacts its overall score. Both apps have substantial complaints regarding fees and customer service, making those dimensions a tie.

Frequently asked

What are the main issues with Cleo AI?
Cleo AI's main issues include critical bugs during the signup process, specifically with the Plaid bank connection not loading, making it impossible for many users to create an account R4R7R13R16. Users also frequently report inconsistent cash advance amounts, often decreasing after repayment, and complain about multiple fees for advances R10R18R25R6.
Does Brigit have hidden fees?
Brigit users frequently report hidden charges and unauthorized subscription fees, with some being charged $8.99 monthly or random amounts like $39 without clear explanation or after canceling the service R63R64R70R72.
Which app offers higher cash advances?
While both apps advertise varying advance amounts, Brigit users frequently report being approved for smaller amounts, often not exceeding $50-$85, even with good repayment history R66R67. Cleo AI users also experience inconsistent and often reduced advance amounts, but some report initial advances up to $250 R18R25.

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. [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.
  2. [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.
  3. [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
  4. [R12] Cleo AI 3/5 · US Loving the Cleo app: I love Cleo and have only problem I have is that it tells you what you can request as an advance, but you can’t request a full amount at that one given time
  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. [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❣️
  10. [R32] Cleo AI 5/5 · US Help when needed: This is a great choice to manage budget and resources.
  11. [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
  12. [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.
  13. [R1] Cleo AI 1/5 · US No support: No support
  14. [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
  15. [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
  16. [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.
  17. [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.
  18. [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.
  19. [R63] Brigit 3/5 · US Review: I don’t understand the 8.99 monthly subscription.
  20. [R64] Brigit 1/5 · US Hidden charges: I thought this was a great app until I was randomly charged $39 for a Bright Membership. It doesn’t show any information on where the charge is from or what it’s for. They don’t have any real people to get in contact with immediately. Use at your own risk. I believe it’s false advertising and doesn’t fully support when you have an issue. I don’t like having money taken for no reaso
  21. [R70] Brigit 1/5 · US Don’t use this guys just took money from me without me ever having a membership with them: Scam
  22. [R72] Brigit 3/5 · US Subscription Trap: App is good if you’re in a pinch and need quick money. Subscription rolls and is locked in monthly so you pay an additional subscription fee after cancelling.
  23. [R25] Cleo AI 1/5 · US DO NOT GET!! USE DAVE APP!!: It advertises up to 250$ 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
  24. [R66] Brigit 3/5 · US It’s very meh: I had this app for over a year and never was approved for anything more than $85. I always paid on time. Basically worthless to pay so much money a month for that.
  25. [R67] Brigit 1/5 · US Dave offered me 300$: You guys offered me 50$ insane what’s 50$ gonna help? That’s not even a tank of gas

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