Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Cleo AI vs Klover

Cleo AI 4.7★ · Free to download 65
Winner Klover
Klover 4.8★ · Free to download 70

Klover has a slight edge over Cleo AI due to fewer critical issues with app functionality and a more straightforward cash advance process, despite both apps facing criticism regarding advance amounts and customer support.

Full reviews: Cleo AI · Klover

Cleo AI and Klover both offer cash advances and budgeting tools, but users report significant issues with Cleo AI's signup process and inconsistent advance amounts. Klover, while also having issues with advance amounts and customer support, generally offers a more functional experience, though its point system for advances is a point of contention.

Head to head

App Functionality & Reliability edge: KloverR4R7R13R16
Cleo AI Many Cleo AI users report severe issues with the app's signup process, specifically the Plaid bank connection screen not loading or looping, making it impossible to use the app R4R7R13R16. Some also experience general performance issues and crashes, especially with budgeting features .
Klover Klover users also report technical issues, such as being unable to log in, reset passwords, or consistently link their debit cards and banks . However, these issues appear less widespread and critical than Cleo AI's initial setup problems.
Cash Advance Features & Amounts tieR3R6R9R10
Cleo AI Cleo AI users frequently complain about inconsistent and often decreasing cash advance amounts, even with good repayment history R10. There are also complaints about fees for advances and the inability to receive the full advertised amount at once R3R6R9.
Klover Klover users express frustration with the point-based system required to unlock cash advances, finding it gimmicky and often yielding very small amounts like $5 for significant effort R61R63R79. Some also report false advertising regarding maximum advance amounts R73.
Customer Support tieR1R15R30R37
Cleo AI Cleo AI users report poor customer support, with difficulties reaching live agents, receiving canned responses, and a general lack of helpfulness R1R15R30R37.
Klover Klover users also cite difficulties with customer service, including unhelpful automated processes, slow response times, and tickets being closed without resolution R73.
Budgeting & Financial Tools edge: Cleo AIR5R8R32R36
Cleo AI Cleo AI offers budgeting and expense tracking features, which some users appreciate for clarity and assistance R5R8R32. However, others find the budgeting system clunky, difficult to categorize, and prone to crashing R36.
Klover Klover's primary focus appears to be cash advances, with less emphasis on comprehensive budgeting tools mentioned in reviews. The main financial 'tool' discussed is the point system for advances, which is largely criticized R61.
Pick Cleo AI if

You are looking for an app with budgeting and expense tracking features, and you are willing to navigate potential technical glitches and inconsistent cash advance offers R5.

Pick Klover if

You need quick cash advances and prefer a more straightforward process, even if it involves earning points or dealing with variable advance amounts .

Evidence note: Many recent negative reviews for Cleo AI focus on critical signup bugs, which significantly impact its overall score. Klover's negative reviews are more spread across issues like the point system and customer support, but fewer mention complete app non-functionality at signup.

Frequently asked

What are the main issues with Cleo AI?
The main issues with Cleo AI include a broken signup process where users cannot connect their bank accounts R4R7R13, inconsistent and often reduced cash advance amounts R10, and difficulties reaching helpful customer support R1R15R37.
How does Klover's cash advance system work?
Klover's cash advance system often requires users to earn points by watching ads, playing games, or completing offers from third parties to unlock advances, with 1400 points sometimes equating to a $5 advance R61R63R79. Users also report that advertised advance amounts, such as up to $750, are often misleading, with actual offers being much lower R73.
Are there fees for advances on Cleo AI?
Yes, Cleo AI charges fees for advances, with some users reporting a $10.99 fee for each withdrawal and a $14.99 fee for expedited advances, with no standard option for slower, free receipt R6R9R27.

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. [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
  2. [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!
  3. [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.
  4. [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
  5. [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.
  6. [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.
  7. [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.
  8. [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
  9. [R1] Cleo AI 1/5 · US No support: No support
  10. [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
  11. [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.
  12. [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
  13. [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❣️
  14. [R8] Cleo AI 5/5 · US Cleo review: I love this app and so user friendly thank you
  15. [R32] Cleo AI 5/5 · US Help when needed: This is a great choice to manage budget and resources.
  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. [R61] Klover 1/5 · US Do not download: So many points but won’t let me cash out, waste of time!
  18. [R63] Klover 3/5 · US App is actually firme: App lwk is a rare W , yea you might needa watch ads to rack up points , or play games for the points to cash out on but it’s definitely worth it no cap cuh
  19. [R73] Klover 1/5 · US Buns: This app is buns false advertisement says up to $750 before payday but their max is $250. You have a better chance reaching the president than customer support. Go get Dave or EarnIn
  20. [R79] Klover 1/5 · US Don’t understand why I have to watch videos just to get a five dollar cash advance: Don’t understand why you have to watch the video just to get a five dollar cash advance when I get a nice amount of income
  21. [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.

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