Secure Application · $200 – $5,000
Get $200 – $5,000 — It's Free to Check
Cleo's AI reads your income — not your credit report. Complete the secure form and see your personalized amount in about 2 minutes, with zero impact on your score.
- 0% interest, always. You repay exactly what you borrow — the only optional cost is same-day express delivery ($3.99–$14.99).
- No hard credit check. Approval runs on AI analysis of your income and banking activity; your FICO score is never pulled.
- Fast funding. Standard transfers arrive in 3–4 business days free — express lands the same day.
- Repay on payday, grow your limit. Repayment schedules automatically, and on-time history unlocks higher amounts.
Apply → See what you qualify for → Get funded
🔒 256-bit encrypted · No hard credit pull · We never sell your data — see requirements
✓ Secure Application · No Hard Credit Check
🔒 256-bit SSL✓ Soft check only✓ No obligation
👤18+ & U.S. resident
🏦Active checking account
💵Steady income deposits
📱Phone & email
Approval is not guaranteed and depends on income and banking history; most new members start between $20 and $100, with limits that grow through on-time repayment. Instant transfers depend on bank eligibility. Learn more in our requirements guide and FAQ.