The ABSOLUTE WORST! Cleo charges a $5.99 monthly fee & would only advance $30, so really it was like getting a $24 advance because they take the membership fee right away. I repaid today, on time (1st thing in the morning) PLUS I was charged another $3.99 that I never authorized. They decreased my advance amount from $30 to $25. I paid it back on time so I don't know why they would decrease it especially considering they're charging me $5.99 a month. So now it's like $21 advance. Not worth it!