# Cleo: how AI models rank it, November 2026

Gane Index, November 2026 Edition. Named in 3 judge labels across 2 categories by 3 of 14 models. Page: https://www.gane.ai/index/hr/vendors/cleo

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| [Financial wellness platforms](https://www.gane.ai/index/hr/rewards/financial-wellness-platforms/index.md) | 0% | 117 | 100% | 2 |
| [Earned wage access](https://www.gane.ai/index/hr/rewards/earned-wage-access/index.md) | 0% | 62 | 100% | 1 |

## And against it

- "The FTC said the app overstated how much and how quickly customers could receive, and made cancellation difficult. Cleo agreed to a $17 million settlement" (GPT-6 Luna, Financial wellness)
- "FTC is returning $15.8+ million to consumers harmed by Cleo AI's deceptive claims" (DeepSeek V4 Flash, Financial wellness)
- "Multiple EWA apps have been named in court cases where 16 out of 16 courts ruled they ARE credit products" (Kimi K2, Earned wage access)

## By model

| Model | First choice | Alternative | Mention | Warning | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 0 | 0 | 0 | 0 | 0 |
| GPT-5.4 mini | 0 | 0 | 0 | 0 | 0 |
| Gemini 3.5 Flash | 0 | 0 | 0 | 0 | 0 |
| Perplexity Sonar | 0 | 0 | 0 | 0 | 0 |
| Grok 4.20 | 0 | 0 | 0 | 0 | 0 |
| Mistral Small | 0 | 0 | 0 | 0 | 0 |
| DeepSeek V4 Flash | 0 | 0 | 0 | 1 | 1 |
| Llama 4 Maverick | 0 | 0 | 0 | 0 | 0 |
| Qwen 3.7 Flash | 0 | 0 | 0 | 0 | 0 |
| Kimi K2 | 0 | 0 | 0 | 1 | 1 |
| GLM 4.7 FlashX | 0 | 0 | 0 | 0 | 0 |
| MiniMax M2.5 | 0 | 0 | 0 | 0 | 0 |
| GPT-6 Luna | 0 | 0 | 0 | 1 | 1 |
| Muse Glimmer 30B | 0 | 0 | 0 | 0 | 0 |

## Sources returned with these answers

The sites and pages cited by the answers that named Cleo, from 4 of the 4 answers that named it (only the models that return a source list).

### Domains cited

- apps.apple.com: 2
- congress.gov: 2
- consumer.sc.gov: 2
- consumerfinance.gov: 2
- ftc.gov: 2
- kansascityfed.org: 2
- reddit.com: 2
- search.ftc.gov: 2
- aatrix.com: 1
- aeaweb.org: 1

### Pages cited

- http://congress.gov/crs-product/IF12727: 1
- https://aatrix.com/2024/03/the-state-of-earned-wage-access-in-2024: 1
- https://aeaweb.org/conference/2026/program/paper/d3E2EQTt: 1
- https://apps.apple.com/gb/app/money-advisory-centre/id6450699363: 1
- https://apps.apple.com/ke/app/power-financial-wellness/id6471488866: 1
- https://apps.apple.com/us/app/floatme-fast-cash-advance-app/id1395667279: 1
- https://apps.apple.com/us/app/monarch-budget-track-money/id1459319842: 1
- https://bbb.org/scamtracker/lookupscam/1368733: 1

## Record

- Method: https://www.gane.ai/index/hr/methodology
- License: CC BY 4.0. Cite as Gane Index, November 2026 Edition, www.gane.ai/index/hr.