HR AI Index

Index › Vendors › Cleo · September 2026 Edition

1 category · Named, not ranked

Cleo

7Judge labels

0First choices

4Negative labels

5 of 12Models named it

1Category

September 2026 Edition. Every number here is derived from the raw labels under vendor table vv2026-09.1, every buyer segment counted.

Standing

4 labels, too few to rank

A product needs 10 labels in a category before a share or quadrant is stated. Cleo was named 4 times in Earned wage access, where Tapcheck led with 29%. The labels and the evidence are below, counted exactly.

By buyer segmentRead the same way at every buyer size.

Small business23 of 28

under the label threshold

Mid-market43 of 61

under the label threshold

Enterprise33 of 37

under the label threshold

In earned wage access · each standing computed within its segment · bars are 0 to 100 · the accent bar is the product's own best reading

Standing by category

Every category where a model named Cleo for a mid-market B2B company. Share is first choices across the direct, paraphrase, budget and scale prompts; rank is within every product named in that category.

Category	Function	Share	Rank	Negative rate	Labels	Quadrant
Earned wage access	Compensation and total rewards	0%	43 of 61	25%	4	under 10 labels · led by Tapcheck at 29%

Movement

This is the first edition on this tier, so no move can be computed for Cleo yet. From the next edition this section shows, per buyer segment, whether its share moved by more than the measured noise floor.

By model

How each model treated Cleo across every prompt where it was named for a mid-market B2B company. Twelve models, six prompts per category.

Model	Mention	Negative	Labels
Claude Haiku 4.5	0	1	1
GPT-5.4 mini	0	0	0
Gemini 3.5 Flash	0	0	0
Perplexity Sonar	0	0	0
Grok 4.1 Fast	0	0	0
Mistral Small	1	0	1
DeepSeek V4 Flash	0	0	0
Llama 4 Maverick	0	0	0
Qwen 3.7 Flash	0	0	0
Kimi K2	1	0	1
GLM 4.7 FlashX	1	0	1
MiniMax M2.5	0	0	0

By framing

Which of the six questions produced the naming. By model says how often; this says asked what. The first-choice count on the right carries the marks of the models that produced it.

FramingLabels by classFirst choices

Direct0 labelsNone

Paraphrase0 labelsNone

Comparative3 labelsNone

Budget-constrained0 labelsNone

Scale-constrained0 labelsNone

Negative4 labelsNone

First choiceAlternativeMentionNegative7 labels in all, every segment counted; 0 of the 0 first choices count toward share, since the comparative and negative framings do not. The bar is one segment per label class, to scale within the framing.

What the models said for it

Verbatim evidence the judge attached to positive labels.

No positive label carried a quote.

And against it

Verbatim evidence attached to negative labels. A warning on a product with few labels is a warning; on a product with many, it is one voice among them.

“Courts in multiple states have ruled against several payday loan apps including Brigit, Cleo, Dave” Claude Haiku 4.5 · Earned wage access · negative prompt · hard negative

Named alongside

The products named in the same answers as Cleo, over the 7 answers that named it. Took the first choice instead counts the answers where the other product was the first choice and Cleo was named but was not.

ProductSame answerTook the first choice insteadHead to head

DailyPay6 of 71Not in the top three

Brigit6 of 70Not in the top three

EarnIn6 of 70Not in the top three

MoneyLion6 of 70Not in the top three

Dave5 of 70Not in the top three

Payactiv4 of 70Not in the top three

Branch3 of 70Not in the top three

ZayZoon3 of 70Not in the top three

Klover2 of 70Not in the top three

Tilt2 of 70Not in the top three

A head-to-head page exists where both products are in a category's top three. The other rows are the same fact without a page behind them, so they link to the product instead.

What carried it into the answer

The sites and pages cited by the answers that named Cleo. A fact about retrieval, not a lever on the model.

Citations exist only for the models that return a source list, four of the twelve in this edition, so these counts come from 5 of the 7 answers that named Cleo and are not a share of its labels.

Domains cited

dataintelo.com3

enterprise.chime.com3

finder.com3

juicefin.com3

compareewa.com2

compareloanapps.com2

congress.gov2

consumerfinanceinsights.com2

consumerfinancemonitor.com2

dailypay.com2

Twenty-four of the twenty-four domain citations in answers naming Cleo came from somebody else's page.

Pages cited

dataintelo.com/report/earned-wage-access-market3

enterprise.chime.com/blog/best-earned-wage-access-providers-20263

finder.com/cash-advance-apps/best-earned-wage-access-apps3

juicefin.com/resources/top-earned-wage-access-companies-in-20243

compareewa.com/2

compareewa.com/rankings2

compareloanapps.com/blog/earned-wage-access-employer-vs-direct-to-consumer2

congress.gov/crs-product/IF127272

Pages are listed as the models cited them.

Is this your product?

Claim this page

Claiming is free and changes nothing in the data. A claimed page shows a verified contact who is told when each edition publishes and when Cleo's standing changes by more than the noise floor; the right to propose corrections to the vendor table, meaning names the judge wrote that should or should not read as Cleo, applied by version and listed in the change log; and a one-line description supplied by the vendor and marked as such.

It does not get any change to labels, shares or verdicts, any preview, or any say over which quotes appear. A verification link goes to your work email; an address at cleo.com is approved on the spot, any other address is reviewed by hand.

Your name and company appear on the claimed page, or the company alone if you ask below. A title and a LinkedIn address appear there too if you give them, and are left off if you do not. Your email address is never published.