MoneyLion Instacash

4.4Growing your limitFacts verified August 31, 2026

On MoneyLion's site

MoneyLion Instacash advances you up to $500 before payday — with no interest, no credit check and no mandatory fees.

On MoneyLion's site

$500

Max advance

$0/mo

Subscription

None

Credit check

$0.49-$8.99 ($0.49-$6.99 to a MoneyLion RoarMoney account; $1.99-$8.99 to an external account)

Instant fee

The details

Max advance: Up to $500
Limit resets: Rolling
Mandatory fees: None
Premium plan (optional): MoneyLion WOW membership: $9.99/month, $54.90/six months, or $99.99/year (optional)
Interest: None
Credit check: None
Direct deposit required?: Yes

Bank-link required: Yes (Plaid)
Instant transfer: Within minutes (optional Turbo delivery)
Instant transfer fee: $0.49-$8.99 ($0.49-$6.99 to a MoneyLion RoarMoney account; $1.99-$8.99 to an external account)
Free transfer: 1-5 business days (1-2 business days to a MoneyLion Spend account; 2-5 business days to an external checking account)
Tips: Requested (optional)
Eligibility: US residents 18+ with an active checking account at least 2 months old

Pros & cons

Pros

Cash advances up to $500 with no interest (0% APR) and no credit check
No mandatory fees; standard delivery is free in 1-5 business days
Optional Turbo delivery gets funds within minutes

Cons

Instant (Turbo) delivery costs $0.49 to $8.99, depending on advance amount and disbursement account (cheaper into a RoarMoney account than an external one)
An optional tip is solicited on every advance
Requires linking a qualifying checking account that passes account-history and identity checks
Reaching the up-to-$500 limit requires detectable recurring direct deposits in the linked account
Higher limits require routing direct deposits into a MoneyLion Spend account or paying for a membership ($9.99/month and up)

Disclaimer: Firstcard works hard to keep its information accurate and up to date, including re-verifying product fees on a regular schedule. Still, this information may differ from what you see when you visit a financial company's own site: companies change their terms, sometimes without notice. All products are presented without warranty. Before you take any offer, please review the company's own terms and conditions. Pre-qualified or "guaranteed" offers described by product companies are made by those companies, not by Firstcard, and are not binding until the company approves you. Firstcard is a financial technology company, not a bank, not a lender, and not a credit repair service; we do not make lending decisions. When we say a product "builds credit," results depend on the product reporting your activity to credit bureaus and on your own payment behavior. Some companies on this site pay us when you get their products through our links; this compensation, along with member engagement, may affect which products we feature and where they appear, but it never affects our star ratings, reviews, or true-cost calculations. See our Advertiser Disclosure, How We Make Money, Our Partners, How We Rate Financial Products, and Editorial Guidelines. If you find errors in your credit score or credit report, contact the credit bureau directly (Equifax, Experian, or TransUnion).

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