MoneyLion Instacash
4.4Growing your limitFacts verified September 11, 2026
Get MoneyLion
On MoneyLion's site
MoneyLion Instacash is a cash advance inside the MoneyLion app. You can get up to $500. There is no interest and no credit check. Send your direct deposit to a MoneyLion Spend account, and your limit can grow to $1,000. Standard delivery is free. Instant delivery costs $0.49 to $8.99, but MoneyLion only lists fees up to $100.
Get MoneyLion
On MoneyLion's site
$500
Max advance
$0/mo
Subscription
None
Credit check
$0.49 to $8.99, by amount and destination
Instant fee
The details
- Max advance
- Up to $500
- Limit resets
- Rolling
- Mandatory fees
- None
- Premium plan (optional)
- $19.99/mo (Credit Builder Plus)
- Interest
- None
- Credit check
- None
- Direct deposit required?
- Yes
- Bank-link required
- Yes
- Instant transfer
- Within minutes (optional Turbo delivery)
- Instant transfer fee
- $0.49 to $8.99, by amount and destination
- 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
- Link a checking account open at least 2 months, with a history of income deposits, and verify your identity and account ownership. Base limit is up to $500. Moving your direct deposits into a MoneyLion Spend account can raise it to $1,000, depending on expected income; a paid membership can raise it to $700. MoneyLion does not publish whether Instacash repayment is reported to the credit bureaus.
Pros & cons
Pros
- Instant delivery starts at 49 cents with a MoneyLion Spend account.
- You never have to pay a monthly fee to use Instacash.
- Move your direct deposit in, and your limit can climb toward $1,000.
Cons
- MoneyLion offers up to $1,000 but only lists fees up to $100. The rest is a guess.
- MoneyLion asks for a tip on top of the Turbo fee.
- Reaching $1,000 needs MoneyLion's own Spend account, and the $700 tier's price stays secret.
