Get up to $500. Fast.
Access up to $500 of your hard-earned cash exactly when you need it.
No interest. No credit check. No mandatory fees.
Available in minutes for a fee1, or get it in 1-5 business days with no fees.
Get up to $500. Fast.
Access up to $500 of your hard-earned cash exactly when you need it.
No interest. No credit check. No mandatory fees.
Available in minutes for a fee1, or get it in 1-5 business days with no fees.
Need More?
Become a RoarMoneySM customer3 and set up qualifying recurring direct deposits to increase your limit.
Temporarily increase your Instacash limit when you complete actions in the MoneyLion app or participate in promotions.
Every month, you can increase 5 of your friends’ Instacash limits4 with Peer Boosts - at no cost to you. They can even Boost you right back to raise your limit temporarily.
No stress, no hassle.
Enjoy peace of mind knowing your Instacash repayments are automated, so you can focus on what really matters.
If you don't qualify for the full Instacash experience, we have a path to get you there and will provide you with an initial Instacash amount to help you out.
How Does it work? Simple.
Sign Up for MoneyLion or Download the MoneyLion app to sign up for Instacash.
If you already have the app, tap Instacash on the ‘Accounts’ tab
Link the bank account where you receive your paycheck to see if you qualify.
Select the amount you want.
Confirm, and voila! You’re done. Enjoy your cash.
What people say6, 7
93%
of Instacash customers have felt more in control of their finances since they started using Instacash.
88%
of Instacash customers believe Instacash is their best option when they need access to cash.
89%
of Instacash customers believe they are better able to take care of themselves and their dependents since they started using Instacash.
This app was a total life saver. I put myself in a terrible situation right before payday and was able to access funds immediately and now.
Melio07 from app store
7/27/23
They are the best when you are in need of fast cash.
Cobra12King Adams from google play
7/12/23
MoneyLion is the best cash advance app that I’ve used. The app is very user friendly, and they will work with you as long as you communicate with them. If I ever need a cash advance again, I’m definitely going through Moneylion!
ERJr@3232 fROM APP STORE
7/27/23
Learn more about Instacash
Learn MoreTo apply for cash advances up to $500, tap Instacash on the Home screen of the MoneyLion app. You’ll find out right away how much you can get. There’s no interest, no monthly fee, and no credit check! Here’s more info on qualifying.
It’s easy to increase your available Instacash amount by setting up direct deposits into a RoarMoney account. You’ll unlock cash advances up to $1,000** depending on your qualifying income.
HOW TO USE INSTACASH
To unlock 0% APR Instacash advance, tap the Instacash button on the Home Screen. All you need to do is link your checking account to apply. It’s secure and quick. We’ll then verify your checking account and your identity so you can get cash quickly.
CHECKING ACCOUNT MINIMUM REQUIREMENTS
We’ll review your linked account to confirm that it meets or exceeds our minimum qualification requirements. You can improve your chances of qualifying by linking a checking account that meets or exceeds the following criteria:
Any account that cannot be confirmed as a checking account, such as a savings or money market account, will not qualify for Instacash.
IDENTITY VERIFICATION REQUIREMENTS:
We must be able to verify your identity and checking account ownership:
If your account doesn’t qualify, please try again when it has been open longer and/or had more consistent deposits and positive balance — or try another checking account!
Please note: If you’re a Credit Builder Plus member but you have late or missed loan payments, you may not be eligible to take out Instacash advances until your account is in good standing.
No! We don’t do any sort of credit pull or credit check during or after an Instacash request.
You can unlock Instacash for free! Standard delivery (which could take up to 5 business days*) for no cost or you can choose the optional Turbo delivery and get your cash within minutes. Turbo delivery fees vary. There’s no monthly fee and no interest. Any Turbo fees and tips are totally optional. Whether you choose to tip and/or pay a Turbo fee for expedited delivery does NOT impact your access to Instacash or your Instacash limit.
Each time you get an Instacash advance, you can select from these disbursement options, some of which have associated costs:
Lastly, every time you take an interest-free cash advance, you will have a choice to leave a small optional tip in appreciation of the Instacash advance service.
Instacash repayments are automated, making it easy to pay on your scheduled repayment date and replenish your Instacash so it’s ready when you need it next! On each scheduled repayment date, the amount of Instacash you received and any related optional Tips and optional Turbo Fees will be automatically deducted from your authorized payment account or debit card. There’s no interest charged.
Here’s how automated Instacash repayments work:
Head here to learn more about Instacash repayments.
After you unlock Instacash, if we can detect qualifying recurring direct deposits in your linked checking account and can predict when your income is deposited into your account, you’ll have access to Instacash limit of up to $500. Typically, higher deposit amounts will unlock higher Instacash limits.
You can increase your Instacash limit up to a maximum of $1000** (depending on the anticipated income amount) by switching your direct deposits into a RoarMoneySM account. It’s easy to do this in the app at anytime or through your employer or other payor. Learn more on how to do so here.
Alternatively, you can sign up for a paid MoneyLion membership, which can also increase your Instacash limit up to $700.
If you are not currently eligible for our complete Instacash experience, you may be eligible for our Trial experience, which allows you to start with a minimum of $10 and unlocks higher limits by advancing through a repayment progression program. See here for more information about Trial Instacash.
Have More Questions?
Read More FAQs