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GET CASH ADVANCES UP TO $250 WITH NO INTEREST

Start making life easier with Instacash℠! Get up to $250 anytime. No interest.
No monthly fee. No credit check.

Get Instacash



UNPLANNED EXPENSES?
GET FREE ACCESS TO INSTACASH

Whether you need to pay a bill, avoid a late fee, fill the tank, or treat
yourself to a night out, Instacash helps you handle all of life’s fun and
not-so-fun surprises. And it’s easy to use anytime. Once you’re qualified, you
can get cash in minutes in a few simple steps:

1.

DOWNLOAD THE MONEYLION
APP AND TAP “INSTACASH”

Link your checking account to qualify for 0% APR cash advances. No credit check.



2.

TAP “REQUEST”

When you use Instacash, the amount you receive is automatically deducted from
your account on the due date as determined by your pay or other recurring
deposit cycle (usually in about two weeks) — with no interest.

3.

SELECT THE AMOUNT YOU WANT

Note how soon you would like the funds in your account. Choose free standard
delivery or pay a small fee to get your funds almost immediately with Turbo
delivery.


Get Instacash

PRO TIP

Any kind of income or recurring deposits, including government benefits, can
help you qualify. The higher and more consistent your deposits, the higher the
Instacash you can unlock.


I NEED CASH FAST. HOW MUCH MONEY WILL I GET?

IN THE BEGINNING, YOU’LL UNLOCK $25 OR MORE.

If we detect recurring deposits in your linked external account, you’ll unlock
at least $50 and up to $250.

Switch your direct deposits into a RoarMoney account or become a Credit Builder
Plus member to unlock up to $300.

Please note, it can take about three to eight weeks to become eligible for the
maximum amount of Instacash.



full tank

$45

Instacash received

groceries

$50

Instacash received

movie night

$35

Instacash received


STOP MISSING OUT. START JOINING IN.

Get Instacash


SEE HOW IT WORKS




GET EXTRA CASH WHEN YOU NEED IT

Get Instacash



FREQUENTLY ASKED QUESTIONS

HOW DO I GET INSTACASH?


 * To apply for instant cash advances up to $250, 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 easier to increase your available Instacash amount by setting up direct
   deposits into a RoarMoney account. You’ll unlock cash advances equal to 30%
   of your direct deposit amount per pay period or benefit check. So if you
   deposit $600, you’re eligible for $180 in Instacash.
   
   HOW TO USE INSTACASH
   
 * Open the app, go to the Finances tab.
 * Tap the Instacash button at the top.
 * Tap the Request button
 * Select the amount you want, and how soon you would like the funds transferred
   to your account.
 * When you use Instacash, the amount you borrowed is automatically deducted
   from your account on the due date as determined by your pay cycle – with no
   interest. You can take another Instacash once you repay your last Instacash
   as long as you maintain your eligibility.

 



HOW DO I QUALIFY FOR INSTACASH?



To apply for 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 when you
apply:

 * It’s not too new: Choose an account that’s been open for at least two months.
 * It shows income deposits: Pick the account where you regularly deposit
   your income/paychecks and have a history of depositing income.
 * It has a positive balance: Choose an account where you have consistently
   maintained a positive balance.
 * It’s active: Choose an account that you have used and continue to use
   regularly!

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:

 * Enter your info as it appears on your bank account. We’ll check the info you
   enter against the details we receive from your linked bank to make sure they
   match.
 * Make sure your info matches your public records. We’ll also check the info
   you enter against electronic public records. If you suspect that your public
   records are incorrect, contact us and we may be able to manually verify your
   identity.

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 missed
membership and/or loan payments, you may not be eligible to take out Instacash
until your account is in good standing.

WILL INSTACASH AFFECT MY CREDIT?



No! We don’t do any sort of credit pull or credit check during or after an
Instacash request.

HOW MUCH DOES INSTACASH COST?



You can unlock Instacash for free. There’s no monthly fee and no interest. Any
delivery fees and tips are totally optional. Whether you choose to tip and which
delivery method you use does NOT impact your access to Instacash.

Each time you get an Instacash advance, you can select from these disbursement
options, some of which have associated costs:

 * Regular delivery (12 – 48 hours) to your RoarMoney account – $0
 * Regular delivery (3 – 5 business days) to your external checking account – $0



Lastly, every time you take an interest-free cash advance, we request you to
leave a small optional tip. These tips help us cover the high costs of keeping
Instacash interest free and readily available to as many members as possible.
We’re all in this together!

**Turbo Service provided by a third party, LionPay LLC.

HOW WILL MY INSTACASH ADVANCE BE REPAID?



Instacash repayments are automated, making it easy to pay on time and replenish
your Instacash so it’s ready when you need it next! You will owe the amount that
you borrowed plus any fee for turbo delivery (only if selected!) and any
optional tip you chose to leave (thank you). There’s no interest charged.

Here’s how automated Instacash repayments work:

 * If you have a RoarMoney account, we’ll automatically deduct your repayment
   once your Instacash is due. If there is not enough balance in your account,
   we will deduct a partial repayment and try again the next day, until the
   Instacash is fully repaid.
 * If you do not have a RoarMoney account, or if your RoarMoney account doesn’t
   have funds to cover what you owe, we will use the alternate debit card you
   designated for Instacash repayments. If there is not enough in your balance,
   we will try later when you have a balance or a deposit is expected.

Make sure to keep your RoarMoney account funded to ensure quick Instacash
repayments and seamless Instacash access! You can transfer funds into the
account anytime right in the app.

To find out more about how you can manually repay your Instacash, please see How
can I repay my Instacash manually or watch the video below!

 



HOW DO I INCREASE MY INSTACASH LIMIT?



If we can detect qualifying income in your linked checking account and predict
when you’ll be able to repay your Instacash, you’ll have access to up to $200 in
Instacash. Typically, higher deposit amounts will unlock higher Instacash
amounts. If we can’t detect income, you’ll have access to a lower amount, with a
minimum of $25.

You can raise your Instacash limit with the same amount of income by switching
your direct deposits into MoneyLion bank account. With direct deposits into a
MoneyLion account, you can unlock up to $250 in Instacash:

 * Your Instacash limit will be 30% of your recurring direct deposit amount per
   pay cycle.
 * For example, if you are paid bi-weekly and directly deposit $600 per paycheck
   into your MoneyLion bank account, your Instacash limit will be $180 per pay
   period.
 * If we cannot determine if the direct deposit in your MoneyLion account is
   regularly recurring (i.e with a standard pay frequency of either weekly,
   bi-weekly, semi-monthly or monthly) you’ll have access to a lower amount but
   not less than $50.

If you ever decide you want an even higher Instacash amount (who wouldn’t!)
after you set up a direct deposit, you can increase the amount of your direct
deposit to further raise your available Instacash limit (up to $250). It’s easy
to do this in the app anytime or through your employer.

HAVE MORE QUESTIONS?

Read More FAQs

CONTACT

24 hours a day, 7 days a week
1-888-704-6970
customercare@moneylion.com



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© 2013 - 2022, MoneyLion Inc.
All Rights Reserved.

Instacash is a 0% APR cash advance service provided by MoneyLion. Your available
Instacash advance limit will be displayed to you in the MoneyLion mobile app and
may change from time to time. Your limit will be based on your direct deposits,
account transaction history, and other factors as determined by MoneyLion. This
service has no mandatory fees. You may leave an optional tip and pay an optional
Turbo Fee for expedited funds delivery. For a $40 Instacash advance with a Turbo
Fee of $4.99, your repayment amount will be $44.99. Generally, your scheduled
repayment date will be your next direct deposit date. An Instacash advance is a
non-recourse product; you will not be eligible to request a new advance until
your outstanding balance is paid. See Membership Agreement
and help.moneylion.com for additional terms, conditions and eligibility
requirements.

MoneyLion is a financial technology company, not a bank. RoarMoney℠ demand
deposit account provided by, and MoneyLion Debit Mastercard® issued by,
Pathward, National Association, Member FDIC. RoarMoney is a service mark of
MoneyLion. Mastercard is a registered trademark, and the circles design is a
trademark of Mastercard International. Funds are FDIC insured, subject to
applicable limitations and restrictions, when we receive the funds deposited to
your account.

Credit Builder Plus membership ($19.99/mo) unlocks eligibility for Credit
Builder Plus loans and other exclusive services. A soft credit pull will be
conducted which has no impact to your credit score. Credit Builder Plus loans
have an annual percentage rate (APR) ranging from 5.99% APR to 29.99% APR, are
made by either exempt or state-licensed subsidiaries of MoneyLion Inc., and
require a loan payment in addition to the membership payment. The Credit Builder
Plus loan may, at lender’s discretion, require a portion of the loan proceeds to
be deposited into a reserve account maintained by ML Wealth LLC and held by
Drivewealth LLC, member SIPC and FINRA. The funds in this account will be placed
into money market and/or cash sweep vehicles, and may generate interest at
prevailing market rates. You will not be able to access the portion of your loan
proceeds held in the credit reserve account until you have paid off your loan.
If you default on your loan, your credit reserve account may be liquidated by
the lender to partially or fully satisfy your outstanding indebtedness. May not
be available in all states.

Credit Reserve Accounts Are Not FDIC Insured • No Bank Guarantee • Investments
May Lose Value. For important information and disclaimers relating to the
MoneyLion Credit Reserve Account, see Investment Account FAQs and FORM ADV.

Credit score improvement is not guaranteed. A soft credit pull will be conducted
which has no impact to your credit score. Credit scores are independently
determined by credit bureaus, and on-time payment history is only one of many
factors that such bureaus consider. Your credit score may be negatively impacted
by other financial decisions you make, or by activities or services you engage
in with other financial services organizations. MoneyLion is not a Credit
Services Organization.