How soon after I set up direct deposit can I use Instacash?

After you set up a direct deposit, you'll gain access to Instacash as soon as we can confirm that you have a recurring direct deposit into your MoneyLion Checking account. It typically takes three recurring paycheck deposits before we can recognize the deposit as recurring; however, we may be able to unlock Instacash and offer you a minimum amount of $50 after your first paycheck in most cases.

Here's how it typically works:

  1. Check that your first direct deposit is received into your MoneyLion Checking account. This means you're on your way to using Instacash!
  2. Make sure that your first direct deposit is followed by two more paycheck deposits of similar amounts on a recurring basis (timing will be based on your weekly, bi-weekly, or monthly pay schedule).
  3. Enjoy Instacash advances at 0% APR!

If you have received three recurring paychecks into your MoneyLion Checking account but still have not unlocked Instacash, please use help.moneylion.com to submit a help request, so we can make sure your paychecks are getting detected.

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