What is Instacash℠?

With Instacash℠, you can get 0% APR cash advances based on recurring direct deposits of paychecks or other income that you have not yet received, typically between $25 and $250, whenever you need them during your regular deposit period. There's no interest, no monthly fee, and no credit check required to access Instacash.


To request Instacash advances, tap Accounts on the Home screen of the MoneyLion App. Learn about eligibility requirements here. You'll find out in seconds if you qualify and how much you can get. Another way to unlock Instacash (and to unlock the highest amounts) is to set up direct deposits into a RoarMoneySM account.


Once you unlock Instacash, here's how to access Instacash advances anytime:

  1. Open the MoneyLion App, go to the Accounts tab.
  2. Tap the Instacash button at the top.
  3. Tap the Request button.
  4. Select the advance amount you want to receive. Advances must be taken out in predetermined increments based on your Instacash limit, typically in increments of $5 or $50. You will also be able to select whether to leave MoneyLion a “Tip”, and how quickly you would like the funds transferred to your account (for expedited delivery, we charge a Turbo Fee that will be disclosed to you within the App). 
  5. Take out additional advances during your regular deposit period, up to your Instacash limit. 


The amount of Instacash you received and any related Tips and Turbo Fees will be automatically deducted from your authorized payment account or debit card on the scheduled repayment date displayed to you in the App, with no interest. You can request another Instacash advance once you repay your previous advances and any related Tips and Turbo Fees.


Learn more about Tips and Turbo Fees.


Note: You can learn more about manual repayments here, and more about automatic repayments here.




Instacash℠ is an optional service offered 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. 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, MetaBank®, 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.

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