How much does Instacash cost?

Instacash advances are interest free, and any delivery fees and tips are totally optional. Woo hoo! Whether you choose to tip and which delivery method you use does NOT impact your access to Instacash. Your access to Instacash may require a membership fee. See below.


Here are your options for accessing Instacash and the potential costs:

  • If you set up a recurring direct deposit of $250 or more into your MoneyLion Checking account, you can access Instacash up to $250 at NO CHARGE. Learn more here.
  • If you join Credit Builder Plus for $19.99/month, you'll get access to up to $200 in Instacash as part of your membership! Credit Builder Plus also includes a low APR loan. Learn more here.
  • If you join Instacash with Banking for $9.99/month, you’ll get access to up to $200 in Instacash and the ability to add banking and investing!

NOTE: With an Instacash with Banking membership, you won’t be charged the $9.99 membership fee until 30 days after you receive your first Instacash advance. Therefore, if you cancel before that 30 days is up, and your Instacash is repaid in full, you will not be charged the membership fee. For example, if you got an Instacash advance on May 1, repaid it on May 10, and canceled your Instacash with Banking membership on May 15, you will never incur the $9.99 membership fee.


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 MoneyLion Checking account – $0
  • Regular delivery (3 - 5 business days) to your external checking account – $0
  • Turbo (instant) delivery to your MoneyLion Checking account – $3.99**
  • Turbo (instant) delivery to an external checking account or debit card – $4.99**

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.

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