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.


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. 


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. 


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