How do I qualify for Instacash℠ advances?

To get access to 0% APR Instacash advances, tap Accounts on the Home Screen of the MoneyLion App. To get started, all you need to do is link your checking account. It's secure and quick. We'll then verify your checking account and your identity so you can get cash quickly. You can access Instacash advances using your RoarMoney℠ account or an account with another bank.


We’ll review your checking account to confirm that it meets or exceeds our minimum qualification requirements. To qualify, make sure that the checking account you are using meets or exceeds the following criteria: 

  • It’s not too new: Choose an account that’s been open for at least two months.
  • It shows recurring deposits: Pick the account where you regularly deposit your income/paychecks and have a history of depositing income or other recurring amounts.
  • 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 you for access to Instacash advances. 

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!


We must also 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. 

Alternatively, you can also qualify for Instacash advances by opening a RoarMoney account. If you use your RoarMoney account to access Instacash advances, then we’ve got your information already and you are all set!

Please note: If you’re a Credit Builder Plus member but you have late or missed loan payments, you may not be eligible to take out Instacash advances until your account is in good standing. 


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 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.

Was this article helpful?
4145 out of 8037 found this helpful
Have more questions? Submit a request