When you request access to Instacash, we'll securely review your linked checking account to see if you qualify (learn more about qualifying here). Having consistent, recurring direct deposits helps you unlock Instacash.
Here are examples of income types that might NOT qualify or may affect your Instacash limit:
- Inconsistent or random deposits from freelance work
- ATM, mobile, or cash deposits
- A single paycheck from a new employer
- Direct deposits of an amount that is too low to be treated as income, e.g., the recurring deposit amount is only $1
The exact amount of Instacash advances you'll unlock is based on a few factors (learn more here). We’ll always show you your advance limit on the Instacash screen in the MoneyLion mobile app.
If you don't currently meet the direct deposit requirements for accessing Instacash advances, please try again if your situation changes. Our system constantly reviews your linked accounts for recurring deposits, and therefore your eligibility status may be updated from time to time.
There are also a variety of ways for you to unlock higher Instacash limits. Learn more 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.