How do I increase my Instacash℠ limit?

If we can detect qualifying recurring direct deposits in your linked checking account and can predict when your income is deposited into your account, you'll have access to Instacash, typically up to 15% of your anticipated recurring direct deposit amount, $250. Typically, higher deposit amounts will unlock higher Instacash limits. If we can't detect any recurring income, you'll have access to a lower amount, with a minimum of $25.  


You can raise your Instacash limit with the same amount of income or other recurring amounts by switching your direct deposits into a RoarMoneySM account. With direct deposits into a RoarMoney account, you can unlock additional Instacash advances:


  • Your Instacash limit will be up to 30% of your recurring direct deposit amount per regular deposit cycle, up to a maximum of $1000.
  • For example, if you are paid bi-weekly and directly deposit $600 per paycheck into your RoarMoney account, your Instacash limit will be up to $180 per deposit period.
  • If we cannot determine if the direct deposit in your RoarMoney account is regularly recurring (i.e., with a standard pay frequency of either weekly, bi-weekly, semi-monthly or monthly), you'll have access to a lower amount but not less than $50.

If you ever decide that you want an even higher Instacash limit (who wouldn't!) after you set up a direct deposit, you can increase the amount of your direct deposit to further raise your available Instacash limit (up to $1000). It's easy to do this in the app anytime or through your employer or other payor. Learn more on how to do so here.

You can also increase your Instacash limit up to 20% of your paycheck or other income deposit, up to a maximum of $300, by becoming a Credit Builder Plus member. 

Please see the table below for a summary of what your Instacash advance limit will be depending upon how you access advances:


Maximum limit with no recurring deposits detected in external accounts (excluding any eligible Boosts)

Regular recurring direct deposits detected

Maximum Instacash limit by % of direct deposit (excluding any eligible Boosts)

Minimum Instacash limit

Maximum Instacash limit (excluding any eligible Boosts)

Standard (direct deposit in external account only)





Credit Builder Plus members





Direct deposit into RoarMoney account






In addition, you can increase your Instacash limit by qualifying for Boosts. Please see here for more information on Boosts.

As a reminder, your Instacash advance limit, including any qualifying Boosts, will not exceed 50% of your anticipated recurring direct deposit amount.


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

Credit Builder Plus membership ($19.99/mo) unlocks eligibility for Credit Builder Plus loans and other exclusive services. A soft credit pull will be conducted which has no impact to your credit score. Credit Builder Plus loans have an annual percentage rate (APR) ranging from 5.99% APR to 29.99% APR, are made by either exempt or state-licensed subsidiaries of MoneyLion Inc., and require a loan payment in addition to the membership payment. The Credit Builder Plus loan may, at lender’s discretion, require a portion of the loan proceeds to be deposited into a reserve account maintained by ML Wealth LLC and held by Drivewealth LLC, member SIPC and FINRA. The funds in this account will be placed into money market and/or cash sweep vehicles, and may generate interest at prevailing market rates. You will not be able to access the portion of your loan proceeds held in the credit reserve account until you have paid off your loan, and until your Credit Builder Plus membership payments are current. If you default on your loan, your credit reserve account may be liquidated by the lender to partially or fully satisfy your outstanding indebtedness. May not be available in all states.

Credit Reserve Accounts Are Not FDIC Insured • No Bank Guarantee • Investments May Lose Value. For important information and disclaimers relating to the MoneyLion Credit Reserve Account, see Investment Account FAQs and FORM ADV.

Credit score improvement is not guaranteed. A soft credit pull will be conducted which has no impact to your credit score. Credit scores are independently determined by credit bureaus, and on-time payment history is only one of many factors that such bureaus consider. Your credit score may be negatively impacted by other financial decisions you make, or by activities or services you engage in with other financial services organizations. MoneyLion is not a Credit Services Organization.

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