How do I increase my Instacash limit?

Credit Builder Plus and Instacash with Banking members get access to up to $150 in Instacash advances every pay period. The exact amount will be based primarily on whether we can detect qualifying income in your external checking account and predict when you'll be able to repay your Instacash. If we detect qualifying income, you'll have access to up to $150. If we can't, you'll have access to a lower amount. You will always have access to a minimum amount of $25.  
If you have a MoneyLion Checking account, you can unlock up to $250 in Instacash by setting up a direct deposit into your MoneyLion Checking account. 
Here's how:
  1. First, make sure you have enrolled in MoneyLion's Zero-Fee Checking account. For members, there's no fee to open an account, and you'll never get hit with any bank fees like overdrafts or minimum balance fees.
  2. Second, set up a direct deposit into your MoneyLion Checking account, which you can do quickly in the MoneyLion app or through your employer. Find how-to steps here.

If you add direct deposit, your Instacash limit will be based on the amount of your direct deposit:

  • Your Instacash limit is 30% of your recurring direct deposit amount per pay cycle.
  • For example, if you are paid bi-weekly and directly deposit $500 per paycheck into your MoneyLion Checking account, your Instacash limit will be $150 per pay period.

If you ever decide you want an even higher Instacash amount (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 $250). It's easy to do this in the app anytime or through your employer.

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