As a Credit Builder Plus or Instacash with Banking member, you'll have an available Instacash limit between $25 and $200. The exact amount will be based on factors in your linked checking account, primarily whether we can detect recent qualifying income and are able to predict when you'll be able to repay your Instacash. If we detect recent qualifying income, you'll have access to up to $200 depending on the income amount. If we can't, you'll have access to a lower amount but not less than $25.
In other words, as your linked checking account's financial factors change (such as an increase, decrease, or change in the regularity of in detectable income), your Instacash limit may go up and down between $25 and $200 accordingly.
Note that if you have a regular, recurring direct deposit into your MoneyLion Checking account, you will have an Instacash limit of up to 30% of your average deposit amount. Similarly, if the amount of your deposit goes up or down, your Instacash limit may go up and down with it. The maximum amount you will have access to is $250. If we cannot determine if the direct deposit in your MoneyLion checking 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.