What is the Instacash referral program?



Now you can earn $50 Instacash boosts by referring friends to several MoneyLion products: InstacashSM advances, RoarMoney mobile banking, or Credit Builder Plus. 


When you see the referral offer in the MoneyLion app after requesting an Instacash advance, or receive an email from us about this referral offer, use your unique referral link to share these awesome MoneyLion products with your friends: 

INSTACASH: 0% APR cash advances up to $250 to help you cover essentials and surprises. Apply just by linking your checking account! No monthly fee.

ROARMONEY: Sign up in minutes for an account that gives you a contactless MoneyLion Debit Mastercard® and RoarMoney virtual card, balance and transaction alerts, 55k no-fee ATMs1, early direct deposits2, and more.

CREDIT BUILDER: Credit Builder Plus loans up to $1,000, reporting to all 3 credit bureaus, and credit tracking with weekly score updates. No credit check to sign up.

If a friend signs up for any of them, you’ll get a $50 Instacash boost for two weeks!


Got a lot of friends? Good! For each friend who signs up for any MoneyLion product with your referral code, we’ll extend your Instacash boost for another two weeks, up to a max of 30 weeks of boosts.


Promotion Terms and Conditions

This limited-time promotion is available until 31st December, 2021 and is available to select members in good standing at MoneyLion’s discretion. If you are eligible for InstacashSM, you can receive an InstacashSMboost” of $50 for anyone who successfully opens a RoarMoney account or successfully signs up for Credit Builder Plus or Instacash for the first time using your unique referral link via their mobile device. Referee may be an existing MoneyLion member, but may not be currently signed up for the eligible products in order to qualify as an eligible referral. Referee must meet all eligibility requirements for the particular product as established by MoneyLion and its third-party providers. The initial $50 increase in your Instacash limit will last two weeks. For each additional successful referral, the $50 boost will be extended by two weeks. The max duration of all boosts arising from this promotion is 30 weeks (or 15 successful referrals). The max boost arising from a referral program at any one time is $50. For the avoidance of doubt, members who are in default or behind on Instacash, loan or membership payments are not members in good standing. MoneyLion reserves the right to review all referrals for eligibility, and we may discontinue this promotion at any time. Any fraudulent or other suspicious referral activity will void any referral bonuses earned and may also result in account suspension.


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.


Instacash is an optional service offered by MoneyLion. Terms and eligibility requirements apply. See Membership Agreement and help.moneylion.com for more information.


Credit Builder Plus membership ($19.99/mo) unlocks eligibility for Credit Builder Plus loans and other exclusive services. 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. 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 providers. MoneyLion is not a Credit Services Organization.


1 MoneyLion Debit Mastercard can be used for no-fee withdrawals at ATMs in the Allpoint network. Fees may apply for ATM transactions outside this network. 

2 Faster and easier access to funds is based on comparison of traditional banking policies and deposit of paper checks versus deposits made electronically and the additional methods available to access funds via a Card as opposed to a paper check.   

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