How does MoneyLion cash advance work?

Download MoneyLion on your phone and follow these steps:

1. Sign up: Create an account using your personal information.
2. Verify identity: Provide a valid government-issued ID.
3. Link bank account: Connect the bank account where you receive your income.
4. Access Instacash: Tap on "Instacash" in the "Finances" tab.
5. Request advance: Choose the amount you want to advance (up to your approved limit). The maximum amount advertised by MoneyLion is $1,000.
6. Delivery method: Select your delivery speed—instant for a fee or standard delivery in 1–5 business days for free.
7. Confirm and receive: Review your request and get the funds deposited into your bank account.
8. Repayment: Repayment will be automatically collected from your bank account on the scheduled date.

You can get your cash advance in 1 to 5 business days for free with MoneyLion's standard delivery. If you have a RoarMoney account, the free standard delivery is faster, taking 1 to 2 business days.

If you need your money sooner, you can opt for Turbo Delivery to receive your funds in minutes. The Turbo Delivery fee depends on the amount of your advance and where you're sending the money. For transfers to a RoarMoney account, the fees are lower:

• $0.49 for $5 or less
• $1.99 for $10 – $25
• $2.99 for $30 – $45
• $3.99 for $50 – $65
• $5.49 for $70 – $85
• $6.99 for $90 – $100

For transfers to an external checking account, the fees are slightly higher:

• $1.99 for $5 or less
• $3.99 for $10 – $25
• $4.99 for $30 – $45
• $5.99 for $50 – $65
• $7.49 for $70 – $85
• $8.99 for $90 – $100

Out of hundreds of reviews published in June and July 2025 that we analyzed, we found 40+ recent comments mentioning funding speed. Here’s what users say about it:

• Fast and easy: Over 35 users praise the app for its quick funding, often mentioning that they received cash instantly or within minutes when they needed it most.
• Occasional delays: A few users express frustration with delays in processing repayments or accessing new advances, sometimes citing processing times of several days. Overall, most users are pleased with MoneyLion’s speedy funding, though a small number report issues with delays.