Cash Advance Apps
How does MoneyLion cash advance work?

How does MoneyLion cash advance work?

By Editorial Team
Last Updated: Nov 13, 2025

MoneyLion’s Instacash is a cash-advance feature inside the MoneyLion app that lets eligible users snag between $10 and $1,000 before payday. You link the checking account where your paycheck lands, the app reviews your recurring deposits, then shows the advance limit you qualify for. When you need cash, choose the amount, decide whether to tip, and pick delivery speed—standard transfers are free (1–5 business days), while Turbo sends money in minutes for $0.49–$8.99. There’s no subscription fee, no interest, and no credit check, and repayment is automatically pulled from your account on your next pay cycle. Because it’s an interest-free, fee-optional advance rather than a high-cost loan, MoneyLion isn’t classified as a payday lender.

How to get a MoneyLion cash advance: step-by-step

Open MoneyLion and follow these steps:

  1. Sign up: Download or open the MoneyLion app, tap Sign Up/Log In, and create your account.
  2. Verify ID: Enter your name, address, phone, SSN, and upload a government-issued ID.
  3. Connect bank: Link the checking account where your paycheck is deposited to unlock Instacash.
  4. Check limit: In the Home or Finances tab, select Instacash to see your available limit (up to $1,000).
  5. Pick amount: Tap Request, choose how much you need within that limit, and decide on an optional tip.
  6. Choose speed: Opt for free standard delivery (1–5 business days) or pay for Turbo to get funds in minutes.
  7. Confirm: Select the payout account or card, review the repayment date, and confirm—MoneyLion sends the cash.
  8. Automatic payback: On your next payday, the app withdraws the advance (plus any tip/fee). Then you can request another.

Table of contents

How to get a MoneyLion cash advance: step-by-stepAdvance amounts, fees and repayment termsHow long does MoneyLion cash advance take?What do MoneyLion users say about funding speed?

Advance amounts, fees and repayment terms

Advertised advance amounts
$10 - $1,000
Monthly fee
Free
Time to get cash
1–5 business days
Expedite fee
$0.49 to $8.99, depending on amount and account type
Time to get cash with express fee
Minutes

How long does MoneyLion cash advance take?

Pick the speed that fits your situation:

• Free standard delivery drops the money in your MoneyLion RoarMoney account in 1–2 business days, or in any linked checking account in 2–5 business days.
• Turbo delivery costs a small, one-time fee and lands the cash in minutes—$0.49–$6.99 if you send it to RoarMoney, or $1.99–$8.99 if you send it to an external bank, with the exact price tied to the size of your advance (about $5–$100).

What do MoneyLion users say about funding speed?

Out of roughly 60 November 2025 reviews that mention funding speed, over 40 rave about getting cash fast, while about 10 report hiccups or long waits:

  • Instant cash: Most users say money lands “in minutes,” “instantly,” or “right on time,” making it handy when they’re short on cash.
  • Delayed payouts: A smaller group cites waits of 3–14 business days, with a few noting boosts marked “delivered” that still hadn’t shown up.
  • Missing deposits: Several frustrated reviewers say the app debited repayment for advances that never hit their accounts and found support slow to fix it.
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