How much does MoneyLion let you borrow?

Based on the user reviews we've analyzed, it seems that while MoneyLion advertises a maximum cash advance of $1,000, many users experience varying amounts and some challenges in accessing higher limits. Our data is drawn from reviews published in June and July 2025, providing the latest insights into MoneyLion’s current practices. Here's what people are saying:

• Fluctuating advance amounts: Users report inconsistencies, with advancements ranging from as low as $10 up to $1,000, but amounts can fluctuate without clear reasons.
• Starting small: Several folks mention initial advances being low—sometimes just $10—and it takes time and consistent repayments to build up to larger amounts.
• Withdrawal limits: Even when approved for higher amounts (like $325 or $650), some users can only withdraw $100 at a time, incurring fees with each transaction.
• Higher amounts possible: A few users have accessed advances of $500 or more, especially after setting up direct deposit with MoneyLion.
• Decreasing limits over time: Some users experienced their available advance amounts decreasing without any changes in their income or repayment history.

So, does MoneyLion actually send you $1,000? It appears that while it's possible, reaching that amount may require time, consistent use of their services, and possibly setting up direct deposit. Many users find themselves dealing with lower and sometimes fluctuating limits, so keep this in mind if you're considering MoneyLion for a hefty cash advance.

If you're looking to get a bigger cash advance on MoneyLion, building a strong repayment history is key. Users have found that consistently paying back advances on time can help increase your borrowing limit over time.

Make sure your bank account is correctly linked and that the app recognizes your direct deposits. If you're having connection issues, try updating or re-linking your account to ensure your income is properly reflected.

Some users consider joining MoneyLion's Credit Builder Plus program, which might impact your cash advance limit. While results can vary, exploring the app's features and maintaining good financial habits may help you access larger advances.