Cash Advance Apps
How much does MoneyLion let you borrow?

How much does MoneyLion let you borrow?

By Editorial Team
Last Updated: Nov 13, 2025

MoneyLion’s Instacash advances range from $10 up to $1,000. Most newcomers start with a limit as high as $500, and routing your paycheck into a MoneyLion RoarMoney account can push that ceiling to the full $1,000. You can dip into the line in $100 draws as often as you want until you hit your available limit, and temporary in-app Boosts (including the monthly Peer Boost) may tack on a few extra dollars. The exact amount you can borrow is recalculated from the size and consistency of the direct deposits flowing into the checking account you link, so steadier paychecks typically unlock higher limits.

Table of contents

Does MoneyLion actually send you $1,000?How to get a bigger cash advance on MoneyLion?

Does MoneyLion actually send you $1,000?

  • Growing limit: Some users say their Instacash moved from $150 to “a couple hundred,” and one person even saw a $700 ceiling after paying every advance back on time.
  • Boost feature: Community boosts (and consistent repayment) can help bump your available amount a little faster.
  • Rarely $1k: No review mentions actually hitting the promised $1,000—typical first offers are $10-$150, with a handful reaching $250.
  • $100 cap: Even if you qualify for more, MoneyLion only lets you pull $100 at a time, so getting $1,000 would take 10 separate draws—and 10 sets of fees.
  • Unstable amounts: Several users report sudden drops (e.g., $250→$80 or $700→$400), often after declining the instant-deposit fee or tip.
  • Stacked fees: Reviews cite $3.99–$11 per draw plus constant tip prompts, making those multiple $100 withdrawals pricey.
App reviews talking about Loan Amounts:
"...they would up my cash advance every time I paid back then one month they drop it to 25 after I paid on time..."
"I like how you can get a cash advance for a quite small fee if you're willing to wait a day or two, and the amount increases over time..."
"...if you in a jam, use them. they help improve your credit score and with their new system you get a little interest off the money you borrow..."

How to get a bigger cash advance on MoneyLion?

Start small, pay on time, repeat. Reviews show folks who began with $10–$25 Instacash climbed to $150-$250 after a handful of spotless repayments, while one user watched a $250 limit drop to $80 when the system flagged a payment issue.

Keep money flowing through MoneyLion. The app nudges you to send your paycheck to a RoarMoney account, and users who switched direct deposit report their advance jumping far faster than gig-workers or people who disconnect a bank.

Use the Boost button before you cash out. Community boosts stack a few extra dollars onto your Instacash for that pay-period and don’t cost anything at pay-back, making them the quickest way to stretch the limit without extra fees.

Need a cash advance?