Cash Advance Apps
How much does MoneyLion let you borrow?

How much does MoneyLion let you borrow?

By Editorial Team
Last Updated: Jun 13, 2025

MoneyLion advertises that they offer cash advances up to $1,000. Initially, you can access up to $500 of your earned wages instantly. To increase your limit to $1,000, you need to become a RoarMoney customer and set up qualifying recurring direct deposits.

The maximum amount you can borrow is determined by your account activity, including factors like direct deposits and transaction history. Your limit may change over time, and you can boost it temporarily by completing actions in the app or through Peer Boosts with friends. MoneyLion doesn't require a credit check, and there are no interest charges or mandatory fees associated with their cash advances.

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?

Based on hundreds of different user reviews we analyzed, it appears unlikely for the average customer to get the $1,000 maximum amount advertised by MoneyLion. Our data is drawn from reviews published in April and May 2025, providing the latest insights into MoneyLion’s current practices. The general consensus is:

  • Rarely reaches $1,000: most users don't receive anywhere near a $1,000 advance from MoneyLion.
  • Limited withdrawals: many users report maximum advance limits between $100 and $850, but can only withdraw $100 at a time, requiring multiple transactions and fees.

While some users appreciate the app's features and have seen their advance limits increase over time, there's widespread frustration about the inability to access larger amounts in a single transaction. If you're hoping for a quick $1,000 from MoneyLion, you might need to adjust your expectations—most people here report receiving significantly less.

App reviews talking about Loan Amounts:
"...you can only do 100 dollars max. then if you want to take more than a 100 you have to do multiple transactions..."
"...you are never allowed to take more than 100 at a time, so you have to request a cash advance for 100 several times..."
"...I needed a bit of a pay day advance, MoneyLion came through, and it wasn't a measly $25 either..."

How to get a bigger cash advance on MoneyLion?

Looking to increase your cash advance limit on MoneyLion? Setting up direct deposit into your MoneyLion account might help boost the amount you can borrow.

Some users have mentioned that consistent direct deposits and using the MoneyLion debit card have led to higher advance limits. Others found that participating in the Credit Builder Plus program improved their credit score, which may also increase your borrowing power.

Maintaining a steady income and a good repayment history can contribute to getting a bigger cash advance. Keep these tips in mind to potentially unlock more funds when you need them.