Cash Advance Apps
What is MoneyLion cash advance?

What is MoneyLion cash advance?

By Editorial Team
Last Updated: Nov 13, 2025

MoneyLion’s Instacash cash advance gives you 0 %-interest access to your next paycheck with no subscription fee or credit check. You can pull $10 up to about $500 to start, and limits can rise to $1,000 when you route your direct deposit to a free MoneyLion RoarMoney account or stack in-app “Boosts.” Borrow in multiple draws of up to $100 each until you hit your available limit.

Standard transfers are free—expect funds in 1–2 business days if you use RoarMoney or 2–5 days to an external bank. Need it faster? Opt for a Turbo transfer that lands the money in minutes and costs roughly $0.49 to $8.99 per $100 advanced; tipping is also optional and never affects eligibility. Repayment is automatic on your next payday, and the app will try smaller partial pulls first if your balance is low to help you avoid overdrafts.

Eligibility is straightforward: be of legal age in an eligible state, pass identity checks, and keep a checking account that’s been open at least two months, shows regular direct-deposit paychecks, and stays in the black. Keep your account in good standing—no overdue Instacash or MoneyLion debts—and you can tap, repay, and repeat whenever you need.

Does MoneyLion give cash advances?

Yes. MoneyLion’s Instacash feature lets you tap into your next paycheck interest-free. Most people start with up to $500, but routing your paycheck to a MoneyLion RoarMoney account can double the limit to $1,000. You can take multiple draws of up to $100 each until you hit your available limit.

Delivery is free if you can wait—1-2 business days to a RoarMoney account or 2-5 days to any linked bank. Need it faster? Turbo transfer drops the money to your debit card within minutes for about $0.49–$8.99 per $100. Tips are optional and never affect eligibility.

Repayment happens automatically on your next payday (you can adjust the date or repay early in the app). MoneyLion doesn’t charge interest or late fees, but you won’t get more advances until anything you owe—including optional Turbo fees or tips—is cleared.

Table of contents

Does MoneyLion give cash advances?Advance amounts, fees and repayment termsMoneyLion cash advance requirementsOther features

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

MoneyLion cash advance requirements

MoneyLion Instacash requirements:

  1. Age & state: Be at least your state’s age of majority and live in a location MoneyLion supports.
  2. ID verify: Pass MoneyLion’s identity and account-ownership checks.
  3. Bank account: Link a personal checking account that’s been open 2+ months, stays positive, and sees regular activity.
  4. Direct deposits: Show ongoing, verifiable paycheck deposits (the steadier the flow, the better your chances).
  5. Good standing: Keep no unpaid Instacash balance, overdue Turbo fees, or late Credit Builder Plus loan payments; routing your pay to a MoneyLion RoarMoney account can unlock higher limits.

MoneyLion doesn’t run hard or soft credit pulls, so approval hinges on your banking habits—not your credit score.

Other features

MoneyLion packs a few extra perks around its Instacash advances that can make borrowing (and paying it back) feel more flexible.

Boosts and higher limits

Everybody starts with up to $500, but routing your paycheck to a RoarMoney account can push the ceiling to $1,000. You can also snag small, temporary “Boosts” in-app—plus a monthly Peer Boost—that add a few extra bucks to your available limit.

Delivery options and cost

Standard deposits are free: 1–2 business days to RoarMoney or 2–5 days to any linked bank account. Need cash now? Turbo delivers to your debit card or bank within minutes for roughly $0.49–$6.99 when sending to RoarMoney or $1.99–$8.99 to an external account (based on each $5–$100 you pull). Tips are totally optional.

Easy repayment with no credit hit

MoneyLion automatically pulls the advance on your next payday and, if your balance is low, tries smaller partial debits to help dodge overdraft fees. The advance never shows up on your credit report, and there’s no hard or soft credit check to get started. Using RoarMoney can also unlock early paycheck access and round-up savings that may raise your Instacash limit over time.

Need a cash advance?