Cash Advance Apps
What is MoneyLion cash advance?

What is MoneyLion cash advance?

By Editorial Team
Last Updated: Jun 13, 2025

MoneyLion is a cash advance app that lets you access up to $500 of your earned wages instantly without charging any interest or mandatory fees. If you become a RoarMoney customer and set up qualifying direct deposits, you can boost your limit up to $1,000. There are no credit checks involved, so using MoneyLion won't affect your credit score.

To get a cash advance, simply link the bank account where you receive your paycheck. You can choose instant delivery for an optional Turbo fee to get your funds within minutes, or opt for free standard delivery, which takes 1–5 business days. Repayment is automated and scheduled around your payday, and if eligible, you can defer your repayment date by up to two weeks directly in the app.

To be eligible, you need to be at least 18 years old, pass identity verification, and link a checking account that's been open for at least 60 days with regular income deposits and a positive balance. MoneyLion was founded in 2013 and is headquartered in New York.

Does MoneyLion give cash advances?

Yes, MoneyLion gives cash advances up to $500 by default, and you can increase your limit up to $1,000 by becoming a RoarMoney customer with qualifying direct deposits. There are no mandatory fees, interest charges, or credit checks required. You can choose free standard delivery, which takes 1–2 business days to a RoarMoney account or 2–5 business days to an external checking account. If you need the money right away, you can opt for Turbo delivery, which gets you the funds within minutes for a fee ranging from $0.49 to $8.99, depending on the amount and where the money is deposited. Repayments are automatic and scheduled around your payday, but you can defer your repayment date by up to two weeks if needed.

Table of contents

Does MoneyLion give cash advances?Advance amounts, fees and repayment termsHow to qualify for MoneyLion cash advance?Other features

Advance amounts, fees and repayment terms

Advance amounts
$10 - $1,000
Monthly fee
Free
Time to get cash
1-2 business days to RoarMoney account, 2-5 business days to external checking account
Expedite fee
$0.49–$8.99, depends on amount and account type
Time to get cash with express fee
Minutes

How to qualify for MoneyLion cash advance?

To qualify, you must meet the following criteria:

  1. Age and Residency: Be at least 18 years old and meet residency requirements.
  2. Identity Verification: Pass MoneyLion's identity verification checks.
  3. Checking Account: Link a checking account that has been open for at least 60 days, is registered in your name, is actively used, maintains a positive balance, and receives regular income deposits. Note that savings and money market accounts do not qualify.
  4. Regular Income: Have at least three recurring direct deposits from the same employer or income source on a consistent schedule (weekly, biweekly, semi-monthly, or monthly). Qualifying deposits include payroll paychecks, government benefits, pension payments, or income from independent contracting.
  5. Good Standing: Be a MoneyLion user in good standing, meaning all previous Instacash advances and associated fees have been repaid, and there are no late or missed loan payments if you're a Credit Builder Plus member.
  6. No Credit Check: No credit check is required, so your credit score does not affect your eligibility.

MoneyLion will determine your cash advance limit based on factors like your direct deposits and transaction history, and it may change over time.

Other features

On top of the cash advances that MoneyLion offers, there are a few other features that you might find useful.

RoarMoney Account

MoneyLion's RoarMoney account comes with some handy perks. You can get your paycheck up to two days early with direct deposit, and you can automatically invest your spare change from purchases with the Round Ups feature. Plus, setting up qualifying recurring deposits can increase your Instacash limit up to $1,000.

Credit Builder Loan

If you're looking to improve your credit score, MoneyLion offers a Credit Builder Loan of up to $1,000. This can help you build credit over time as you make on-time payments.

Cashback and Rewards

With MoneyLion, you can earn cashback on your everyday spending and even on big financial decisions. There's also MoneyLion Games, where you can play games and earn real money, with opportunities to earn up to $50 cashback per game.