Cash Advance Apps
What is MoneyLion cash advance?

What is MoneyLion cash advance?

By Editorial Team
Last Updated: Aug 06, 2026

MoneyLion offers cash advances through its Instacash feature, allowing users to borrow up to $500, with some eligible for advances up to $1,000. New users may start with a trial advance as low as $10. You can choose how much to borrow and how quickly you want the funds, with options for same-day or instant delivery for a fee, or free standard delivery within 1 to 5 business days.

Repayments are automatically withdrawn based on your paycheck schedule, and you may have the option to defer payment for up to two weeks. To qualify, you need to be a U.S. resident at least 18 years old, have a checking account in your name that’s at least 60 days old with recurring direct deposits, and be in good standing with MoneyLion.

There are no fees for accessing Instacash or for standard delivery, but expedited delivery incurs a fee depending on the advance amount and destination. Some advances to MoneyLion Spend accounts or external accounts may have disbursement fees ranging from 7.5% to 9% of the advance amount. Users can also opt to tip, but it’s not required.

Does MoneyLion give cash advances?

Yes, MoneyLion offers cash advances through its Instacash feature, allowing users to borrow up to $500, with some eligible for up to $1,000. You can start with a trial advance as low as $10. Funds can be delivered the same day or within minutes with Turbo delivery, which has a fee that varies by amount and destination, or for free within 1–5 business days with standard delivery. Repayments are automatic and usually aligned with your next paycheck, with no interest or mandatory fees. You can also request to defer repayment for up to two weeks. To get higher limits, you can set up direct deposits, use a RoarMoney account, or take advantage of in-app promotions.

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
$4.99
Time to get cash with express fee
Within minutes

MoneyLion cash advance requirements

To qualify for a MoneyLion cash advance, you need to be a U.S. resident at least 18 years old and pass identity verification with matching public and bank records. You must have a checking account in your name that’s at least 60 days old, with recurring direct deposits or regular income deposits. Your MoneyLion account should be active, in good standing, and have a positive balance with usable transaction history. If you’ve taken Instacash advances before, make sure any previous advances and fees are fully repaid. Credit Builder Plus members must also stay current on their loan payments.

Other features

Besides cash advances, MoneyLion offers a few other features that can help you manage your money better.

Early Pay Access

You can get your paycheck up to 2 days early, which can be handy if you need funds before your usual payday.

Flexible Borrowing Options

The app lets you see your available Instacash limit, choose how much you want to borrow, and pick how quickly you want the money delivered. You can get funds the same day or within minutes with expedited delivery, or opt for free standard delivery in 1–5 business days.

Repayment Flexibility

Repayments are automatically withdrawn based on your paycheck schedule, but you may also be able to request a later payment date or defer repayment for up to two weeks.

Ways to Increase Your Limit

You can increase your borrowing power by setting up recurring direct deposits, using a RoarMoney account, or participating in in-app promotions. The app also offers Boosts and Peer Boosts that temporarily raise your available limit.

Budgeting Tools

MoneyLion includes budgeting and money management tools to help you keep track of your spending and stay on top of your finances.

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