By Editorial Team
Last Updated: Nov 13, 2025
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We went over the latest 900 MoneyLion app reviews in November so you don't have to, and summarized them to tell you what users really think! 🧐
MoneyLion holds a 4.7 lifetime rating from roughly 476k user reviews (about 279k on the App Store and 197k on Google Play). Recent feedback has cooled to 3.8, based on ratings through November 2025. Stick around to see what users like, what bugs them, and why opinions are shifting.
4.7
477K Reviews
Google Play
4.7
197K Reviews
iOS App Store
4.8
279K Reviews
On this page
Table of contents
Users say
Most people grab MoneyLion for the Instacash perk: cash really can show up in minutes, and you can repay in chunks or push the due-date if you need to. Limits start small (often $25-$100, capped at $100 per pull even if your total limit is higher) and move up to $250-ish or more for steady users. The flipside is cost: there’s a $9-$15 monthly membership, an $8-$11 instant-transfer fee on every withdrawal, plus two separate “tip” prompts that many find pushy. A few say money first lands in a RoarMoney wallet, so you’ll pay again to move it to your real checking.
Credit-builder loans exist but tie up your own cash for weeks and carry extra charges, so several reviewers call them “not worth it.” Pop-ups for Mr Beast giveaways, ads and “boost” requests crowd the screen. Glitches are common—address or ID won’t verify, the app freezes at log-in, bank links drop, games don’t track rewards—and support often routes to bots or endless holds. Cancelling or deleting an account (and stopping the monthly fee) takes multiple calls, and a handful of users report surprise withdrawals or duplicate repayments.
Bottom line: handy when you’re truly stuck and can stomach the fees, but be ready for low advance amounts, heavy upsells and spotty customer service.
👎Subscription Cancellation
👎Security & Privacy
👎App Stability
👎Advertising Accuracy
👎Tip Requests
👎Fees & Costs
👎Customer Support
👎Bank Compatibility
Approval Process
Repayment Terms
Loan Amounts
👍Funding Speed
👍Ease of Use
👍Financial Education
👍Reliability
👍Budgeting Tools
What users like most
Reliability and ease of use
Many users appreciate the app's reliability and find it easy to use, especially for quick cash advances and managing finances.
Financial education and credit building
The app is praised for its financial education tools and credit-building features, which help users improve their financial literacy and credit scores.
Convenience in emergencies
Users find the app convenient for accessing funds quickly during financial emergencies, making it a lifesaver in tight situations.
Common complaints
Customer service issues
Numerous users report poor customer service experiences, including long wait times and unhelpful responses.
Hidden fees and charges
Many users are frustrated with hidden fees, such as unexpected charges for cash advances and tips, which they find misleading.
Account and verification problems
Users frequently encounter issues with account access, verification, and difficulties in deleting accounts, leading to dissatisfaction.
Summary by feature
Positive
5%
Negative
95%
Many users complain about the difficulties in canceling their subscriptions with MoneyLion. They report being unable to delete their accounts despite multiple attempts, often being redirected to unhelpful customer service lines or chatbots. Some users mention being charged recurring fees even after trying to cancel, and express frustration over the lack of transparency and support. The sentiment is overwhelmingly negative, with users feeling trapped and scammed by a service they no longer wish to use.
App reviews talking about Subscription Cancellation:
"...they wouldn’t let me delete my account and the customer service line does not work..."
"...they refuse to delete your account even after you haven't used it..."
"...I have tried and tried and tried. They have an error message..."
MoneyLion customer service
Examining how MoneyLion replies to user complaints reveals much about their customer service philosophy. You'll see whether they actively respond to complaints and take a user-first approach, or tend to shift blame onto the users. This analysis aims to provide a comprehensive understanding of their commitment to customer satisfaction.
Roughly 26% of recent reviews are complaints, and support replies to nearly all of them (98%). While a fair share of those complaints are pretty harsh, the responses are typically helpful—only a tiny few feel dismissive or neutral. Users do get quick engagement from the team, but the steady stream of tough feedback shows there’s still work to do.
Here are the detailed metrics:
4/5
Customer Service Score
Based on recent 400 app review replies
⚠️
Complaints severity
34%
Ignore rate
2%
Negative tone
3%
Other apps like MoneyLion
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4.2
26K Reviews
Monthly fee
Free
Advance amount
$40 - $200
Eligibility
Need verified income, three-month healthy deposits, and previous Gerald advance.
Features
Cash advances to $200, Buy now pay later shopping, Mobile plan financing, In-app bill management
3.5
40K Reviews
Monthly fee
$2.47
Advance amount
$5 - $1000
Eligibility
US adults with verified income, healthy deposits pass Beem's review.
Features
Instant $1,000 advances, 5% savings wallet, Credit-builder card, AI budgeting, Up to 10% cash-back
4.7
606K Reviews
Monthly fee
$8.00
Advance amount
$10 - $400
Eligibility
Adults in eligible states with active, steady-income account qualify responsibly.
Features
Cash advances, credit-builder line of credit, revolving credit, automatic savings, credit score monitoring
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