Positive

3%

Negative

97%

Many users complain about the difficulty of canceling their subscriptions and deleting their accounts with MoneyLion. They report being charged even after attempting to cancel, with some mentioning unauthorized charges and a lack of response from customer service. The process to cancel seems cumbersome, often requiring prolonged interactions with customer support, which many find unhelpful or unresponsive. Users express frustration over feeling trapped by a service they no longer wish to use, and some even describe the app as a scam due to these issues.

App reviews talking about Subscription Cancellation:

"...once trying to remove any kind of information or deleting the app they will ignore your request."

"I tried to cancel about 3 times and it always says to wait"

"...they will not let you cancel the membership without a fight first."

Positive

3%

Negative

97%

Many users express serious concerns about MoneyLion's security and privacy practices. A recurring issue is the difficulty in deleting accounts and personal information, with some users alleging that the app retains sensitive data like Social Security Numbers even after account closure attempts. There are numerous reports of unauthorized access and fraudulent activities, including identity theft and unauthorized transactions, which users claim are not adequately addressed by customer support. Additionally, several reviews mention that personal information is shared with third parties, leading to spam and scam communications. Overall, the sentiment is overwhelmingly negative, with users warning others to avoid the app due to these security and privacy issues.

App reviews talking about Security & Privacy:

"...they KEEP a hold of your Social Security number even after not wanting to use their app..."

"...someone can steal your social security number and information and open an account with moneylion..."

"...this company sell your data in the dark web and if you try to delete your account they violate a bunch of federal laws..."

Positive

6%

Negative

94%

Many users express frustration with MoneyLion's advertising, describing it as misleading and deceptive. A common complaint is the promise of instant cash advances, which often results in delays or redirects to other lenders. Users also report being misled by loan offers, where the advertised amounts are not fully accessible, and high fees are not clearly disclosed. The app's promotional games and rewards are criticized for not delivering promised payouts, and the aggressive push for tips is seen as dishonest. Overall, the sentiment is negative, with users feeling misled by the app's claims.

App reviews talking about Advertising Accuracy:

"...it says you get the money instantly or within a few minutes...You're a lying app developer."

"...advertising a feature so heavily but not actually allowing qualified users to use it feels very misleading."

"...MoneyLion’s 'Approved for $1000' offer is extremely misleading. You’re led to believe you’re getting a loan close to $1000 in usable cash, but in reality only a small portion...is available upfront..."

Positive

16%

Negative

84%

Customer support is reported to be a major pain point for MoneyLion users. Many reviews highlight the difficulty in reaching a human representative, with complaints about long wait times, unresponsive chat features, and unhelpful or scripted responses. Users express frustration over unresolved issues, such as account verification problems, unauthorized charges, and difficulties in closing accounts. The sentiment is overwhelmingly negative, with numerous users feeling ignored or misled by the support team. Despite a few positive mentions, the overall experience with customer support seems to be lacking, leaving many users dissatisfied and considering alternative services.

App reviews talking about Customer Support:

"...getting in touch with customer service has been IMPOSSIBLE..."

"...customer support is unreliable, sadly."

"...customer service is no existent. your money isnt safe with these con artist."

Positive

10%

Negative

90%

Many users complain about the MoneyLion app's stability, highlighting frequent glitches, slow performance, and unresponsiveness. The app often freezes, takes a long time to load, and sometimes doesn't function at all, making it difficult for users to access their accounts or perform transactions. Despite attempts to reinstall or update the app, these issues persist, leading to frustration and inconvenience. Users also report problems with logging in, accessing customer support, and completing basic tasks, which has led some to consider switching to other financial services.

App reviews talking about App Stability:

"...the app is EXTREMELY slow and.the money they say you can borrow doesn't ever actually happen..."

"I love this app, however today it is not working at all..."

"...the app has become significantly slower to load than it ever has..."

Positive

17%

Negative

83%

Many users complain about MoneyLion's bank compatibility issues, expressing frustration with the app's inability to connect with their banks or debit cards. Several reviews mention repeated errors when trying to link accounts, with some users unable to connect their banks at all. Others report that even when connections are made, the app fails to recognize deposits or allow transactions. There are also complaints about the app's reliance on Plaid, which doesn't support all banks, leaving some users unable to use the app's features. Overall, the sentiment is negative, with users feeling that the app's bank compatibility issues make it unreliable and frustrating to use.

App reviews talking about Bank Compatibility:

"...tried linking my bank account like 10 times. I share my data & it just return to the hone page of the app..."

"...doesn't have my bank, so it's useless for me..."

"...the app always rebuffed after I connect my bank..."

Positive

16%

Negative

84%

Many users express frustration with MoneyLion's subscription model, highlighting unexpected charges and difficulties in canceling memberships. Several reviews mention being automatically enrolled in a $19.99 monthly subscription without clear consent, and facing challenges when trying to cancel it. Users report that the subscription fees are not clearly disclosed upfront, leading to unexpected costs. Additionally, some users feel trapped by the subscription, as they are unable to cancel until certain conditions are met, such as paying off a loan. The sentiment is overwhelmingly negative, with users feeling misled and financially burdened by the subscription model.

App reviews talking about Subscription Model:

"...charged the monthly subscription fee without initiating it..."

"I have been getting charged 10$ a months the past 5 months..."

"...automatically signed up for a 19.99 membership..."

Positive

24%

Negative

76%

Many users complain about MoneyLion's balance reporting, highlighting issues with inaccurate or delayed balance updates. Several users report that the app often fails to load their available balance, causing frustration and mistrust. There are also mentions of discrepancies between displayed and actual balances, leading to confusion and dissatisfaction. Customer service is frequently criticized for being unhelpful and slow to resolve these issues, leaving users feeling unsupported.

App reviews talking about Balance Reporting:

"...most of the time I cant even get it to load to show my available balance..."

"Worst lagging I've ever seen on any app. can't even check to see how much I owe..."

"...not being able to check my balance or move my money when I want to..."

Positive

23%

Negative

77%

Many users express frustration with MoneyLion's fees and costs, describing them as excessive and often unexpected. A common complaint is the app's practice of breaking down cash advances into smaller increments, each incurring a separate fee, which can quickly add up. Additionally, the app frequently prompts users to leave a tip, sometimes automatically adding it unless manually removed, which many find misleading and predatory. Some users also report being charged for memberships or services they did not knowingly sign up for, and difficulties in canceling these charges. Overall, the sentiment is negative, with users feeling that the app's fee structure is not transparent and often results in higher costs than anticipated.

App reviews talking about Fees & Costs:

"...it will add a tip without you knowing. It asks if you want to add a tip three times..."

"...they charge too much to borrow your own money..."

"...they will qualify you for a certain amount let’s say $400 but make it to where you can take the money only up to $100 a withdraw with additional fees each withdrawal..."

Positive

24%

Negative

76%

Many users express frustration with MoneyLion's approval process, particularly when it comes to verifying identity and accessing cash advances. Despite meeting the app's requirements, users frequently report being unable to verify their identity or access the advertised 'instacash' feature. This has led to a sentiment of distrust, with some users labeling the app as a scam due to the lack of transparency and support. The approval process is often described as cumbersome, with repeated requests for personal information and unhelpful customer service responses. Overall, the sentiment is overwhelmingly negative, with users feeling misled and dissatisfied.

App reviews talking about Approval Process:

"...never was able to verify my identity for instacash waited and waited for responses with support..."

"...verified my identity, met the requirements listed, and still cannot access it..."

"...can't verify my ID but every other program can..."

Positive

35%

Negative

65%

Many users express frustration with MoneyLion's repayment terms, highlighting issues such as unexpected early withdrawals, inflexible repayment schedules, and poor customer service. Several reviews mention that payments are taken before the agreed date, leading to overdraft fees and financial strain. Users also report difficulties in adjusting repayment dates to align with their paydays, and some feel trapped in a cycle of debt due to the app's practices. Despite these concerns, a few users appreciate the app's flexibility in extending repayment dates when needed. Overall, the sentiment is largely negative, with many users feeling misled and unsupported.

App reviews talking about Repayment Terms:

"...unexpected payment withdrawals, had difficulty changing or canceling my builder loan..."

"...they charged me at 12am on my paycheck day when i don’t get it until late afternoon..."

"...48 hours to pay back instacash is ethically and I suspect LEGALLY wrong!..."

Positive

58%

Negative

42%

Opinions are mixed when it comes to the loan amounts offered by MoneyLion. Many users express frustration over the small initial loan amounts, often starting as low as $10 or $25, which they find insufficient for their needs. Some users report that their loan limits have decreased unexpectedly, while others mention that the app allows only $100 increments, leading to multiple transactions and additional fees. On the positive side, some users appreciate the gradual increase in loan limits after successful repayments and find the app helpful in emergencies. However, the overall sentiment leans towards dissatisfaction with the loan amounts and the associated fees.

App reviews talking about Loan Amounts:

"...only lets you pull 100 bucks at a time then they tack on fees..."

"I make 10k a month and get offered only $10 insta cash..."

"...advance amount too low - $10 barely buys enough gas to get to work..."

Positive

60%

Negative

40%

Opinions are mixed when it comes to the funding speed of MoneyLion's cash advance service. Some users praise the app for providing quick and reliable access to funds, often highlighting how it has helped them in emergencies. However, others express frustration over delays, with some reporting that funds took several days to arrive despite promises of instant access. There are also complaints about the app's requirement to pay fees for faster transfers, which some users find misleading or excessive. Overall, while many appreciate the convenience, others feel let down by the inconsistent speed of fund delivery.

App reviews talking about Funding Speed:

"...it takes forever for you to get cash advance..."

"I never received my instacash and I requested it over a week ago..."

"...it says you get the money instantly or within a few minutes..."

Positive

61%

Negative

39%

Opinions on MoneyLion's auto advance feature are mixed. Some users appreciate the convenience and financial support it provides, especially during tight situations, and praise the app for its educational and financial management tools. However, others express frustration with unexpected auto payments and issues with accessing funds, which can lead to financial difficulties. There are also complaints about the app's customer service and the complexity of managing auto payments, which some users find predatory.

App reviews talking about Auto Advances:

"...a loan I had through them was autopayed by their system up to 4 days early without consent..."

"...added a check needed to keep the lights on and 511 of it got immediately used without even hitting my account for a repayment..."

"...I am concerned that if a payment is missed, funds are automatically withdrawn from the MoneyLion account..."

Positive

79%

Negative

21%

Users praise MoneyLion for its ease of use, with many highlighting the app's user-friendly interface and straightforward navigation. The app is often described as convenient and efficient, making it easy to access cash advances and manage finances. However, a few users find the app's interface cluttered and confusing, which can make navigation challenging at times. Overall, the sentiment is positive, with many users appreciating the app's simplicity and reliability.

App reviews talking about Ease of Use:

"...easy to use and the games are fun..."

"Easy and reliable cash advances"

"...easy to apply and gets cash advance quick..."

Positive

97%

Negative

3%

Users praise MoneyLion for its comprehensive financial education resources, which include budgeting tools, educational articles, and interactive quizzes. Many appreciate the app's ability to help improve credit scores, with some reporting significant increases. The app is also noted for its engaging and fun approach to financial literacy, offering games and quizzes that not only educate but also provide opportunities to win money. Overall, users find MoneyLion to be a valuable tool for managing finances and building credit.

App reviews talking about Financial Education:

"...best free financial education resources you’ll find..."

"The app has so many resources to help with budgeting, saving, educational articles..."

"...moneyLion has taught me valuable lesson on financial information."

Positive

100%

Negative

0%

Users praise MoneyLion for its effective budgeting tools, highlighting its ability to help manage finances and track spending effortlessly. Many appreciate the app's comprehensive features, such as educational resources, quizzes, and interactive elements that make budgeting engaging and informative. The app is often described as a one-stop solution for financial management, offering everything from cash advances to credit-building tools. Users find it easy to use and commend its role in improving their financial habits and credit scores. Overall, the sentiment is overwhelmingly positive, with users recommending it for its practicality and user-friendly design.

App reviews talking about Budgeting Tools:

"...love how they help me manage my money and credit..."

"Amazing and easy to use. Helped me keep track of my spending very conveniently..."

"...this app is amazing 🤩🤩🤩 I love how it tracks my spending for me and helps me budget my money!"

MoneyLion user reviews

On this page

Table of contents

Users say

What users like most

Common complaints

Summary by feature

MoneyLion customer service

Other apps like MoneyLion

On this page

Table of contents