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Link your checking account to qualify for 0% APR cash advances in minutes. No credit check.
Request an advance in the app, get your cash in seconds, and pay it back interest free.
Get some extra cash fast — whether you need to pay a bill, avoid a late fee, fill the tank, or treat yourself to a night out! Instacash helps you handle all of life’s fun and not-so-fun surprises.
To apply for 0% APR Instacash advance, tap the Instacash button on the Home Screen. All you need to do is link your checking account to apply. It’s secure and quick. We’ll then verify your checking account and your identity so you can get cash quickly.
CHECKING ACCOUNT MINIMUM REQUIREMENTS
We’ll review your linked account to confirm that it meets or exceeds our minimum qualification requirements. You can improve your chances of qualifying by linking a checking account that meets or exceeds the following criteria when you apply:
Any account that cannot be confirmed as a checking account, such as a savings or money market account, will not qualify for Instacash.
IDENTITY VERIFICATION REQUIREMENTS:
We must be able to verify your identity and checking account ownership:
If your account doesn’t qualify, please try again when it has been open longer and/or had more consistent deposits and positive balance — or try another checking account!
Please note: If you’re a Credit Builder Plus member but you have missed membership and/or loan payments, you may not be eligible to take out Instacash until your account is in good standing.
No! We don’t do any sort of credit pull or credit check during or after an Instacash request.
You can unlock Instacash for free. There’s no monthly fee and no interest. Any delivery fees and tips are totally optional. Whether you choose to tip and which delivery method you use does NOT impact your access to Instacash.
Each time you get an Instacash advance, you can select from these disbursement options, some of which have associated costs:
Lastly, every time you take an interest-free cash advance, we request you to leave a small optional tip. These tips help us cover the high costs of keeping Instacash interest free and readily available to as many members as possible. We’re all in this together!
**Turbo Service provided by a third party, LionPay LLC.
Instacash repayments are automated, making it easy to pay on time and replenish your Instacash so it’s ready when you need it next! You will owe the amount that you borrowed plus any fee for turbo delivery (only if selected!) and any optional tip you chose to leave (thank you). There’s no interest charged.
Here’s how automated Instacash repayments work:
Make sure to keep your RoarMoney account funded to ensure quick Instacash repayments and seamless Instacash access! You can transfer funds into the account anytime right in the app.
To find out more about how you can manually repay your Instacash, please see How can I repay my Instacash manually or watch the video below!
If we can detect qualifying income in your linked checking account and predict when you’ll be able to repay your Instacash, you’ll have access to up to $200 in Instacash. Typically, higher deposit amounts will unlock higher Instacash amounts. If we can’t detect income, you’ll have access to a lower amount, with a minimum of $25.
You can raise your Instacash limit with the same amount of income by switching your direct deposits into MoneyLion bank account. With direct deposits into a MoneyLion account, you can unlock up to $250 in Instacash:
If you ever decide you want an even higher Instacash amount (who wouldn’t!) after you set up a direct deposit, you can increase the amount of your direct deposit to further raise your available Instacash limit (up to $250). It’s easy to do this in the app anytime or through your employer.