Get Cash Advances With No Interest

• It’s easier to increase your available Instacash amount by setting up direct deposits into a RoarMoney account. You’ll unlock cash advances equal to 30% of your direct deposit amount per pay period or benefit check. So if you deposit $600, you’re eligible for $180 in Instacash.
  HOW TO USE INSTACASH
• Open the app, go to the Finances tab.
• Tap the Instacash button at the top.
• Tap the Request button
• Select the amount you want, and how soon you would like the funds transferred to your account.
• When you use Instacash, the amount you borrowed is automatically deducted from your account on the due date as determined by your pay cycle – with no interest. You can take another Instacash once you repay your last Instacash as long as you maintain your eligibility.

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:

• Enter your info as it appears on your bank account. We’ll check the info you enter against the details we receive from your linked bank to make sure they match.
• Make sure your info matches your public records. We’ll also check the info you enter against electronic public records. If you suspect that your public records are incorrect, contact us and we may be able to manually verify your identity.

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:

• Regular delivery (12 – 48 hours) to your RoarMoney account – $0
• Regular delivery (3 – 5 business days) to your external checking account – $0
• Turbo (instant) delivery to your RoarMoney account – $3.99**
• Turbo (instant) delivery to an external checking account or debit card – $4.99**

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:

• If you have a RoarMoney account, we’ll automatically deduct your repayment once your Instacash is due. If there is not enough balance in your account, we will deduct a partial repayment and try again the next day, until the Instacash is fully repaid.
• If you do not have a RoarMoney account, or if your RoarMoney account doesn’t have funds to cover what you owe, we will use the alternate debit card you designated for Instacash repayments. If there is not enough in your balance, we will try later when you have a balance or a deposit is expected.

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:

• Your Instacash limit will be 30% of your recurring direct deposit amount per pay cycle.
• For example, if you are paid bi-weekly and directly deposit $600 per paycheck into your MoneyLion bank account, your Instacash limit will be $180 per pay period.
• If we cannot determine if the direct deposit in your MoneyLion account is regularly recurring (i.e with a standard pay frequency of either weekly, bi-weekly, semi-monthly or monthly) you’ll have access to a lower amount but not less than $50.

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.