Get cash advances up to $500 with no interest.

Start making life easier with Instacash℠! Get up to $500 anytime. No interest. No monthly fee. No credit check.

cash back debit card

Unplanned expenses?
Get free access to Instacash.

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. And it’s easy to use anytime. Once you’re qualified, you can get cash in minutes in a few simple steps:


Download The MoneyLion
app and tap “Instacash”.

Link your checking account to qualify for 0% APR cash advances. No credit check.

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Tap “Request”.

When you use Instacash, the amount you receive is automatically deducted from your account on the due date as determined by your pay or other recurring deposit cycle (usually in about two weeks) — with no interest.


Select the amount you want.

Note how soon you would like the funds in your account. Choose free standard delivery or pay a small fee to get your funds almost immediately with Turbo delivery.

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Pro tip

Any kind of income or recurring deposits, including government benefits, can help you qualify. The higher and more consistent your deposits, the higher the Instacash you can unlock.

I need cash fast. How much money will I get?

In the beginning, you’ll unlock $25 or more.

If we detect recurring deposits in your linked external account, you’ll unlock at least $50 and up to $500.

Start using Credit Builder Plus to unlock up to $700 and switch your direct deposits into RoarMoney to unlock up to $1,000.

Please note, it can take about three to eight weeks to become eligible for the maximum amount of Instacash.

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nccca fill tank

full tank


Instacash received

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movie night


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Stop missing out. Start joining in.

See how it works

Get extra cash when you need it.

Frequently Asked Questions

How do I get Instacash?
  • To apply for instant cash advances up to $500, tap Instacash on the Home screen of the MoneyLion app. You’ll find out right away how much you can get. There’s no interest, no monthly fee, and no credit check! Here’s more info on qualifying.
  • It’s easier to increase your available Instacash amount by setting up direct deposits into a RoarMoney account. You’ll unlock cash advances up to $1,000 depending on your qualifying income.
  • 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.


How do I qualify for Instacash?

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.


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:

  • It’s not too new: Choose an account that’s been open for at least two months.
  • It shows income deposits: Pick the account where you regularly deposit your income/paychecks and have a history of depositing income.
  • It has a positive balance: Choose an account where you have consistently maintained a positive balance.
  • It’s active: Choose an account that you have used and continue to use regularly!

Any account that cannot be confirmed as a checking account, such as a savings or money market account, will not qualify for Instacash.


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.

Will Instacash affect my credit?

No! We don’t do any sort of credit pull or credit check during or after an Instacash request.

How much does Instacash cost?

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 (1 – 2 business days) to your RoarMoneySM account – $0
  • Regular delivery (2 – 5 business days) to your external checking account – $0

Turbo delivery (within minutes) to your external account or RoarMoneySM account – refer to the fee table below:

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.

How will my Instacash advance be repaid?

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!


How do I increase my Instacash limit?

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.

Have More Questions?

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