Cover life’s essentials and extras with Instacash℠. You can get up to $250 anytime with no commitment, no credit check, no monthly fee, and no interest.
How to apply
Let’s be real. We all have emergency expenses, and sometimes we all need extra cash for a special occasion. With Instacash, you can get money fast with no credit check. Instacash is a cash advance from MoneyLion that comes with a 0% APR interest rate — meaning, you’ll pay no interest.
After you get an Instacash advance, MoneyLion will withdraw what you borrowed from your next paycheck about 14 days later — you can find your exact due date clearly displayed in the app.
Instacash makes it easy to get the cash you need:
Instacash is a safe alternative to payday advance loans. Payday lenders are notorious for charging enormous interest rates and fees. You’re better off saving money and protecting your financial health with a cash advance through Instacash.
Instacash assigns a loan amount to each customer. The amount you’ll qualify for depends on the consistency of deposits made by your employer or other sources of income.
You can get access to between $25 and $250 in cash advances per Instacash cycle (about every two weeks) based on your income and/or the finances in your linked bank account or RoarMoney℠ account
In the beginning, $25 is the minimum amount you’ll unlock. If we detect recurring deposits in your linked external account, you’ll unlock more (at least $50 and up to $250). You can unlock the highest amount if you have a RoarMoney account with direct deposits set up.
Your eligible Instacash amount may increase or decrease over time based on your deposits detected.
You can get your cash in 48 hours for free. You can also opt into expedited delivery of your funds, for a small fee, but that is entirely optional. In this case, your money would arrive instantly for $3.99 into your RoarMoney account or $4.99 into an external account.
If you have a RoarMoney account with direct deposits, you could unlock even higher amounts of Instacash advances compared to an external account.
A RoarMoney account with direct deposits is an excellent way to unlock Instacash equal to a higher percentage of your deposit. RoarMoney is a great choice for mobile banking because it is FDIC-insured, and you always want to make sure to work with a trustworthy bank when you get your advance.
Smart Saver Spotlight
“I love and recommend this app to everyone for when they’re in a bind! Quick and easy access to money when you need it. Very handy to have when you have unexpected expenses come up. Just make sure you can afford to miss what you borrow from your next check and you should not have a problem! 🙂 Highly recommend it!”
You can get as many cash advances as you want (up to your available amount). When you get an advance, the money will be yours to enjoy right away, and you’ll see your repayment due date in the app. Your payment will be automatically collected when it’s due.
The amount you qualify for depends on the amount and consistency of deposits in your linked account and ranges from $25 to $250. The higher and more consistent your deposits are, the more Instacash you will have access to. If your deposits change, the amount of Instacash you have access to may increase or decrease accordingly.
Pro Tip: Once you’re an Instacash customer, you can potentially unlock more than $250 with Instacash boosts (special increases you can earn just by doing things like paying on time or referring a friend)!
No. Instacash is an online cash advance, and there are no required fees, credit check, or hidden stipulations. Payday loans can require a credit check, incur extremely high interest and fees, and require going to a physical location.