Start making life easy with InstacashSM! Get up to $500 anytime. No interest. No monthly fee. No credit check.
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 a few simple steps:
Link your qualifying checking account to access 0% APR cash advances. No credit check.
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.
Note how soon you would like the funds in your account. Choose standard delivery for no cost (which could take up to 5 business days*) or pay a fee to get your funds within minutes with an optional Turbo delivery. Fees vary depending on disbursement amount.
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.
When we detect recurring deposits in your qualifying linked external account, you’ll unlock at least $50 and up to $500. The account must have been opened for at least two months with a positive balance and active.
Become a Credit Builder Plus member for only $19.99 a month to unlock access up to $700 in Instacash. Link your RoarMoneySM account with recurring direct deposit and unlock access up to $1,000 in Instacash**.
Please note, it can take about three to eight weeks to become eligible for the maximum amount of Instacash.
To apply for 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 easy 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.
HOW TO USE INSTACASH
To unlock 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:
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 late or missed loan payments, you may not be eligible to take out Instacash advances 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! Standard delivery (which could take up to 5 business days*) for no cost or you can choose the optional Turbo delivery and get your cash within minutes. Turbo delivery fees vary. There’s no monthly fee and no interest. Any Turbo fees and tips are totally optional. Whether you choose to tip and/or pay a Turbo fee for expedited delivery does NOT impact your access to Instacash or your Instacash limit.
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, you will have a choice to leave a small optional tip in appreciation of the Instacash advance service.
Instacash repayments are automated, making it easy to pay on your scheduled repayment date and replenish your Instacash so it’s ready when you need it next! On each scheduled repayment date, the amount of Instacash you received and any related optional Tips and optional Turbo Fees will be automatically deducted from your authorized payment account or debit card. There’s no interest charged.
Here’s how automated Instacash repayments work:
Head here to learn more about Instacash repayments.
After you unlock Instacash, if we can detect qualifying recurring direct deposits in your linked checking account and can predict when your income is deposited into your account, you’ll have access to Instacash limit of up to $500. Typically, higher deposit amounts will unlock higher Instacash limits.
You can increase your Instacash limit up to a maximum of $1000** (depending on the anticipated income amount) by switching your direct deposits into a RoarMoneySM account. It’s easy to do this in the app at anytime or through your employer or other payor. Learn more on how to do so here.
Alternatively, you can sign up for a paid MoneyLion membership, which can also increase your Instacash limit up to $700.
If you are not currently eligible for our complete Instacash experience, you may be eligible for our Trial experience, which allows you to start with a minimum of $10 and unlocks higher limits by advancing through a repayment progression program. See here for more information about Trial Instacash.