How Can I Get a $200 Loan Instantly

By Jacinta Sherris

Whether you’ve been caught off guard by an unexpected expense or suddenly remembered the due date on a bill, you could find yourself in a situation where you’re scrambling for cash. 

It’s easy to panic and feel that your options are limited. However, it’s important to stay calm and remember that you will be able to find a solution. We’ll go over some safe, timely ways to get a $200 loan. 

If You Need $200 Today:

If you have a credit card, you may be able to withdraw $200 or use that credit line to cover your urgent expense. But if you don’t have a credit card or even enough credit to qualify for a loan, this may not be a feasible option. 

It could seem like payday loans are your only alternative. However, payday loans aren’t legal in all states. They’re also incredibly dangerous. The high APY can easily leave you in a cycle of debt, which will make your financial situation even worse. There are safer ways to access a $200 loan quickly. Take a look at some options that might be your best bet.  

Get Instacash Advances of $200

One of the most popular alternatives to payday loans is a 0% APR Instacash cash advance from MoneyLion. Unlike payday loans, Instacash is available in every state and can be accessed online or through your mobile device. Instacash lets you get up to $250 instantly deposited into your bank account for free. 

You can pay the money back when you receive your next paycheck so you won’t have to worry about falling behind on your loan. Best part? There is no credit check required to use Instacash. 

You can use Instacash by downloading the MoneyLion app and using your email address to create an account. From there you can connect your checking account to apply for Instacash and receive your cash advance in minutes.

Check to see if your bank account qualifies for Instacash

Although Instacash is compatible with most checking accounts, it works even better with a RoarMoney account. RoarMoney is an online bank account from MoneyLion that offers unique perks and benefits. RoarMoney is FDIC-insured, comes with price protection, early paycheck deposits, and free budget planning and spending tracking. 

Your eligibility for Instacash is based on factors detected in your linked checking account, primarily whether we can detect recurring direct deposits. When you have a RoarMoney account and connect your direct deposits, you’ll unlock twice the amount of Instacash compared to if that very same direct deposit is detected in your linked account!

Ask a Friend or Family Member

If you’re struggling to come up with cash quickly, consider reaching out to your immediate circle for a loan. Friends and family members are always there for us in our times of need, but things can become complicated when you’re borrowing money. There can easily be a miscommunication about the terms of repayment and issues can arise. In some scenarios, these problems can potentially damage your important relationships. 

It’s a good idea to specify in writing the loan amount, interest on the loan, when you will pay it back, as well as any other details. This will help make sure everyone is on the same page and minimize potential conflicts. 

Sell Your Items

You always have the option to sell some of your belongings to raise that extra cash. You can hold a yard sale, advertise on social media, or even use websites like and 

It’s important to keep in mind that selling your items is a time-consuming process. It will take effort on your part to find buyers and some things may not sell for weeks or months. It’s not the best option if you’re looking for cash quickly – but it is available if you want a safe way to earn some cash.

Getting Your $200 Loan 

Out of all your options, Instacash is your quickest and lowest-cost option. To get started, make sure to download the MoneyLion app and input your email address. Select Instacash from the menu of MoneyLion products, and if you qualify, you can get the cash you need deposited into your account almost instantly. 

Make sure to also explore the different ways MoneyLion can help you boost your financial health. From educational resources to automated investing – MoneyLion can transform the way you manage your finances. 

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Enjoy Instacash advances up to $250. No credit check, no monthly fee, no interest. Just cash.