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MoneyLion Instacash
MoneyLion Instacash provides eligible users with interest-free cash advances before payday, with free standard delivery or optional paid Turbo delivery.
Instacash lets eligible MoneyLion users access part of their expected income through the MoneyLion mobile app. Users link a checking account, request an available amount, and repay automatically on a scheduled date.
The service has no interest, credit check, or mandatory fee. Standard delivery is free, while Turbo delivery costs extra; optional tips are also available. Limits depend on eligibility, income deposits, account history, and other factors.
Features
- Access up to $500 in Instacash advances
- Increase limits up to $1,000 with qualifying MoneyLion Spend direct deposits
- Choose free standard delivery or paid Turbo delivery within minutes
- No interest, credit check, or mandatory fees
- Automated repayment aligned with the user's pay cycle
- Optional tips do not affect eligibility or limits
- Temporarily increase limits through promotions and Peer Boosts
Use cases
- Cover an unexpected bill before payday
- Access part of recurring income early
- Pay for emergency transportation or household expenses
- Choose free delivery when timing is flexible
- Pay a Turbo fee when funds are needed within minutes
Pros
Cons
Capabilities
- Mobile app — “Your available Instacash Advance limit will be displayed to you in the MoneyLion mobile app and may change from time to time.” source
Pricing
- Prices checked
- 2026-10-24
Instacash
- Monthly administrative fee $0
- Interest $0
- Standard delivery fee (1–5 business days) to your MoneyLion Spend account $0
- 7.5% of the Instacash Advance amount, capped at $14.99
- 9% of the Instacash Advance amount
- Optional tip $0 and up
- 0% APR cash advances
- Standard delivery to your MoneyLion Spend account
- Optional Turbo delivery in minutes
- Turbo fees vary by advance amount and disbursement account
- Available advance limit is displayed in the app and may change