Cash Advance Apps

How does MoneyLion cash advance work?

How does MoneyLion cash advance work?

By Editorial Team
Last Updated: Apr 03, 2025

MoneyLion is a cash advance app that lets you access up to $1,000 through their Instacash feature. They offer 0% interest advances with no mandatory fees or credit checks. You download the app, sign up, link your bank account, and request an advance. You can receive your money instantly by paying a small Turbo Fee, or choose standard delivery to get funds in a few days at no cost. Repayment is scheduled automatically, typically aligning with your next direct deposit.

How to get a MoneyLion cash advance: step-by-step

Download MoneyLion on your phone and follow these steps:

  1. Sign up: Create an account or log in if you already have one.
  2. Link bank account: Connect the bank account where you receive your paycheck.
  3. Verify identity: Confirm your identity and eligibility, which may require a photo ID and income details.
  4. Access Instacash: Open the app and tap on "Instacash."
  5. Request advance: Select the amount you need (up to $1,000) and choose your repayment date.
  6. Select delivery: Pick your delivery method—standard (free) or expedited (may include a fee).
  7. Confirm: Review your request and confirm to receive your cash advance.

Table of contents

How to get a MoneyLion cash advance: step-by-stepAdvance amounts, fees and repayment termsHow long does MoneyLion cash advance take?What do MoneyLion users say about funding speed?

Advance amounts, fees and repayment terms

Advance amounts
$10 - $1,000
Monthly fee
Free
Time to get cash
1-5 business days
Expedite fee
$0.49-$6.99 for RoarMoney, $1.99-$8.99 for External Account
Time to get cash with express fee
Minutes

How long does MoneyLion cash advance take?

You can receive your cash advance for free with standard delivery, which takes 1–2 business days if you're using a RoarMoney account, or 2–5 business days for an external checking account.

If you need the money sooner, you can opt for Turbo delivery to get your funds in minutes. The Turbo fee depends on the amount and where it's sent. For transfers to a RoarMoney account, fees range from $0.49 to $6.99—for example, $1.99 for advances of $10–$25, $3.99 for $50–$65, and $6.99 for $90–$100. For transfers to an external checking account, fees range from $1.99 to $8.99.

Tipping is optional and starts at $0—you decide if and how much you want to tip.

What do MoneyLion users say about funding speed?

Out of hundreds of reviews published in February and March 2025 that we analyzed, we found 10+ recent comments mentioning funding speed. Here’s what users say about it:

  • Fast and easy: Many users praise MoneyLion for providing quick access to cash, often describing the service as "fast and very easy," "fast and reliable," and "best app if you need quick cash!"
  • Helpful in emergencies: Several users highlight how MoneyLion assisted them during unexpected expenses or emergencies, appreciating the swift access to funds when they needed it most.
  • Loan amount limitations: A few mention that while the loans are quick, the amounts start small and increase slowly, which can be frustrating for those needing larger sums.

Overall, users are pleased with MoneyLion's speedy funding, finding it a convenient solution when they need cash quickly.