Cash Advance Apps

How much does MoneyLion let you borrow?

How much does MoneyLion let you borrow?

By Editorial Team
Last Updated: Apr 03, 2025

MoneyLion offers cash advances through their Instacash® service, allowing you to borrow up to $500 with no interest or credit check. If you open a RoarMoney℠ account and set up qualifying direct deposits, you can boost your Instacash limit up to $1,000. The exact amount you can access depends on your eligibility, which is based on your transaction history and the direct deposits in your linked checking account.

To determine your eligibility, MoneyLion looks for an active checking account that's been open for at least 60 days and receives regular direct deposits from eligible sources like payroll income or government benefits. They require at least three recurring direct deposits from the same employer or payer. Keeping a positive account balance and repaying any previous Instacash advances on time can also impact how much you can borrow.

Table of contents

Does MoneyLion actually send you $1,000?How to get a bigger cash advance on MoneyLion?

Does MoneyLion actually send you $1,000?

Based on several user reviews we analyzed, it seems that getting the $1,000 maximum cash advance advertised by MoneyLion might be quite challenging for the average customer. Our data is drawn from reviews published in March 2025, providing the latest insights into MoneyLion’s current practices. The general consensus is that:

  • Quick cash access: Some users appreciate the ability to get quick cash when needed, with flexibility in withdrawal amounts.
  • Lower amounts than advertised: At least three users report receiving advances between $75 to over $150—far less than the $1,000 maximum.
  • Limited loan increases: Users mention that loan amounts don't significantly increase even after multiple repayments, and any late payment resets progress.
  • Confusing payout structure: One reviewer noted that after being promised $1,000, they only received $75 upfront, with the rest held until the loan is paid off.

While MoneyLion offers a convenient way to access funds quickly, it appears that getting the full $1,000 cash advance might not be as straightforward as advertised. If you're hoping for a large advance, proceed with realistic expectations—you might receive a smaller amount initially.

App reviews talking about Loan Amounts:
"...they have assumed that certain deposits made to my account are payroll deposits and adjusted the amount that I could withdraw..."
"Amount low, but offered higher offer than DAVE..."
"...it's a good app when u need some quick cash but the loans never really go up u have to get like 5 loans and it'll go up like 20 bucks..."

How to get a bigger cash advance on MoneyLion?

Many MoneyLion users appreciate the Instacash feature for quick cash advances when needed. However, some have found it challenging to increase their cash advance limits and are concerned about fees for multiple withdrawals.

To get a bigger cash advance on MoneyLion, maintaining a good repayment history is important. Consistently repaying your advances on time and having regular income deposits into your linked account can help you qualify for higher amounts.

Be mindful of the fees associated with each transaction, as some users wish they could make one larger withdrawal to avoid multiple fees. Planning your withdrawals and managing your account activity may help in maximizing your cash advance potential.