MoneyLion review

MoneyLion Instacash advances up to $500 with no interest, no credit check and no monthly fee. Your available amount appears right away when you tap Instacash in the app. The free route is standard delivery to a MoneyLion Spend account, which takes 1 to 2 business days and costs $0. If you need the money in minutes, Turbo delivery costs 7.5% of the advance to MoneyLion Spend, capped at $14.99, or 9% to an external debit card or eligible external checking account. Standard delivery to an outside bank is not offered, so the free option effectively requires a MoneyLion Spend account. Setting up qualifying recurring direct deposits into that account raises the limit to as much as $1,000. Repayment, including any optional tips and Turbo fees, is taken automatically on your scheduled date. MoneyLion states that choosing to tip or pay for Turbo does not change your eligibility, access or limit.

Who it is for

people willing to bank with the app for a higher limit

Price

Instacash has no monthly fee; standard delivery to MoneyLion Spend is $0; optional Turbo delivery 7.5% of the advance, capped at $14.99.

There is no monthly fee and no interest.
Quoted from the vendor pricing page on November 13, 2026.

Key features

• Instacash advances up to $500 with no interest and no credit check
• Limit rises up to $1,000 with qualifying recurring direct deposits into a MoneyLion Spend account
• Standard delivery to MoneyLion Spend in 1 to 2 business days for $0
• Optional Turbo delivery in minutes for 7.5% of the advance, capped at $14.99
• Repayment is deducted automatically on your scheduled repayment date

Strengths and weaknesses

• Strength: No monthly fee to use Instacash
• Strength: MoneyLion says tips and Turbo fees do not affect eligibility or limits
• Strength: One of two apps here with a stated path to $1,000
• Weakness: Standard delivery to an external checking account is not available
• Weakness: Turbo delivery to an external debit card costs 9% of the advance
• Weakness: The $1,000 limit requires moving your paycheck to MoneyLion Spend

Key facts

• Instacash limit: Up to $500, up to $1,000 with direct deposit
• Monthly fee: None
• Instant delivery: 7.5% of the advance, capped at $14.99
• Credit check: No

Where it ranks

MoneyLion is No. 2 in our Best Paycheck Advance Apps verdict.