Instacash is an optional service offered by MoneyLion. Your available Instacash Advance limit will be displayed to you in the MoneyLion mobile app and may change from time to time. Your limit will be based on your direct deposits, account transaction history, and other factors as determined by MoneyLion. See Instacash Terms and Conditions for more information and eligibility requirements.
MoneyLion is a financial technology company, not a bank. RoarMoney℠ demand deposit account provided by, and MoneyLion Debit Mastercard® issued by, Pathward®, National Association, Member FDIC. RoarMoney is a service mark of MoneyLion. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account. *Business days are Mondays through Fridays, excluding bank holidays
MoneyLion WOW Membership unlocks access to exclusive offers and services. Membership costs $9.99/month billed monthly, $54.90 for a six-month term, and $99.99 for an annual term. Members on six-month or annual terms who cancel within the first month will receive a refund for unused months. Membership will auto-renew until canceled. Cancel anytime in the app. View your Membership Agreement for full terms and conditions. Some services may not be available in all states.
- Turbo Fees vary based on the advance amount and disbursem*nt account you choose.
- Increased Instacash limit with Safety Net requires recurring direct deposit into RoarMoney account. Instacash is an optional service offered by MoneyLion. Your available Instacash Advance limit will be displayed to you in the MoneyLion mobile app and may change from time to time. Your limit will be based on your direct deposits, account transaction history, and other factors as determined by MoneyLion. See Instacash Terms and Conditions for more information and eligibility requirements.
- There is a $1 monthly administrative fee associated with your RoarMoney Account. Please see FAQ on administrative fee for additional information. Other fees associated with the RoarMoney Account apply. See Account Agreement for more information.
- The $5 Instacash Boost will increase your Instacash advance limit for the calendar month in which it is received and can only be utilized by users with a maintained Instacash eligibility. The $5 Instacash Boost can only be used once. You may only receive one Boost from up to 5 friends per month.
- There is a $100 max disbursem*nt amount at a time. For example, if you have a $200 IC Base Limit and need $200, you will have to make 2 transfers: $100 each.
- Source: MoneyLion Instacash EWA Customer Survey, conducted in October 2023, of ~1,387 respondents. Survey results are from real Instacash users and may not reflect the typical Instacash user’s experience and not intended to represent or guarantee that anyone will achieve the same or similar results or outcomes. In exchange for their participation, survey respondents were entered into a promotion for a chance to win a cash prize.
- Reviews may be edited to correct grammar or typing errors or shortened if the entire review did not seem relevant for the general public.Reviews are from real MoneyLion users and may not reflect the typical MoneyLion user experience and not intended to represent or guarantee that anyone will achieve the same or similar results or outcomes.
- Credit Builder Plus membership ($19.99/mo) unlocks eligibility for Credit Builder Plus loans and other exclusive services. A soft credit pull will be conducted which has no impact to your credit score. Credit Builder Plus loans have an annual percentage rate (APR) ranging from 5.99% APR to 29.99% APR, are made by either exempt or state-licensed subsidiaries of MoneyLion Inc., and require a loan payment in addition to the membership payment. The Credit Builder Plus loan may, at lender’s discretion, require a portion of the loan proceeds to be deposited into a reserve account maintained by ML Wealth LLC and held by DriveWealth LLC, member SIPC and FINRA. The funds in this account will be placed into money market and/or cash sweep vehicles, and may generate interest at prevailing market rates. You will not be able to access the portion of your loan proceeds held in the credit reserve account until you have paid off your loan. If you default on your loan, your credit reserve account may be liquidated by the lender to partially or fully satisfy your outstanding indebtedness. May not be available in all states. Credit Reserve Accounts Are Not FDIC Insured • No Bank Guarantee • Investments May Lose Value. For important information and disclaimers relating to the MoneyLion Credit Reserve Account, see Investment Account FAQs and FORM ADV. Credit score improvement is not guaranteed. A soft credit pull will be conducted which has no impact to your credit score. Credit scores are independently determined by credit bureaus, and on-time payment history is only one of many factors that such bureaus consider. Your credit score may be negatively impacted by other financial decisions you make, or by activities or services you engage in with other financial services organizations. MoneyLion is not a Credit Services Organization.
- You will receive a rebate into your RoarMoney account for Turbo Fees paid on your first and every 10th Instacash turbo disbursem*nt to your RoarMoney account or external checking account, up to a maximum of $5 per rebate. The rebate will be credited to your RoarMoney account only, within 2 business days. MoneyLion reserves the right to modify or discontinue this incentive at any time without notice. By signing up for the WOW membership, you authorize MoneyLion or its agent to deposit any rebates earned into your RoarMoney account. You understand that you will forfeit your rebate if your RoarMoney account is not in good standing, as determined by MoneyLion in its sole discretion, or is otherwise unable to receive the rebate.
