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MoneyLion cash advance: what it really costs
Instacash advances with no monthly fee and 0% APR. Standard delivery is free only into a MoneyLion Spend account; to an outside bank, Turbo delivery costs 9% of the advance ($9 on $100), or 7.5% (capped at $14.99) into Spend. Tips optional.
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$100 today
$9
≈235% a year if repaid in 14 days
$100 by standard transfer
$0
≈0% a year if repaid in 14 days
| Operated by | MoneyLion (partner bank: Pathward, N.A. (MoneyLion Spend account)) |
|---|---|
| Advance limits | up to $500 |
| Monthly membership | $0 |
| Instant transfer fee | Turbo delivery, in minutes: 9% of the advance to an outside bank; 7.5%, capped at $14.99, into a MoneyLion Spend account (MoneyLion's pricing page, read 2026-10-30; until October it was $1.99–$8.99 per $100). |
| Standard transfer | Free, 1–5 business days, but only into a MoneyLion Spend account; to an outside bank, only Turbo delivery is offered |
| Tips | Optional, "$0 and up"; tips don't affect eligibility |
| Repayment | On your next payday (secondary source) |
| If a repayment fails | Not stated on the pages we could read |
| Who qualifies | A linked checking account (or MoneyLion Spend). Up to $500; up to $1,000 with recurring direct deposits into MoneyLion Spend. Limit based on your deposits and account history. |
| Banks that don't work | none stated |
| Credit check | None |
| Not offered in | no exclusions stated |
| How to cancel | No membership needed for Instacash |
| App ratings | iPhone 4.8 (328k ratings) |
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