Cash advances, credit building, and financial tools — all in one app.
🦁 What Is MoneyLion?
MoneyLion is an all-in-one financial app that combines cash advances (up to $500), credit building, managed investing, and banking tools. Think of it as a financial Swiss Army knife for people who need flexible money options.
Category: Cash Advance, Credit Building & Investing
🎁 Sign-Up Bonus
Get up to $250 in bonus rewards when you sign up and complete qualifying activities (promotions vary)
✅ Why DealDinger Recommends It
Instacash advances up to $500
Get up to $500 instantly with no interest, no credit checks, and no mandatory fees. Pay it back when you get paid.
Credit Builder Plus
Build credit with a Credit Builder loan that reports to all three major credit bureaus. No hard credit check required.
Managed investing
MoneyLion offers automated investing portfolios — just set your risk level and let it grow.
Cashback rewards
Earn cash back when you shop with MoneyLion partners.
Financial tracking
Link all your accounts and get a full financial dashboard — credit score monitoring, spending insights, and more.
RoarMoney account
No-fee checking account with early direct deposit, 0% APR cash advances, and fee-free ATMs.
🎯 Perfect For
- People who need fast cash before payday
- Credit builders with low or no credit history
- Anyone who wants an all-in-one financial app
- Side hustlers who need flexible liquidity
- Beginners looking for automatic investing
🔧 How to Use MoneyLion in Your Money Stack
As your emergency cash source
Need $100-$500 fast? Use Instacash to access money instantly, then pay it back on payday.
As your credit builder
Use Credit Builder Plus to establish or repair credit history while saving money.
As your investing tool
Set up automatic investing through MoneyLion’s managed portfolios — similar to Acorns but built into your cash advance app.
As your financial dashboard
Link all your accounts (Chime, credit cards, loans) and see everything in one place.
💡 Pro Tips
Upgrade to MoneyLion Plus for higher Instacash limits — Free users get lower limits. Plus members ($19.99/month) can access up to $500 instantly.
Use Credit Builder Plus consistently — Make on-time payments every month to maximize credit score improvement.
Stack Instacash with Earnin — If you need more than $500, use Earnin ($750 max) + MoneyLion Instacash ($500 max) for $1,250 total liquidity.
Link direct deposit to RoarMoney — Early direct deposit means faster access to your paycheck (up to 2 days early).
Refer friends — MoneyLion pays referral bonuses when your friends sign up and use the app.
⚠️ Things to Know
Plus membership costs $19.99/month — The free version has limited features. Plus unlocks higher Instacash limits, credit building, and investing.
Instacash isn’t free money — It’s a cash advance. MoneyLion deducts what you borrowed from your next paycheck.
Credit Builder Plus costs extra — It’s included in the Plus membership but adds to your monthly cost.
Not available in all states — MoneyLion operates in most US states, but some states have restrictions.
Watch the fees — While Instacash has “no mandatory fees,” there are optional Express fees for instant delivery and tips.
🔗 Get Started
Step 1: Sign up for MoneyLion using the DealDinger link
Step 2: Link your bank account and verify your income
Step 3: Access Instacash for emergency funds (up to $500)
Step 4: Optionally upgrade to Plus for credit building and investing
Step 5: Build credit, earn cash back, and manage your money
<aside> 🦁
DealDinger Verified: MoneyLion is solid for people who need cash advances, credit building, and basic investing in one app. The Plus membership cost adds up, though — only worth it if you use multiple features regularly.
</aside>