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MoneyLion: Banking & Cash Back

MoneyLion: Banking & Cash Back

Cashback rewards & Loan Offers

324K ratings
1657 reviews
With Ads#39 in free Finance
📊 Productivity
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • December 17, 2015
  • August 24, 2026

Features

Developer

MoneyLion
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MoneyLion: Banking & Cash Back screenshot #1 for iPhone
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MoneyLion: Banking & Cash Back screenshot #9 for iPhone
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📈no. 39
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About

Access mobile banking, personal finance tools, and cash advances. Earn cashback rewards and explore loan offers. Build credit with a membership and get paid up to two days early with direct deposit.

✓Mobile banking with early direct deposit
✓Cash advances up to $1000
✓Cashback rewards on spending
✓Personal loan offers from partners
✓Credit builder loans with reporting
✓Cell phone insurance and travel protection
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What users say

Summarized from real user reviews of MoneyLion. Based on 324K reviews and a 4.8/5 average, it highlights the 7 positives and 8 negatives reviewers mention most about this Finance app.

Positive things

  • 💳Variety of banking options
  • 💰Helpful for financial stability
  • 🔍Informative and educational
  • 🤝Good customer service (for some)
  • 🏆Rewards and cash-back features
  • 🔒Secure platform
  • 🕰️Early direct deposit

Negative things

  • 💰Expensive membership fees
  • 🤖Poor customer service (for others)
  • 🤔Confusing policies and hidden fees
  • 🔒Difficulty accessing/withdrawing funds
  • 🔄Inconsistent app performance
  • 🚫Accounts closed without notice
  • 🤯Frustrating verification process
  • 🤑Predatory lending practices
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+1

What's New in MoneyLion

7.158.0

August 24, 2026

We made some behind-the-scenes fixes to keep things running smooth.

Charts

Top Free

📈 39+2

Finance

This app rose +2 positions in Finance chart.

Last updated on August 28, 2026.

Events

Read more about Money Master Challenge
Event EndedChallenge

Money Master Challenge

Your move! Take today's quiz

Mar 26, 2026 — Apr 11, 2026

Read More

Read more about Want to protect your money?
Event EndedMajor Update

Want to protect your money?

New identity theft tools — now part of MoneyLion

Apr 29, 2026 — May 7, 2026

Read More

Read more about Free Tax Filing
Event EndedSpecial Event

Free Tax Filing

Ready to get max refund on your taxes?

Mar 12, 2026 — Apr 6, 2026

Read More

See All

User reviews

Most RecentHighest RatedLowest Rated

Latest Update

I’ve been using MoneyLion for the past 2-3 years. It’s been great (5 stars) until this last update. I don’t like that I have to make a “MoneyLion Spend” account to have funds delivered to my account for free. I will no longer be using MoneyLion until it is reverted back to the way it was. Until then I will be looking for another app to use.
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CJA_MLCJA_ML

Scam

MoneyLion has zero intention of lending anyone money. Do not waste your time with this Scam “lending” financial company. They set up so many hoops to go through that it is impossible to get anywhere. Do not waste your time
MarcM1966MarcM1966

Unbelievable

This app can really change lives and if you don’t know about it yet then get on it now. MoneyLion the best banking and cash back app. Only one I will ever use. Thanks for always having my back MoneyLion.
A Review from an App UserA Review from an App User

App blocks you from instacash

Trying to get instacash and it loops to log in over and over. Convinced it’s intentional to block from instacash. Over the phone support had me on hold and didn’t help at all just wasted my time.
soulpoleHawksoulpoleHawk

Love it

Great
Johnny5633ohbJohnny5633ohb
See 1652 more reviews

User experience

🐞

Reported Bugs

3 issues

Inconsistent account balance updates

Bug

Unreliable loan application process

Bug

Inability to remove/update linked accounts

Bug
✨

Requested Features

5 requests

Improved customer support channels

Feature

Clearer explanation of fees and policies

Feature

Seamless integration with external bank accounts

Feature

More transparency around investment options

Feature

Ability to fully control/manage linked accounts

Feature

FAQ

What does MoneyLion do?

MoneyLion offers a suite of financial services including mobile banking with early direct deposit, cash advances up to $1000, cashback rewards, and access to personal loan offers. It also provides tools to help users build their credit.

How can I get cash advances with MoneyLion?

You can access Instacash® cash advances up to $500 of your paycheck any day with no interest, mandatory fees, or credit check. Increased Instacash limits require recurring direct deposit into a RoarMoney account.

Is MoneyLion free to use?

The app is free to download and use, offering various financial tools and services. Some features, like the Turbo Fee for expedited funds delivery on cash advances, may incur optional costs.

What are the benefits of a RoarMoney account?

A RoarMoney℠ banking account allows you to get paid up to 2 days early with direct deposit. You can also invest extra cash with Round Ups and unlock higher cash advance limits with qualifying direct deposits.

Can MoneyLion help me build my credit?

Yes, MoneyLion offers Credit Builder Loans up to $1,000 with no hard credit check. As you make payments, the app helps you earn rewards and reports your credit activity to all three major credit bureaus.