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MoneyLion: Banking & Cash Back

MoneyLion: Banking & Cash Back

Cashback rewards & Loan Offers

318K ratings
1517 reviews
With Ads#36 in free Finance
📊 Productivity
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • December 17, 2015
  • July 13, 2026

Features

Developer

MoneyLion Inc
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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 318K 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

7.155.0

July 13, 2026

Bug fixes? Check. Performance improvements? Check. Improved experience? You bet.

Charts

Top Free

📉 36-1

Finance

This app dropped -1 position in Finance chart.

Last updated on July 18, 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

Great App

I am very satisfied with my MoneyLion app. It is user-friendly and has helped me get through some tight times between pay days. It also helped me find a loan quickly and we were able to get some home repairs done.
Zombie Kitty BiteZombie Kitty Bite

Instant forsure

Loveeee
MkayyymaeMkayyymae

?

?
MaydahnMaydahn

NIGHTMARE!!

This app is a total nightmare!! First of all, they don’t tell you that the funds will be added to their card. Secondly, if you want to transfer the funds to your account, it will take 2-4 BUSINESS days. I did not read anything on there that says so. Called customer service and couldn’t understand the girls accent. Horrible experience!!! Just want to pay it off and close this account!!
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Hatingapp custHatingapp cust

frustrated

so much of the content within the app is brainrot. i think my credit went down by using this app. always spamming loan offers as soon as you log in which can really hurt your wallet and credit score. avoid this waste of time and money.
swankytiger42069swankytiger42069
See 1512 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.