# MoneyLion: Banking & Cash Back — Cashback rewards & Loan Offers > Mobile banking, cash advances, cashback rewards, and personal loan offers. (iPhone/iPad app by MoneyLion.) - Source: https://appshunter.io/ios/app/moneylion-banking-and-cash-back/id1064677082 (this page in markdown: same URL + `.md`) - Developer: [MoneyLion](https://appshunter.io/developer/1064677081) - Category: Finance, Productivity - Price: Free - Rating: 4.80/5 from 323,665 App Store ratings · 1,657 written reviews indexed - Age rating: 17+ - Requires: iOS 15.1 · 239 MB - Languages: American English - Released: 2015-12-17 - Data updated: 2026-08-28 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/moneylion-banking-and-cash-back/id1064677082/reviews.md ## What is MoneyLion? Make better money decisions with MoneyLion. Access mobile banking, personal finance resources, personal loans, fast cash advances, & cashback rewards for extra money when you need it. BANKING WITH MONEYLION SPEND - GET PAID EARLY (UP TO 2 DAYS)² Fast forward to payday with MoneyLion Spend direct deposit. Open a MoneyLion Spend banking account and invest your extra cash with Round Ups³. Unlock cash advances up to $1000¹ with qualifying recurring direct deposits. CASHBACK & REWARDS- MONEYLION WOW⁷ Get your cash back and even earn rewards on big financial decisions or everyday spending. Access exclusive benefits like cell phone insurance, travel protection, and more. CASH ADVANCES UP TO $500¹ Access up to $500 of your paycheck, any day with Instacash® cash advances. Get money with no interest, no mandatory fees, & no credit check. FAST LOAN OFFERS⁵ Need to borrow money? Get personal loan offers from partners on the MoneyLion Marketplace. Compare personal loan offers, small loans, online loans, & savings accounts. CREDIT BUILDER LOAN WITH A MEMBERSHIP⁶ Credit Builder Loans up to $1,000 with no hard credit check. MoneyLion helps you earn rewards as you improve your credit health. Get alerts and report credit scores to all 3 bureaus; Equifax, Experian and TransUnion. MoneyLion is not affiliated with other money apps, loan apps, or instant cash advance apps such as Dave, SoFi, Ally, Chime, Self, Varo Bank, Possible Finance, Albert, Klover,, Earnin, Empower, Cleo, Brigit, Kikoff, Credit Sesame, Credit Karma or Credit One Bank 1 Instacash is a 0% APR cash advance service provided 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. This service has no mandatory fees. You may leave an optional tip and pay an optional Turbo Fee for expedited funds delivery. For a $40 Instacash advance with a Turbo Fee of $4.99, your repayment amount will be $44.99. Generally, your scheduled repayment date will be your next direct deposit date which can range from weekly to monthly depending on your deposit cycle. An Instacash advance is a non-recourse product, not a personal loan, and there is no mandatory minimum or maximum timeframe for repayment; you will not be eligible to request a new advance until your outstanding balance is paid. See Membership Agreement and http://help.moneylion.com for additional terms, conditions, and eligibility requirements. Increased Instacash limit requires recurring direct deposit into MoneyLion Spend account. Instacash is an optional service offered by MoneyLion. Terms and eligibility requirements apply. 2 With direct deposit. Faster access to funds is based on comparison of a paper check versus electronic Direct Deposit. 3 Round Ups is subject to terms and conditions. This optional service is offered by MoneyLion. You may be required to have certain MoneyLion accounts to use this feature. 5 MoneyLion displays personal loans in our marketplace with repayment terms from 12 months to 84 months and APR ranges from 5.99% to 35.99%. For example, if you receive a $10,000 loan with a 60-month term and a 16.21% APR, your required monthly payment would be $244.30 ($135.09 Principal + $109.21 Interest). Assuming all 60 payments are made on time, the total amount paid would be $14,657.87. All loan offers on the MoneyLion marketplace require your application and approval by the lender. Depending on the lender, other fees may apply, such as origination fees, or late payment fees. See lender’s terms and conditions for additional details. You may not qualify for the lowest rates or the highest offer amounts or may not qualify for a loan at all. 6 Credit Builder loans are made by either exempt or state-licensed subsidiaries of MoneyLion Inc. NMLS 1237506 249 W 17th St, 4th Fl, New York, NY 10011 ## Key features - 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 ## Chart rankings - #36 in Top Free · Finance (US App Store) ## What do users think of MoneyLion? Overall sentiment: negative **Pros** - 💳 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 **Cons** - 💰 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 **Commonly reported bugs** - Inconsistent account balance updates - Unreliable loan application process - Inability to remove/update linked accounts **Most requested features** - Improved customer support channels - Clearer explanation of fees and policies - Seamless integration with external bank accounts - More transparency around investment options - Ability to fully control/manage linked accounts ## Recent user reviews (10 of 1,657) All indexed reviews: https://appshunter.io/ios/app/moneylion-banking-and-cash-back/id1064677082/reviews.md ### 1/5 — Latest Update *2026-08-25, version 7.158.0* 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. ### 1/5 — Scam *2026-08-25, version 7.158.0* 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 ### 5/5 — Unbelievable *2026-08-25, version 7.158.0* 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. ### 1/5 — App blocks you from instacash *2026-08-24, version 7.158.0* 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. ### 5/5 — Love it *2026-08-24, version 7.158.0* Great ### 1/5 — Terrible app *2026-08-24, version 7.158.0* So I’ve had this out for a while and it’s got a little bit of a cash advance to it.. it seems very predatory though everything I’ve clicked on it just charged me more money. The membership fee just seems to be randomly charging me. They’re always trying to get me to tip for an advance on top of the interest. This app is a joke and a rip off beware. ### 1/5 — Credit Report *2026-08-23, version 7.157.0* Horrible, I’m report this creditor to the better business bureau ASAP. And the ATTORNEY GENERAL OFFICE OF NJ ### 5/5 — life saver *2026-08-23, version 7.157.0* Money Lion came through when most places wouldn’t give me a chance with my not so good credit score. I would recommend them to anyone and will be referring them to my friends and family. ### 5/5 — the BEST borrowing app, confirmed *2026-08-22, version 7.157.0* This app has saved my butt dozens of times. The interest is very minimal, roughly $8 for $100 and they typically give you a week or so to pay that back. Im not sure about large loans because I don’t fall into that area, but MoneyLion instacash is a national treasure. The reviews don’t lie. ### 1/5 — Do not do these *2026-08-22, version 7.157.0* This is not a good thing the tip you make us give is not right and when needed an extension they did NOT do even tho I got an email saying it was extended ! Deleting app n telling others do not do this ! ## Frequently asked questions about MoneyLion ### 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. ## Version history (last 5 releases) ### 7.158.0 — 2026-08-24 We made some behind-the-scenes fixes to keep things running smooth. ### 7.157.0 — 2026-08-10 Bug fixes? Check. Performance improvements? Check. Improved experience? You bet. ### 7.156.0 — 2026-07-27 We made some behind-the-scenes fixes to keep things running smooth. ### 7.155.0 — 2026-07-13 Bug fixes? Check. Performance improvements? Check. Improved experience? You bet. ### 7.154.0 — 2026-07-04 Bug fixes? Check. Performance improvements? Check. Improved experience? 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*