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Make better money decisions with MoneyLion.
Senior reviews editor
MoneyLion is a personal finance app that combines a spend account, cash advances, cashback and loan offers in one place. It is aimed at people who are paid on a regular schedule and sometimes need money before the next payday.
The core parts are the Spend account, the Instacash advance and the Marketplace for loan offers. Cash rewards from games and personal finance resources sit alongside them.
The build we hold is MoneyLion: Cash Advance App 7.162.0 (APKS split bundle) for Android 7.0 and up.
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Instacash lets you take up to $500 of your upcoming paycheck before payday. The listing says these advances carry no interest, no monthly fees and no credit check.
Larger pay advances, up to $1,000, are tied to recurring direct deposits. The listing says you qualify through regular direct deposits into a MoneyLion Spend account, which can also bring your pay in up to two days early.
A MoneyLion Spend account works as the place where your direct deposits land. You can open one through the app.
Round Ups rounds your everyday purchases up to the nearest dollar and invests the difference, so small amounts of spare cash go into investments without a separate transfer.
The app includes games that pay cash rewards. The listing says each game can earn up to $50.
Limited-time events can double those rewards, so the amount you earn depends on when and how much you play.
Through the MoneyLion Marketplace, the app presents personal loan offers from partner lenders. The listing says these can be borrowed quickly once you choose one.
MoneyLion also lists credit builder online loans and personal finance resources for managing money and understanding borrowing options.