MoneyLion
Why MoneyLion is unique: When you join up for a free account and link an eligible checking account, MoneyLion will give you a 0% APR “Instacash” cash advance of up to $250. There is no need for a credit check. The MoneyLion app, on the other hand, is well worth a look because of what else it offers: a mobile banking account, an auto investing account with no management fees, and access to a credit-builder loan (with a monthly membership fee).
Tipping is optional: MoneyLion does not charge any required fees for cash advances, but you are welcome to tip for the service.
Pay for speed: MoneyLion does not charge for “normal delivery,” but you can pay for “rapid” delivery if you need money quickly. This form of transfer costs $3.99 to one of the app’s RoarMoney accounts or $4.99 to an external checking account or debit card.
Loan amounts: The amount of an advance approved by MoneyLion is determined by activity in your connected checking account. Higher deposits usually result in larger advances (the minimum is $25). The program also claims that by transferring your direct transfers to MoneyLion, you may be able to increase your Instacash limit.
