Determining your Instacash limit isn’t a mystery—it’s based on real factors that help us predict your cash flow. If you've ever wondered why your limit is what it is (or how to make it higher), you're in the right place. This guide breaks down the key factors that impact your Instacash limit and what you can do to get the most out of it.

How is my Instacash limit decided? 🤔

Your Instacash limit isn’t just pulled out of thin air. It’s based on several key factors, including:

✅ How you qualify for Instacash – You gotta meet the basic requirements first.
🔄 Regular direct deposits – We need to detect at least three consistent direct deposits.
🔗 Your linked account matters – If you switch your direct deposit to RoarMoney℠, you could qualify for up to $1,000 in Instacash!¹
📈 The size of your deposits – More income, more potential Instacash®.
💳 Your account history – If you’re on top of your finances, we notice!

The better these factors look and the more you rack up, the higher your Instacash® limit could be!

You could be eligible for anywhere between $10 and $1,000¹ per request cycle, depending on your direct deposit account.

• Recurring direct deposits in an external account? Access up to $500

• Add a Credit Builder Loan with a disbursement, and you could access up to $700

• Switch your recurring direct deposits into RoarMoney? You could access up to $1,000¹

If you’re meeting income requirements but still not seeing an increase, hit us up. Our 24/7 support team is here to investigate and make sure you're getting the best MoneyLion experience. 

👉 Learn more about Instacash qualifications

Instacash Boosts Explained 🚀

Boosts are complimentary, short-term enhancements to your Instacash limit, designed to give you extra financial flexibility when you need it most. These golden opportunities come with a few key characteristics:

⏳ Might expire – Use ‘em before you lose ‘em.
🔓 May require conditions to unlock – Gotta complete certain tasks first.
📊 Can be stacked – More Boosts = more Instacash®!

You can check your active Boosts by tapping the “Manage” button in your Instacash dashboard. If you’re a Trial Instacash® customer, you can still earn Boosts—you just need to complete all Trial Instacash tasks first.

🔄 How to Earn Boosts – Boosts are awarded at MoneyLion’s discretion, but you earn Boosts by maintaining a strong deposit history, completing special promotions, or engaging with MoneyLion features.

💡 Pro Tip: Keep an eye out for limited-time Boost opportunities—they pop up when you least expect them but can seriously upgrade your Instacash limit!

👉 Learn more about Boosts

Why did my eligible Instacash limit change?

Instacash is all about predicting your deposits, but sometimes things shift. Here’s why your amount might go up (or down):

🔄 Deposit changes – If we detect differences in where, when, or how much you deposit, your limit may change.
📉 No direct deposit detected – If we can’t confirm your recurring income, your limit might drop as low as $10. It could take two to three consecutive paychecks to rebuild your Instacash amount.
💳 Switched direct deposits to RoarMoney? – Good move! We’ll automatically detect your deposits, but it may take up to three paychecks to fully adjust. Keep your old bank linked while we make the switch.

💪 Got a Credit Builder Loan? – That’s a power move. You could qualify for a limit of up to $700 instead of $500!

👉 Learn more about Instacash qualifications

Why can’t I request all of my Instacash at once?

We get it—you want all your Instacash now. But it's designed to cover small expenses and prevent overdraft fees, not bankroll a shopping spree. You can request up to $100 per advance (varies by state) and take multiple advances until you hit your total limit.

Need more? Just request another. Easy.

Got more questions? Find all the answers in our Help Center.

Instacash® is an optional service offered 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. Expedited delivery requires Turbo Fee. See Instacash Terms and Conditions for more information and eligibility requirements.

Boosts are subject to terms and conditions. Instacash® increased limit is temporary. MoneyLion determines the availability of Boosts at its discretion. Boosts will not be available if your Instacash balance is unpaid after its scheduled repayment date, you have unpaid deferred Instacash balances, or you have late or missed payments on your Credit Builder loan. Any Boosts you received while still on Trial Instacash® cannot be utilized (i.e. increase your limit) until you have completed the program.

MoneyLion is a financial technology company, not a bank. RoarMoney℠ demand deposit account is provided by, and MoneyLion Debit Mastercard® is issued by, Pathward®, National Association, Member, FDIC. RoarMoney is a service mark of MoneyLion. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account. MoneyLion is not itself a bank or a FDIC-insured institution and the FDIC's deposit insurance coverage only protects against the failure of a FDIC-insured institution. Pathward, National Association is an FDIC-insured depository institution.

Credit Builder loans have an annual percentage rate (APR) ranging from 5.99% APR to 29.99% APR, are offered by affiliates of MoneyLion and subject to approval. The Credit Builder loan may require a portion of the loan proceeds to be deposited into a Credit Reserve Account maintained by ML Wealth LLC and held in non-marginable securities by DriveWealth LLC, member SIPC and FINRA. Not available in all states.

Credit Reserve Accounts Are Not FDIC Insured • No Bank Guarantee • Investments May Lose Value. For important information and disclaimers relating to the MoneyLion Credit Reserve Account, see Investment Account FAQs and FORM ADV.   

Credit score improvement is not guaranteed. A soft credit pull will be conducted which has no impact to your credit score. Credit scores are independently determined by credit bureaus, and on-time payment history is only one of many factors that such bureaus consider. Your credit score may be negatively impacted by other financial decisions you make, or by activities or services you engage in with other financial services organizations. MoneyLion is not a Credit Services Organization.

¹Increased Instacash limit requires recurring direct deposit into RoarMoney account. Instacash is an optional service offered 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. See Instacash Terms and Conditions for more information, including eligibility requirements.