# MoneyLion Membership Disclaimers > ML Marketing Disclosures Credit Builder loans have an annual p Source: https://help.moneylion.com/en_us/moneylion-membership-disclaimers-Sy1p5PKSA Last updated: 2026-06-22T18:48:34.566Z MoneyLion is a financial technology company, not a bank. MoneyLion Spend demand deposit account is provided by, and MoneyLion Debit Mastercard® is issued by, Pathward®, National Association, Member, FDIC. MoneyLion Spend 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. ¹ Credit Builder Plus membership ($19.99/mo) unlocks eligibility for Credit Builder loans and other exclusive services. 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 ML Wealth LLC’s FORM ADV. Please also refer to your Loan Agreement. Credit score improvement is not guaranteed. 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. ² Shake 'N' Bank and other Rewards are subject to terms and conditions, see [here](https://www.moneylion.com/terms-and-conditions). Rewards are an optional service offered by MoneyLion. ³ MoneyLion budgeting tools are provided for informational purposes only and and should not be construed as legal, tax, investment, financial, or other advice. MoneyLion is not a fiduciary by virtue of any person’s use of or reliance on MoneyLion budgeting tools. You should consult an appropriate professional if you require any legal, tax, investment, financial or other advice. ⁴ You will receive a rebate into your MoneyLion Spend account, for Turbo Fees paid on your first and every 10th Instacash turbo disbursement to your MoneyLion Spend account or external debit card, up to a maximum of $5 per rebate. The rebate will be credited to your MoneyLion Spend account only, within 2 business days. MoneyLion reserves the right to modify or discontinue this incentive at any time without notice. By signing up for the WOW membership, you authorize MoneyLion or its agent to deposit any rebates earned into your MoneyLion Spend account. You understand that you will forfeit your rebate if your MoneyLion Spend account is not in good standing, as determined by MoneyLion in its sole discretion, or is otherwise unable to receive the rebate ⁵ Product & Offer Cashback Rewards are subject to [terms and conditions](https://www.moneylion.com/moneylion-rewards-program-terms-and-conditions/). ⁶ WOW Members who are MoneyLion Spend account holders are eligible for certain insurance, warranty, and other protective benefits provided by SURE when using their MoneyLion Spend accounts to make qualifying purchases. Benefits are subject to terms and conditions, which may include coverage criteria, claim filing instructions, exclusions and limitations. For more information, see the [Knowledgebase](https://help.moneylion.com/categories/sure-insurance-rJWkxsuaT). This insurance is issued and managed by the Chubb Group of Insurance Companies, 202B Hall’s Mill Road, Whitehouse Station, New Jersey, 08889. Content and associated insurance products are provided by Sure HIIS Insurance Services, LLC, a licensed seller of insurance. ⁷ MoneyLion does not provide, nor does it guarantee, any third-party product, service, information, or recommendation. The third parties providing these products or services are solely responsible for them, as well as all other content on their websites. MoneyLion is not liable for any third party's failure with regard to those advertised products, services, and benefits. These advertised products may be subject to different terms of service and privacy policies than MoneyLion’s. You should check individual offers, products, and services to become familiar with any applicable restrictions or conditions that may apply. MoneyLion may receive compensation from third parties for referring you to the third party, their products or to their website. ⁸ Giveaways are subject to [terms and conditions](https://help.moneylion.com/en_us/wow-membership-giveaway-HJ5FbTVL6). ⁹ There is a $50 fee to purchase the WOW limited edition black card. ¹⁰ MoneyLion Active Investing Accounts are available at no additional cost with an active and current MoneyLion WOW Membership. View your [Membership Agreement](https://help.moneylion.com/moneylion-wow-membership-agreement-SJqtL1WDT) for full terms and conditions. Investment advisory services provided by ML Wealth LLC. Investment Accounts Are Not FDIC Insured • No Bank Guarantee • Investments May Lose Value. Investing involves risk, including potential loss of principal. For important information and disclosures relating to the MoneyLion Active Investment Account, see Investment FAQs, Form ADV Brochure, and [moneylion.com/investing](//moneylion.com/investing). ¹¹ The Bitcoin back rewards program is subject to [terms and conditions](https://help.moneylion.com/crypto-back-rewards-program-terms-for-wow-membership-BJBQwTBYT).