# Repaying Instacash® > Instacash® repayments are processed automatically from the account of your choice making it easy to pay your balance on time When you request Instacash® you Source: https://help.moneylion.com/en_us/repaying-instacash-BkH86xQkC Last updated: 2026-06-23T15:35:19.417Z Instacash repayments are designed to be **automatic and hassle-free** ✅, ensuring your balance is paid on time without you lifting a finger. When you request Instacash, you agree to our **Automatic Debit Authorization** agreement, which allows MoneyLion to **debit your chosen payment method on the scheduled repayment date**. ### **Your Primary Repayment Account Options** Your repayment account can be: * **Your primary debit card** linked for Instacash repayment 💳 * **Your MoneyLion Spend** **account 💰** * **Your linked external bank account** used to qualify for Instacash🏦 We recommend adding **backup payment accounts** to your MoneyLion Wallet to keep repayments seamless. Making sure you have enough funds in your accounts will make the process hassle-free! ### **Repaying Instacash Early 🏃** Want to **get ahead of your payments**? You can repay Instacash early in the MoneyLion app: 1. Open the **MoneyLion app** and tap **Instacash** in the **Accounts** tab. 2. Click the **Repay** button. 3. Choose your repayment account (**external debit card or MoneyLion Spend account**). 4. Input your repayment amount (**full or partial payment**). 5. Review your repayment summary and tap **Pay** to process the transaction. ⏳ **Timing Tip:** If you’re making an early payment, initiate it **at least two business days before** your scheduled repayment date to ensure it processes on time. If your manual repayment fails, check your funds and try again—note that for security reasons, only **three (3) manual repayment attempts** are allowed within 24 hours. ### **Understanding Pending Payments ⏳** If your payment is still **pending** after a day, it’s likely due to the **payment method used**: * **Bank account payments** can take up to **five (5) business days** to clear. * **Debit card payments** generally post **on the same day**. Still waiting for your payment to post? [Give us a shout, and we’ll take a look](https://help.moneylion.com/en_us/how-do-i-contact-support-SkVGjwhkR). * * * ### **How to View or Change Your Repayment Account**  #### **To View Your Primary Repayment Account:** 1. Open the **MoneyLion App** and go to the **My Accounts** tab. 2. Tap on **Instacash** to enter the Instacash dashboard.  3. Your primary repayment method is displayed in the **Repayment method** section.  #### **To Change Your Primary Repayment Account:** 1. Tap on the **Manage** button to update your payment methods.  2. Select an existing card from your **wallet** or tap **Add new card**.  3. When adding a debit card, ensure it: * Is issued in **your name**  * Is linked to a **checking account with sufficient funds**  * Is **not a MoneyLion Debit Mastercard®** **or** **MoneyLion Spend** **virtual card**  * Is **not a prepaid card or credit card**  * Has an **expiration date at least one month away**  4. Enter your new debit card details and click **Next**.  5. Confirm your billing address and click **Next**.  Once authorized, this new debit card will be your primary payment method for all future Instacash repayments. If you wish to remove a previous debit card, you can do so at this step. 👉 [Learn more about the MoneyLion Wallet to manage your payments with ease](https://help.moneylion.com/categories/wallet-linked-accounts-ByaRkoOaa). ### * * * ### **What happens if you have insufficient funds? 😬** We try to help you **avoid unnecessary fees** by attempting a **partial repayment first**. Additional attempts will be made later until your full balance is repaid. 🔄💰 💡 **Pro Tip:** Adding a **backup payment account** can help cover your balance and prevent repayment disruptions. 🏦✅ ### **What if you miss your repayment date? 🚨** If your balance remains **unpaid** after the repayment date, you **won’t be able to request additional advances** until your previous balance (including Turbo fees) is repaid.  You can **withdraw automatic payment authorizations** at any time by: * Removing the payment method from your [**MoneyLion Wallet**](https://help.moneylion.com/categories/wallet-linked-accounts-ByaRkoOaa)  * Contacting **Customer Care** at customercare@moneylion.com or calling **1-844-224-0087** * Mailing a request to **ML Plus LLC, Attn: Customer Service, P.O. Box 1547, Sandy, UT 84091-1547** ⚠️ **Important:** Notify us **at least three (3) business days** before your scheduled repayment date to process your withdrawal request in time. ⏳✅ **Need more time to repay?** [Learn more about deferring your Instacash® repayment date](https://help.moneylion.com/deferring-instacash-repayment-SyMT6lXy0). Still have questions about repaying your Instacash? [Let us know!](https://help.moneylion.com/en_us/how-do-i-contact-support-SkVGjwhkR) * * * _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_](https://www.moneylion.com/terms-and-conditions/#ml-instacash) _for more information and eligibility requirements._ _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. 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._