# What is Instacash®?

> Instacash® is the most flexible way to access a portion of your paycheck before payday without any mandatory fees or interest Instacash® is a cash advance prod

Source: https://help.moneylion.com/en_us/what-is-instacash-SJbtckQ1A

Last updated: 2026-06-23T15:29:53.516Z

Need some extra cash before payday? Instacash lets you access a portion of your paycheck **with no interest, no mandatory fees\*, and no credit check.** It’s a **cash advance, not a loan**, so no debt collectors and no reporting to credit bureaus. Just flexible cash when you need it.

  
**How Fast Can You Get It?**  
  

*   **Standard delivery:** Funds arrive in your external account **within 5 business days. (****MoneyLion Spend** **account holder?** Get it in **about 2 business days.)**
    
*   **Turbo delivery:** Need it _ASAP_? Get your cash in **minutes** for a fee. 💨
    

_(Fees may vary based on your state—we don’t make the rules, but we do follow them. 😉)_

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### **Tipping: Totally Up to You**  
  

If you want to support Instacash, you can leave a tip. Tipping helps show your appreciation for the service, but **whether or not you tip won’t affect your limit or eligibility.** It’s totally optional—No pressure, no judgment.

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#### **Learn more about Instacash®**

[What is Trial Instacash®?](https://help.moneylion.com/what-is-trial-instacash-SyJc6fAGF)  
[Qualifying for Instacash®](https://help.moneylion.com/qualifying-for-instacash-ry5JflXJC)  
[Determining Instacash® Limits](https://help.moneylion.com/determining-instacash-limits-rkIpjxXyA)  
[Instacash® Boosts](https://help.moneylion.com/instacash-boosts-Hkfq3xm1C)  
[How to request Instacash®](https://help.moneylion.com/how-to-request-instacash-rJOVvdAC)  
[Calculating Instacash® Repayment](https://help.moneylion.com/calculating-instacash-repayment-SkbzaeX1A)  
[Repaying Instacash®](https://help.moneylion.com/repaying-instacash-BkH86xQkC)  
[Deferring Instacash® Repayment](https://help.moneylion.com/deferring-instacash-repayment-SyMT6lXy0)

  

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_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._

_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_](https://www.moneylion.com/terms-and-conditions/#ml-instacash) _for more information and eligibility requirements._

_Business days are Mondays through Fridays, excluding bank holidays._

_\*Fees apply for optional_ [_Turbo delivery_](https://www.moneylion.com/pricing/#InstacashCashAdvances) _within minutes._