Here’s How to Get up to $250 in Cash When You Need it — at 0% APR

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When you need cash — and you need it fast — there are only so many legal ways to get it. While waiting for payday, you could sell your stuff or ask a friend or family member for help.

But you don’t want to part with your TV; you don’t need the guilt from your loved ones — and you definitely don’t need to pay up to 400% APR1 (no, we didn’t make up that number) on a payday loan.

But with the mobile banking app MoneyLion, you could get that cash in minutes — at 0% APR. Yep, interest-free. It’s called Instacash, and it could get you up to $250 any time you need it. No interest. No monthly fees. No credit check.

Here’s How to Get Cash Without Jumping Through Hoops

With Instacash, you could already have cash in hand by the time you finish reading this. The Instacash feature really does live up to its name.

Whether you need to pay a bill or you just find yourself a bit short on money, Instacash can help you in a pinch. Once you set up your account and link it with a qualifying bank account, you’ll have access to receive up to $250 in Instacash advances in just minutes. Even better, there’s zero interest.

Here’s how it works:

  1. Download the MoneyLion app and tap “Instacash.”
  2. Link a primary checking account.
  3. Request an Instacash amount up to $250.

There won’t be a credit check or any required fees charged to your account; you’ll just get the cash — no strings attached.

Then, with your authorization, when your next direct deposit comes in, MoneyLion will automatically process your repayment. You don’t even have to stress about it.

Signing up for Instacash is easy. Get started here to get access to cash with 0% APR.

Kari Faber is a staff writer at The Penny Hoarder.

This material is for informational purposes only and should not be construed as financial, legal, or tax advice. You should consult your own financial, legal, and tax advisors before engaging in any transaction. Information, including hypothetical projections of finances, may not take into account taxes, commissions, or other factors which may significantly affect potential outcomes. This material should not be considered an offer or recommendation to buy or sell a security. While information and sources are believed to be accurate, MoneyLion does not guarantee the accuracy or completeness of any information or source provided herein and is under no obligation to update this information. For more information about MoneyLion, please visit

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 Membership Agreement and for additional terms, conditions and eligibility requirements.

1 Consumer Financial Protection Bureau 2017.