MoneyLion

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

1. [R4] 5/5 · US Best app: This app has genuinely helped me pay for expenses when I didn’t have my paycheck yet. I’ve paid back each cash advance I’ve borrowed from MoneyLion for about 6 months now, started from a $25 advance and I am now up to a $275 cash advance if I need it.
2. [R12] 5/5 · US Excellent: This is the best app for cash. It’s a one stop shop. Can find apps or use the actual app when something unexpected comes up.
3. [R23] 5/5 · US So convenient: I’M SO THANKFUL! they spotted me 400$!!!
4. [R35] 5/5 · US The real deal!!!: This app does everything it’s promised and more. So many of these money lending apps that don’t deliver. This one is awesome. Very fast abs easy to understand.
5. [R75] 5/5 · US Great: Love it helps me budget
6. [R97] 5/5 · US MoneyLion member since 2025: I Love MoneyLion!! It helps me to keep track of my spending habits, my credit score, and has helped me out of tight jams when I needed money. I love the community, we get a chance to help one another out when extra funds are needed for gas and groceries. I have had a wonderful experience with MoneyLion so far and I would recommend anyone to give it a try!!
7. [R66] 4/5 · US It’s not for long term help: I use it for what it’s for, quick cash advance for when I’m in between paychecks. The “asking for tips” is annoying, and I don’t do it every time, but I understand. I did the credit builder loan two years ago and got surprised when it was over and had an extra $1000 somewhere. I like this app. If you have a steady job, but is short on cash one week, this is for you. Th
8. [R69] 5/5 · US Reliable App: This app is very helpful for people who doesn’t know much of credit score and has been very useful and informative for me & I’m still learning about how credit works and how to improve it!!
9. [R98] 5/5 · US Pooh: Love money lion it help a lot with your credit and getting your life together you must love it ❤️
10. [R101] 5/5 · US Why not? Amazing.: Just awesome. Very good credit builder and cash advance option. This is my go to and sometimes money lion saves my butt!
11. [R28] 5/5 · US Actually Pretty Solid: I’ve been using MoneyLion and it’s honestly been pretty clutch. The app is easy to figure out, everything is right there, and the cash back perks are a nice little bonus because, apparently, surviving costs money now. It’s been smooth, reliable, and way more useful than I expected.
12. [R55] 5/5 · US Easy to use: Easy to use
13. [R74] 5/5 · US Perfect APP and Program: Easy to use, user friendly and flexibility on repayment
14. [R2] 1/5 · US NIGHTMARE!!: This app is a total nightmare!! First of all, they don’t tell you that the funds will be added to their card. Secondly, if you want to transfer the funds to your account, it will take 2-4 BUSINESS days. I did not read anything on there that says so. Called customer service and couldn’t understand the girls accent. Horrible experience!!! Just want to pay it off and close this account!!
15. [R29] 1/5 · US Don’t use: This app sucks I’m trying to delete my account and I been on hold for 10 then when I went to text it juss kept saying the same thing over and over 0/10 do not use this app
16. [R38] 1/5 · US Hate it: Worst app to use. The chat team make excuses while your sitting in the chat saying your not responding after I have messages after messages. There is no number to call customer service. Just very poor customer service!!!! I won’t use this app I don’t advise anyone to use this app.
17. [R39] 1/5 · US CHAT IS USELESS: The chat option has not worked for a week and no one’s doing anything about it You ask a few questions and then they start acting like you’re not responding despite responding multiple times and they only answer what they want to answer I have each/every every screenshot “AGENTS” Marvs Josh Jacob MICHALLA Jason Paul Nicole Mykee Absolutely useless I think they are playing
18. [R11] 1/5 · US DO NOT DOWNLOAD: These people are crooks they keep taking money out of my account even after I paid back my cash advance. Stay away from this app
19. [R16] 1/5 · US Misleading: I did apply, Said i qualified for 1,000 dollar but then for some reason it was only 125 which i never received or used and wanted to charge me a monthly membership ship plus almost 34 or 43 dollars for repayment. I spoke to two different people to explain the situation and telly hem to cancel. Neither one wanted to and said i had to wait three working days.” My point is i never got a
20. [R20] 1/5 · US SCAM: THIS IS THE MOST SCAM APP OUT THERE, they did not let me cancel for more than 3 months and they charged me fees i did not even know existed
21. [R26] 1/5 · US Not worth it: Theres a fee for every 100.00 you advance. Not worth it.
22. [R41] 3/5 · US Keeps changing my amount: I’ve had this account for awhile and had an advance of almost $700-nothing changed and they dropped my advance to $350. Don’t like this can happen without any warning or notice.
23. [R42] 5/5 · US Cash borrowing: Receive the money instantly for a small fee like similar apps. This would have to be my favorite app out of all it gave me the highest offer for borrowing. Although one thing I can’t stand is you aren’t able to withdraw more than $100 per transaction which means paying the $7.99 fee each time and it definitely adds up… A higher withdrawal amount would be nice
24. [R45] 2/5 · US Instacash only: The only positive thing about this app is the instacash but even that is a money grab. They offered me $600 but in increments of $100 and charged for each withdrawal, so to get that $600 cost about $670 or so. The credit builder loan is garbage. Something else to get your money with no real return and after reading reviews I see I’m not the only one with this opinion. I understand
25. [R46] 1/5 · US My family: The system needs to be repaired. My deposits have consistently been $2400. Every two weeks and I get bonuses through the month and my last deposit was $4900 but because I have constant small deposits through the month, not my payroll direct deposit they want to count them and make me drop from $1200 cash advance to now $150. A slap in the face. As a single father of three, I counted on
26. [R61] 1/5 · US DONT FORGET TO TIP LOL: *Updated to 1 star after dev response* I have never seen a financial services company ask for tips lol. Can you prove that any “tips” given actually go directly to employees? Or are the tips just classified as revenue for the company. The app is pretty straightforward and useful. but the fact the developers thought adding an option to give them a tip like were at a rest
27. [R65] 2/5 · US Feels predatory: I have used their instacash for years at this point. Sometimes I’ll take breaks just from their constant hounding of tips. Their customer service is inconsistent. Let your phone close by accident and it completely shuts you out from using customer service. Also them changing the amount on instacash just because? Leaving you a lower amount after you pay a heavy amount just made me
28. [R70] 1/5 · US Greedy: They will not wait until the payment date and just take it randomly. Always asking for tips it will ask you to give them money four times before you can get yours
29. [R222] 3/5 · US Helpful but annoying: The advances are helpful though I wish I could do more that $100 per time if I needed more. However the constant tip option, literally have to decline it twice, is simply obnoxious. I know the reply will say that they use them to keep it free but we all know it’s through the credit and loan apps they send to creditors. Now today I tried to stop an advance by hitting x in the
30. [R173] 3/5 · US It’s not instant: Try several hours. It says you get the money instantly or within a few minutes. I was in a pinch and needed the money within about 30min and this app failed to deliver on its promises. Dude if it’s gonna be several hours then say it’ll be deposited in a several hours. Stop sugar coating everything and saying it’ll be in a few minutes. You’re a lying app developer.
31. [R30] 1/5 · US I have been trying to reset my acc: You guys won’t send the email to reset my account I try and make a new one it says I have one already I can’t remember the password it says to send a reset one and I have waited for 4 weeks no email this app is horrible
32. [R34] 1/5 · US Can’t access: I signed up and now I can’t access my account. This is my first time dealing with them. I never got a chance to use the sight or see what I could accomplish with them. So one is my rating for them.
33. [R37] 1/5 · US Thiefs: DO NOT USE! It has been almost 2 yrs since I closed my ML account due to consistent account access issues that they were unable to resolve. I couldn’t access my account for months, so I called & closed it. Although I was assured I would receive a Check in the mail with my monies within 10 business days, I still haven’t been able to get my monies returned. Their Customer Service is a comple
34. [R3] 1/5 · US frustrated: so much of the content within the app is brainrot. i think my credit went down by using this app. always spamming loan offers as soon as you log in which can really hurt your wallet and credit score. avoid this waste of time and money.
35. [R93] 1/5 · US Scam: It’s been over five months since I paid off my credit builder Loan and I actually lost four points on my credit score because they reported me as a closed account. The credit builder loan is a scam and costs a lot.
36. [R200] 3/5 · US 3/5: I signed up for the Credit Builder loan because the app advertised a 7% APR, which sounded reasonable. What was not made clear is that you are required to pay a $20/month membership subscription to even keep the loan active. On a $1,000 loan, that adds another $240/year on top of the interest, making the real cost dramatically higher than the advertised APR. Another issue: once you take the
37. [R71] 1/5 · US Money Lion: I would not recommend MoneyLion based on my personal experience. What started as a way to get financial help ended up creating more stress. I experienced unexpected payment withdrawals, had difficulty changing or canceling my builder loan, and found it frustrating to get clear answers from customer service. The app and repayment process were confusing, and I often felt like I was fight
38. [R80] 1/5 · US Takes money before: Takes money before the initial date but says they don’t receive it
39. [R84] 1/5 · US Inquiries: Tried to pay my credit builder in full, but they would rather lower my credit and block the “pay” button to finally pay it all, thanks for the scam, their customer support is unreliable, sadly.
40. [R50] 2/5 · US Terrible customer service: I had no issue borrowing and repaying; however, I was unable to delete my account from settings, so I contacted chat support. They would take me as far as verifying my info, then somehow “get disconnected” or no longer receive my responses once I ask them to proceed with the deletion. I literally attempted 4 times and it’s still not deleted?
41. [R59] 1/5 · US Easy to set up, ridiculous to cancel your membership. Look up the CFPB complaints: Horrendous service designed to prey on the financially desperate and illiterate.
42. [R51] 1/5 · US False advertising: They claim it’s not credit based but then ask for your credit information. Also claim you can get up to $500 once you link your bank account & then approve for you for $20 to $70 bucks unless you open a credit builder lion money account with them and then even if you do open the account they still base it off of your credit versus your income. I make $1200 a week at my job, they