Join our 4 million members and get America’s most powerful financial membership today:
• Zero-fee checking account
• Zero-fee investment account
• 0% APR cash advances
• 5.99% APR credit-builder loans
• Up to 12% cashback rewards
• Personal loans up to $50,000
• Get and monitor your credit score
• Personalized financial advice
“MoneyLion brings traditional banking ever closer to obsolescence.” - TechCrunch
2018 Celent Model Bank Award for Financial Wellness
“I've been with Moneylion since Feb 2018...I've received $25 Walmart Gift card, my credit score went up 40 points thus far, and plenty of points. It's definitely working in my favor. MoneyLion, thanks for allowing us to get ahead...every little bit helps <3”
-- Stacey K.
“This app has significantly increased my credit. And barely makes a dent in your bank account paying it back. And it invests for you. Aaaanddd you get rewards. Best app!”
-- Brooklyn S.
HOW IT WORKS:
Sign up for free
Download the MoneyLion app and enroll in free MoneyLion Core! Receive your new black debit card in approximately 7 days.
Enjoy zero-fee checking
Fund your MoneyLion Checking account with an instant transfer, and then use it everywhere you go with no fear of hidden fees, overdraft fees, or minimum balance fees!
Unlock 0% APR cash advances
Add direct deposit of just $250 or more to your MoneyLion checking account to unlock instant 0% APR cash advances.
Invest when you’re ready
Transfer money -- any amount, any time -- to your zero-fee MoneyLion Investment account, and we’ll invest it for you in a personalized portfolio to help it grow!
Level up to get 5.99% APR loans
Upgrade your membership to MoneyLion Plus to get anytime access to a 5.99% APR credit-builder loan, $1 daily cashback, exclusive perks, and more.
Get up to 12% cashback (coming soon)
Browse offers for up to 12% cashback rewards from thousands of merchants in the app, link your card for free, and start earning rewards when you shop!
MoneyLion Core or MoneyLion Plus (paid) membership required to participate in certain programs, services, cash advances, checking account and/or loans. See website or app for terms, conditions and details. MoneyLion investment account is managed by affiliated, SEC-registered investment adviser ML Wealth, LLC. It is not FDIC insured or bank-guaranteed, and is subject to risk of loss, including loss of principal. For important information and disclaimers relating to the investment account, please go to http://www.moneylion.com/adv. Checking account through MoneyLion's partner, Member FDIC. Identity and account verification required. Loans are offered through MoneyLion affiliates or through First Electronic Bank, Member FDIC. View full terms and conditions at www.moneylion.com/plus.
- Improvements to direct deposit setup and management.
- Improved credit/debit card management.
Thanks for using MoneyLion!
Ratings and Reviews
Super excited thus far...
I downloaded the app and although there are issues like DL not scanning and the #growyourstack option doesn’t pan a flat surface, I was able to get everything else going. I was super skeptical, ESPECIALLY after reading all the reviews about high interests, unexpected “surprises”, and scams but if you, as a consumer, do you part and actually read a document, you will see exactly what are signing up for. I was approved for the loan at the 5.99%; they don’t even check your credit for it and their requirements for approval are clearly stipulated. I opened up the contract to make sure and I was happy to see that I was set up for payments according to my pay period and at a 5.99% APR. Had I seen something different, I wouldn’t have accepted the loan. I would recommend that you open docs and read them before agreeing to anything. I am looking forward to having the issues worked out so I can take 100% advantage of all MoneyLion’s functionality. Financial stability is very important to me. It is clear to me that MoneyLion knows that there is an enormous gap between basic financial knowledge and healthy finances and they are invested in bridging that gap to help those of us that haven’t made the best “financial” decisions. I will come back and update my review as time passes. I’m hoping to bump it to 5 stars and 2 big thumbs up!!
So I’ve been a member for a full 30 days now. I was very skeptical at first, I wanted to cancel after my first payment because I read some negative reviews. But, thinking about the situation a little longer I realized all the negative reviews have one thing in common, and that’s because these people didn’t read the documents or what they were signing up for. So I left it at that! Now if you don’t have the money monthly to pay both the membership fees and the loan. Then I wouldn’t suggest this app, cause you need to spend money to make money, if you have no money then you can’t make any. Anyways, you pay a membership fee of $33 and some change every two weeks. $50 of that goes into your investment account. That is STILL your money! It’s just in a savings account for you basically. ML couldn’t verify my bank account so I was in something called the LOANLocked group. I had to make sure to pay my membership ON TIME, auto-drafted from my bank account. 30 days later with no questions asked I was approved without running my credit for the $500 loan. I don’t have this app just for the loan. I have it to build my credit, and the ongoing investment. I would recommend this app to my close family and friends because I trust it. AGAIN READ what you’re signing up for. ☺️☺️☺️☺️
Great money maker/investment/credit builder
I took a chance with ml for the loan opportunity and I'm so glad I did. From the low interest rate on the loan I received, to the opportunity for financial growth by earning a dollar a day to build on my investment just for opening up the app and swiping, all the way to helping me build my credit I have to say the decision I made to take a chance was actually one of the best decisions I've made in regards to finances. I do however need to let it be known I am not so happy with my ml checking account, I opened the account because it said free checking account and over 55,000 free atm's but yet the first time I used my card to withdraw money out of an atm I was charged twice one charge was the typical $2 atm fee from the atm's financial institution but then I saw when I was looking at my ml checking account transactions that I was also charged $2.50 from ml as well on top of the $2 atm fee I had already paid. I should not have had to pay a fee to ml as well as pay one to the financial institution of the atm I withdrew from! Now I worry every time I need to make a purchase hesitating and debating on whether or not to use my ml card wondering if I'll be charged for doing so. That is something I should never have to worry about from my personal bank account/institution especially if you were told prior to opening it it's a free account.
With Family Sharing set up, up to six family members can use this app.