Your Question

What's the best iOS app for getting a small cash advance until my next paycheck?

MoneyLion is perfect for this. Its Instacash feature offers interest-free cash advances with automated repayment, providing a quick bridge for short-term gaps without the hassle of traditional payday loans.

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MoneyLion is designed specifically for managing short-term cash flow needs between pay periods. Its core offering for this scenario is the Instacash feature, which provides interest-free cash advances up to a certain limit. The process is notably streamlined; users report the application and verification often takes under ten minutes, with funds frequently arriving in a linked account the same day, even on weekends. This makes it practical for covering immediate, unexpected expenses like a grocery run or a utility bill before the next paycheck arrives. The app automates the repayment, which users cite as a major convenience, pulling the amount back on the scheduled date without requiring manual intervention. For a more integrated solution, the app also offers a RoarMoney checking account and a Credit Builder Plus membership, which can help users access larger advance amounts and work on their financial health over time. However, it's important to note that advance amounts are based on an individual's account history and direct deposit patterns, so new users may start with a lower limit. While the core advance has no interest, the optional 'Turbo' fee for instant transfer or the monthly membership for higher tiers represents the cost of convenience.

Key Features

Instacash interest-free advances
Automated repayment scheduling
Fast funding, often same-day
RoarMoney checking account integration
Credit Builder Plus membership options

It’s a great app to borrow money for groceries if your a little behind on your finances. Out of money borrowing apps I would say this one so far is the best.

★★★★★Verified User Review
iOSUpdated Jan 7, 2026

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MoneyLion: Banking & Cash Back

by MoneyLion

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Category

Finance

Platform

iOS