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MoneyLion: Cash Advance App icon

MoneyLion Instacash data API

MoneyLion Inc. · Lending

Open on Google Play

MoneyLion: Cash Advance App from MoneyLion Inc. brings Instacash cash advances, RoarMoney account management and Credit Builder Plus into one Android app for U.S. consumers. Members can link an external checking account, review advance options and repayment dates, choose an available payout method, and monitor their credit score. The app also includes Safe-to-Spend guidance, daily spending comparisons, Shake-to-earn rewards and membership management, placing it alongside EarnIn, Brigit, Dave and Albert in the U.S. cash-advance and everyday-finance market.

Instacash repayment planning pairs outstandingBalance with repaymentDate and repaymentAmount, while draw capacity is represented by disbursementAmounts and boostAmount. Payout choices distinguish disbursementMethod from its available flag, allowing a lending-operations monitor to separate the amount a member can select from the rail that can receive it. Credit Builder Plus contributes eligible, commitmentInfo, minCommitmentMonths and applicationStatus for qualification and application-progress comparisons.

Cash-flow views connect accountBalance to safeToSpend, then compare currentMonthDailySpending with lastMonthDailySpending as amount and date series against a threshold. The hasLinkedBvOrRm flag indicates whether the spending view has a linked bank or RoarMoney account. Household-finance dashboards can align these fields with repayment timing, while payout planners can compare the available disbursement choices.

The illustrative field groups also cover creditScore and creditScoreBucket, membership billing through nextPaymentAmount and nextPaymentDate, and rewards through rewardEarnedInDollar and leaderboard position. openData Studio turns these field groups into callable open data for lending monitors, payout planning and household-finance integrations.

Screenshots

  • MoneyLion: Cash Advance App screenshot 1
  • MoneyLion: Cash Advance App screenshot 2
  • MoneyLion: Cash Advance App screenshot 3
  • MoneyLion: Cash Advance App screenshot 4
  • MoneyLion: Cash Advance App screenshot 5
  • MoneyLion: Cash Advance App screenshot 6
  • MoneyLion: Cash Advance App screenshot 7
  • MoneyLion: Cash Advance App screenshot 8

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

  • Load Instacash advance info

    GET /v1/advances/overview openfinance

    Hydrates the Instacash home card: outstandingBalance against the next repaymentDate, optional boostAmount, and the disbursementAmounts / disbursementMethod the member can still draw.

    Auth: Signed-in member session using Authorization: Bearer <accessToken>, with app-version, device and timestamp metadata plus a request-signature header.

    • outstandingBalance
    • repaymentDate
    • boostAmount
    • disbursementAmounts
    • disbursementMethod
    GET /v1/advances/overview HTTP/1.1
Authorization: Bearer <accessToken>
X-App-Version: <appVersion>
X-Device-Id: <deviceId>
X-Ml-Time: <timestamp>
X-Signed-Auth: <signature>
    {
  "outstandingBalance": 75.00,
  "repaymentDate": "2026-10-31",
  "boostAmount": 25.00,
  "disbursementAmounts": [25, 50, 75, 100],
  "disbursementMethod": "ROAR_MONEY"
}

  • Read outstanding Instacash balance

    GET /v1/advances/repayment-summary openfinance

    Returns the signed-in member's unpaid Instacash outstandingBalance, repaymentAmount and repaymentDate for the manage-repayment screen.

    Auth: Signed-in member session using Authorization: Bearer <accessToken>, with app-version and device metadata plus a request-signature header.

    • outstandingBalance
    • repaymentDate
    • repaymentAmount
    GET /v1/advances/repayment-summary HTTP/1.1
Authorization: Bearer <accessToken>
X-App-Version: <appVersion>
X-Device-Id: <deviceId>
X-Signed-Auth: <signature>
    {
  "outstandingBalance": 75.00,
  "repaymentDate": "2026-10-31",
  "repaymentAmount": 75.00
}

  • List Instacash disbursement amounts

    GET /v1/advances/draw-options openfinance

    Feeds the Instacash amount picker with disbursementAmounts (and any good-repayment boostAmount) before the member chooses a rail.

    Auth: Signed-in member session using Authorization: Bearer <accessToken>, with app-version and device metadata plus a request-signature header.

    • disbursementAmounts
    • boostAmount
    GET /v1/advances/draw-options HTTP/1.1
Authorization: Bearer <accessToken>
X-App-Version: <appVersion>
X-Device-Id: <deviceId>
X-Signed-Auth: <signature>
    {
  "disbursementAmounts": [25, 50, 75, 100, 150],
  "boostAmount": 25.00
}

  • List Instacash disbursement methods

    GET /v1/payouts/rail-options openbanking

    Lists the rails Instacash can land on — RoarMoney, linked debit, or ACH — as disbursementMethod rows the apply sheet can enable.

    Auth: Signed-in member session using Authorization: Bearer <accessToken>, with app-version and device metadata plus a request-signature header.

    • disbursementMethods
    • disbursementMethod
    • available
    GET /v1/payouts/rail-options HTTP/1.1
Authorization: Bearer <accessToken>
X-App-Version: <appVersion>
X-Device-Id: <deviceId>
X-Signed-Auth: <signature>
    {
  "disbursementMethods": [
    {"disbursementMethod": "ROAR_MONEY", "available": true},
    {"disbursementMethod": "DEBIT", "available": true},
    {"disbursementMethod": "ACH", "available": true}
  ]
}

  • Submit Instacash application

    POST /v1/advances/requests openfinance

    Posts the chosen amount, disbursementMethod and repaymentDate from the Instacash apply sheet and returns applicationStatus plus the new outstandingBalance.

    Auth: Signed-in member session using Authorization: Bearer <accessToken>, with app-version and device metadata plus a request-signature header. First-time applicants complete onboarding and electronic consent before submitting.

    • amount
    • disbursementMethod
    • repaymentDate
    • applicationStatus
    • outstandingBalance
    POST /v1/advances/requests HTTP/1.1
Authorization: Bearer <accessToken>
X-App-Version: <appVersion>
X-Device-Id: <deviceId>
X-Signed-Auth: <signature>
Content-Type: application/json

{
  "amount": 75,
  "disbursementMethod": "DEBIT",
  "repaymentDate": "2026-10-31"
}
    {
  "applicationStatus": "APPROVED",
  "outstandingBalance": 75.00,
  "disbursementMethod": "DEBIT",
  "repaymentDate": "2026-10-31"
}

  • Check Credit Builder Plus eligibility

    GET /v1/credit-building/qualification openfinance

    Tells the Credit Builder Plus landing whether the member is eligible and which disbursementAmounts / commitmentInfo apply before create-or-refresh.

    Auth: Signed-in member session using Authorization: Bearer <accessToken>, with app-version and device metadata plus a request-signature header.

    • eligible
    • disbursementAmounts
    • commitmentInfo
    • minCommitmentMonths
    GET /v1/credit-building/qualification HTTP/1.1
Authorization: Bearer <accessToken>
X-App-Version: <appVersion>
X-Device-Id: <deviceId>
X-Signed-Auth: <signature>
    {
  "eligible": true,
  "disbursementAmounts": [250, 500, 1000],
  "commitmentInfo": {
    "minCommitmentMonths": 12
  }
}

  • Read Credit Builder Plus application status

    GET /v1/credit-building/application-progress openfinance

    Loads the latest Credit Builder Plus applicationStatus (and remaining outstandingBalance / disbursementAmount) for the CB Plus dashboard row.

    Auth: Signed-in member session using Authorization: Bearer <accessToken>, with app-version and device metadata plus a request-signature header.

    • applicationStatus
    • disbursementAmount
    • outstandingBalance
    GET /v1/credit-building/application-progress HTTP/1.1
Authorization: Bearer <accessToken>
X-App-Version: <appVersion>
X-Device-Id: <deviceId>
X-Signed-Auth: <signature>
    {
  "applicationStatus": "DISBURSED",
  "disbursementAmount": 500.00,
  "outstandingBalance": 412.50
}

  • Fetch credit report snapshot

    GET /v1/credit-health/snapshot openfinance

    Returns the enrolled member's creditScore / creditScoreBucket and reportBalance for the credit-monitoring home tile.

    Auth: Signed-in member session using Authorization: Bearer <accessToken>, with app-version and device metadata plus a request-signature header. Requires credit-monitoring enrollment.

    • creditScore
    • creditScoreBucket
    • reportBalance
    GET /v1/credit-health/snapshot HTTP/1.1
Authorization: Bearer <accessToken>
X-App-Version: <appVersion>
X-Device-Id: <deviceId>
X-Signed-Auth: <signature>
    {
  "creditScore": 672,
  "creditScoreBucket": "FAIR",
  "reportBalance": 18420.55
}

  • List Safe-to-Spend connected accounts

    GET /v1/budgeting/linked-accounts openbanking

    Lists bank accounts feeding Safe-to-Spend, each with accountBalance and the computed safeToSpend buffer after detected bills and income.

    Auth: Signed-in member session using Authorization: Bearer <accessToken>, with app-version and device metadata plus a request-signature header. Requires bank verification through the linked-account flow.

    • connectedAccounts
    • accountId
    • accountName
    • accountBalance
    • safeToSpend
    GET /v1/budgeting/linked-accounts HTTP/1.1
Authorization: Bearer <accessToken>
X-App-Version: <appVersion>
X-Device-Id: <deviceId>
X-Signed-Auth: <signature>
    {
  "connectedAccounts": [
    {
      "accountId": "example_checking_1",
      "accountName": "Example Checking",
      "accountBalance": 214.55,
      "safeToSpend": 96.4
    }
  ]
}

  • Read daily spending widget

    GET /v1/budgeting/daily-comparison openfinance

    Powers the Android spending widget: hasLinkedBvOrRm flags a linked bank or RoarMoney account, currentMonthDailySpending / lastMonthDailySpending are amount+date series, and threshold is the comparison band.

    Auth: Widget-scoped token using Authorization: Bearer <widgetToken>, plus an HMAC request signature covering timestamp, app-version, device and source metadata.

    • hasLinkedBvOrRm
    • currentMonthDailySpending
    • lastMonthDailySpending
    • threshold
    • amount
    • date
    GET /v1/budgeting/daily-comparison HTTP/1.1
Authorization: Bearer <widgetToken>
X-App-Version: <appVersion>
X-Device-Id: <deviceId>
X-Ml-Time: <timestamp>
X-Source: <source>
X-Signed-Auth: <signature>
    {
  "hasLinkedBvOrRm": true,
  "currentMonthDailySpending": [
    {"amount": 42.18, "date": "10-22-2026"},
    {"amount": 11.50, "date": "10-23-2026"}
  ],
  "lastMonthDailySpending": [
    {"amount": 38.00, "date": "09-23-2026"}
  ],
  "threshold": 75.0
}

  • Read RoarMoney account setup status

    GET /v1/spending-accounts/setup-progress openbanking

    Returns RoarMoney (DDA) accountSetupStatus and accountBalance for the spending-account checklist after the account-opening flow.

    Auth: Signed-in member session using Authorization: Bearer <accessToken>, with app-version and device metadata plus a request-signature header.

    • accountSetupStatus
    • accountName
    • accountBalance
    GET /v1/spending-accounts/setup-progress HTTP/1.1
Authorization: Bearer <accessToken>
X-App-Version: <appVersion>
X-Device-Id: <deviceId>
X-Signed-Auth: <signature>
    {
  "accountSetupStatus": "ACTIVE",
  "accountName": "RoarMoney",
  "accountBalance": 186.40
}

  • Get membership subscription

    GET /v1/member-plans/billing-summary opendata

    Reads the Wow / MoneyLion membership subscription (planId, status, nextPaymentAmount, nextPaymentDate) that gates higher Instacash limits.

    Auth: Signed-in member session using Authorization: Bearer <accessToken>, with app-version and device metadata plus a request-signature header.

    • planId
    • status
    • nextPaymentAmount
    • nextPaymentDate
    GET /v1/member-plans/billing-summary HTTP/1.1
Authorization: Bearer <accessToken>
X-App-Version: <appVersion>
X-Device-Id: <deviceId>
X-Signed-Auth: <signature>
    {
  "planId": "WOW",
  "status": "ACTIVE",
  "nextPaymentAmount": 19.99,
  "nextPaymentDate": "2026-11-01"
}

  • Fetch Shake leaderboard

    GET /v1/rewards/rankings opendata

    Fills the Shake-to-earn leaderboard widget with currentUserData (userId, name, rewardEarnedInDollar) and ranked rows that include position.

    Auth: Widget-scoped token using Authorization: Bearer <widgetToken>, plus an HMAC request signature covering timestamp, app-version and device metadata.

    • currentUserData
    • userId
    • name
    • rewardEarnedInDollar
    • position
    GET /v1/rewards/rankings HTTP/1.1
Authorization: Bearer <widgetToken>
X-App-Version: <appVersion>
X-Device-Id: <deviceId>
X-Ml-Time: <timestamp>
X-Signed-Auth: <signature>
    {
  "currentUserData": {
    "userId": "usr_8f21",
    "name": "Alex",
    "rewardEarnedInDollar": 12.5
  },
  "leaderboard": [
    {
      "userId": "usr_1",
      "name": "Jordan",
      "rewardEarnedInDollar": 48.0,
      "position": 1
    }
  ]
}

Data categories

  • cash advances
  • credit builder
  • credit scores
  • bank accounts
  • spending
  • memberships
  • rewards

Where teams use this data

  • Instacash headroom monitor

    A lending-ops bot reads outstandingBalance against disbursementAmounts and repaymentDate so it can alert when Instacash headroom changes or a repayment window slips.

  • Disbursement-rail router

    A payout orchestrator inspects disbursementMethod / disbursementMethods (RoarMoney, debit, ACH) before posting amount on apply, and retries on the next available rail.

  • Credit Builder pipeline

    Collections software combines CB Plus eligible / commitmentInfo with latest applicationStatus, disbursementAmount and outstandingBalance to schedule the next commitment pull.

  • Safe-to-Spend vs daily spend

    A household-finance dashboard overlays safeToSpend and accountBalance from connected accounts with currentMonthDailySpending / lastMonthDailySpending and the widget threshold, gated by hasLinkedBvOrRm.

Frequently asked questions

Which Instacash fields are included in the illustrative API?

The examples cover outstandingBalance, repaymentDate, repaymentAmount, boostAmount and disbursementAmounts. The application example uses amount, disbursementMethod and repaymentDate, with applicationStatus and outstandingBalance in the sample result.

How are payout methods and Credit Builder Plus represented?

Payout examples list RoarMoney, linked debit and ACH as disbursementMethod values with an available flag. Credit Builder Plus examples separate eligible, disbursementAmounts and commitmentInfo from applicationStatus, disbursementAmount and outstandingBalance so qualification and application progress remain distinct.

Is there spending, credit or membership data beyond cash advances?

Yes. The illustrative account records include accountBalance and safeToSpend; spending comparisons include hasLinkedBvOrRm, currentMonthDailySpending, lastMonthDailySpending and threshold. Credit fields include creditScore and creditScoreBucket. Membership billing includes planId, status, nextPaymentAmount and nextPaymentDate, while reward records use rewardEarnedInDollar and position.

Are these official MoneyLion production endpoints or live account records?

No. The paths, requests and response values are synthetic illustrations of the field groups on this page, not official production URLs or live account records. Member examples show an Authorization: Bearer access token with app/device metadata and a request-signature header; widget examples show a separate Bearer widget token with HMAC request signing. All token and signature values are placeholders, not working credentials, and do not grant account access.

Apps similar to MoneyLion: Cash Advance App

  • EarnIn — EarnIn Cash Out lets U.S. workers access wages they have already earned — up to $200 a day and $1,000 per pay period — with no credit check, no interest, and no mandatory fees on standard transfers that typically take 1–2 business days.
  • Dave — Dave ExtraCash advances $25–$500 with no credit check, interest, or late fees, typically authorized within five minutes after linking a bank, alongside a Dave checking account that can receive pay up to two days early.
  • Brigit — Brigit Instant Cash advances $25–$500 with no credit check and no late fees, on a monthly subscription of $8.99–$15.99, with optional express delivery that most members receive within 20 minutes.
  • Tilt — Tilt Cash Advance sends $10–$500 to an existing bank account in about one business day, or instantly onto a Tilt debit card, with optional 15-minute express delivery at $1 to 3% of the advance.
  • Klover — Klover lets users link a bank account and take a cash advance of up to $750 with no credit check, no interest and no late fees, plus a points program from in-app surveys and ads.
  • Chime — Chime MyPay lets eligible Chime checking members draw $20–$500 with no mandatory fees, with free funding within 24 hours to a Chime checking account or instant delivery for a $2–$5 fee.
  • Current — Current Paycheck Advance lets eligible members draw $25–$750 into a Current account with no mandatory fees and no per-advance disbursement cap, so a qualified $750 limit can be taken in a single transfer.

More Lending apps

Topics

  • MoneyLion API
  • MoneyLion illustrative API
  • Instacash data
  • outstandingBalance
  • disbursementMethod
  • Credit Builder Plus
  • safeToSpend
  • hasLinkedBvOrRm
  • RoarMoney
  • MoneyLion membership
  • Shake-to-earn rewards

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