MoneyLion is a financial technology company that provides a comprehensive suite of services aimed at helping individuals manage their finances more effectively. The platform offers a variety of products, including personal loans, credit cards, and credit monitoring, designed to assist users in borrowing, earning, and building their credit. MoneyLion's services cater to a diverse customer base, including those seeking to improve their financial literacy, manage debts, or invest for the future. The company's flagship offerings include Instacash, which allows users to access funds quickly, and Credit Builder Plus, a tool designed to help individuals enhance their credit scores. Additionally, MoneyLion features a mobile banking solution called RoarMoney, which enables users to spend, save, and track their financial activities with ease. Through its innovative approach, MoneyLion aims to empower consumers to take control of their financial well-being and make informed money management decisions.
MoneyLion receives overwhelmingly negative feedback from consumers, with many describing it as a scam. Reviewers frequently express frustration over account management issues, including unauthorized charges and difficulties accessing funds.
Customers report that the app malfunctions, preventing them from withdrawing their own money and leading to overdraft fees due to poorly timed automatic repayments. While a few users mention the app as "amazing" and appreciate its potential for credit building, these positive remarks are vastly outnumbered by complaints about broken promises and unresponsive customer service. Many feel trapped by high fees and complicated processes, with some stating they regret ever signing up. Overall, the sentiment is largely negative, with a significant majority of users advising others to avoid MoneyLion.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 1.5 | 60 | 100% | -0.2 | ● Medium |
Monthly average rating from reviews written by people · latest review Sep 2025.
| Month | Average | Reviews |
|---|---|---|
| Jan 25 | 3.0 | 2 |
| Feb 25 | 1.7 | 11 |
| Mar 25 | 1.0 | 3 |
| Apr 25 | 1.3 | 13 |
| May 25 | 1.8 | 5 |
| Jun 25 | 1.7 | 6 |
| Jul 25 | 1.4 | 8 |
| Aug 25 | 1.3 | 6 |
| Sep 25 | 1.2 | 6 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“Money Lion is an amazing app to make big loads and also an amazing app when your struggling with stuff I like it beca...”
“Do not open an account with these scam artists”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.
| Company | Overall | Legit | Service | Website & app | Value | Trend | Reviews |
|---|---|---|---|---|---|---|---|
 | 1.5 out of 5 (poor) | 100 out of 100 | 1.3 out of 5 (poor) | 1.8 out of 5 (poor) | 1.1 out of 5 (poor) | −19% | 60 |
| 4.2 out of 5 (good) | 100 out of 100 | 3.3 out of 5 (fair) | 3.0 out of 5 (fair) | — | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.6 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | 4.7 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.0 out of 5 (good) | 3.9 out of 5 (good) | — | 1,060 |
Bottom line: MoneyLion is #5 of 5 on overall rating in this group. On service, JustCover Travel Insurance scores higher (4.9 vs 1.3).
60 reviews of MoneyLion. Filter by what matters to you.
Moneylion automatically take repayments around 1am the day I'm paid but with my bank my pay check don't even hit my account until around 7-8am so it causes me to over draft fee or sometimes denied payment. So Moneylion really needs to check the time they take automatic repayments because not all banks are the same.
So i have done the credit builder lian twice now, to try and rebuild my credit, when i have payed them off the money automatically gets sent to your roar money bank acct, once you try to transfer it out of there to your original bank acct it requires a verification code sent from moneylion, but they never send the code, so you cant transfer the money!!
I like you can get an advance. But I never corresponds well with my paycheck. And recently took money I was going to use for food so now I don't have any money for food. Amohnt taken was not even the amoj t of the advance. They just took what i had. And pay day is still 4 days away
Quick answers to the questions people ask most.
MoneyLion has received a mix of reviews, with a significant number of customers expressing frustration over their experiences. While they have a presence in the finance sector, potential users should consider the 1-star ratings and numerous complaints before proceeding.
There are numerous verified reviews from customers who have reported issues with MoneyLion, including difficulties with loan processing and customer service. Many users have labeled their experiences as scams, indicating a pattern of dissatisfaction.
MoneyLion provides financial products including loans, credit-building tools, and cash advances. However, customer feedback suggests that the reliability of these services may vary.
MoneyLion typically requires bank account information for direct deposits and repayments. Some users have reported issues with automatic withdrawals aligning poorly with their pay schedules.
MoneyLion offers customer support primarily through their app and online channels. However, several reviews highlight dissatisfaction with their customer service responsiveness and effectiveness.
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Terrible service on the account. They advertise they want your direct deposit. I split my direct deposit between my bank and MoneyLion. The part that goes to my bank had no problems.
MoneyLion is a financial technology company that provides a comprehensive suite of services aimed at helping individuals manage their finances more effectively. The platform offers a variety of products, including personal loans, credit cards, and credit monitoring, designed to assist users in borrowing, earning, and building their credit. MoneyLion's services cater to a diverse customer base, including those seeking to improve their financial literacy, manage debts, or invest for the future. The company's flagship offerings include Instacash, which allows users to access funds quickly, and Credit Builder Plus, a tool designed to help individuals enhance their credit scores. Additionally, MoneyLion features a mobile banking solution called RoarMoney, which enables users to spend, save, and track their financial activities with ease. Through its innovative approach, MoneyLion aims to empower consumers to take control of their financial well-being and make informed money management decisions.
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