VERDICT
Borrow, Earn, Win, & Learn About Money - moneylion.com
Depends. Worth it only if you need a small payday advance and have no cheaper option — use free features, avoid paid memberships. If you can qualify at a credit union or a lower-cost app, skip it.
Medium. Based on 30+ public sources: user reviews, CFPB records, court filings, breach documents, and official pages.
MoneyLion One membership
Not disclosed in sources reviewed
high
Class action alleges interest disguised as fees; compute the full cost of any advance
medium
Membership terms can trap users in borrowing loops, per Reddit reports
medium
Some advances may not report to credit bureaus, per user reports
medium
24/7 support advertised, but users report very slow responses
Value for money: 2/5
Rating
Not disclosed
Starting price
12
Sources
Analyzed
Not disclosed
2021 credential-stuffing attacks locked accounts; a 2022 CFPB enforcement action and a Massachusetts breach filing exist.
App-store reviewers largely praise the experience, while Reddit and Trustpilot users complain about fees, slow support, and borrowing loops.
“Seems they are very slow”
“stuck in borrowing loop with moneylion app”
Compare MoneyLion with each alternative.
Access paychecks as you earn them
MoneyLion vs EarnInSubscription cash-advance app positioned against MoneyLion
MoneyLion vs VolaCommunity-funded small advances, no membership
MoneyLion vs SoLo FundsBased on 30+ public sources: user reviews, CFPB records, court filings, breach documents, and official pages.
Consumer cash-advance and banking app: real fee traps, a CFPB action, split reviews. OK for one small advance; skip memberships.
Based on 30+ public sources: user reviews, CFPB records, court filings, breach documents, and official pages.
Anonymous. You can change your vote.
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