MoneyLion Credit Builder Plus
Best for Immediate AccessMoneyLion
3.8
5.99%–29.99% APR$500–$1,000Fee: $19.99/month membership feeMin credit: 0+
APR Range
5.99%–29.99%
Loan Amount
$500–$1,000
Term
12–12 mo
Origination Fee
$19.99/month membership fee
Our take
Unique in that you get immediate access to part of your loan amount — helpful if you need cash now and want to build credit at the same time. The $19.99/month membership fee adds up, making it more expensive than alternatives unless you use other MoneyLion features. Best for borrowers who need liquidity alongside credit building.
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Full details
| Minimum loan amount | $500 |
| Maximum loan amount | $1,000 |
| Lowest APR | 5.99% |
| Highest APR | 29.99% |
| Shortest term | 12 months |
| Longest term | 12 months |
| Origination fee | $19.99/month membership fee |
| Minimum credit score | 0+ |
| Funding speed | Partial immediate access; remainder at term end |
Frequently asked questions
What is the APR range for MoneyLion Credit Builder Plus?
MoneyLion Credit Builder Plus offers APR from 5.99% to 29.99%. Your actual rate depends on creditworthiness, loan amount, and term length.
How much can I borrow with MoneyLion Credit Builder Plus?
Loan amounts range from $500 to $1,000. The amount you qualify for depends on your income, credit score, and existing debt.
Does MoneyLion Credit Builder Plus charge an origination fee?
Yes, MoneyLion Credit Builder Plus charges an origination fee of $19.99/month membership fee. This is deducted from your loan proceeds before disbursement.
How fast can I get funded with MoneyLion Credit Builder Plus?
MoneyLion Credit Builder Plus typically funds loans within Partial immediate access; remainder at term end. Actual funding time may vary based on verification requirements and your bank.
Is MoneyLion Credit Builder Plus worth it?
Unique in that you get immediate access to part of your loan amount — helpful if you need cash now and want to build credit at the same time. The $19.99/month membership fee adds up, making it more expensive than alternatives unless you use other MoneyLion features. Best for borrowers who need liquidity alongside credit building.
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Verified Mar 2026
MoneyLion Credit Builder Plus