# MoneyLion – Instacash: how AI models rank it, October 2026

HR AI Recommendation Index, October 2026 Edition. Named in 8 judge labels across 1 categories by 7 of 14 models. Page: https://hr-ai-index.com/vendors/moneylion-instacash/

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| Earned wage access | 0% | 53 | 88% | 8 |

## And against it

- "Litigation alleges MoneyLion charges Turbo Fees and tips that function as interest and can produce annualized rates hundreds of times higher" (Muse Glimmer 30B, Earned wage access)
- "litigation alleging that MoneyLion markets Instacash as "0% APR / no interest" while charging "Turbo Fees"" (DeepSeek V4 Flash, Earned wage access)
- "High “expedited” fees and optional tips that can drive effective APR > 300 %" (MiniMax M2.5, Earned wage access)
- "Similar NY AG lawsuit in 2025 alleging consumer lending violations." (Grok 4.1 Fast, Earned wage access)

## Movement since September 2026

Floor: 13 points of share, measured on the calibration repeat. A larger change is movement; a smaller one is noise.

- Earned wage access: 0% to 0%, ±0. Inside the floor by 13 points · rank 59 → 53 of 54.

## In its own words

What MoneyLion – Instacash's own pages state, read 2026-10-05. Stated by the vendor, not checked by the index.

- Positioning: Get up to $500. Fast. (https://moneylion.com/)
- For: members who want cash advances (https://www.moneylion.com/pricing)
- Price stated: Expedited delivery requires Turbo Fee. (https://moneylion.com/)
- Starting price: 0 (https://www.moneylion.com/pricing)

## What it publishes

Every page moneylion.com exposes, read 2026-09-29: 9273 addresses. By kind, pages and the last 90 days:

- blog: 41 pages, 0 in the last 90 days, latest undated
- webinar or virtual event: 1 pages, 0 in the last 90 days, latest 2026-05-13
- conference or event: 4 pages, 2 in the last 90 days, latest 2026-09-28
- report or ebook: 18 pages, 4 in the last 90 days, latest 2026-09-15
- comparison: 309 pages, 10 in the last 90 days, latest 2026-09-28
- template or tool: 6 pages, 3 in the last 90 days, latest 2026-09-05
- glossary or explainer: 1465 pages, 9 in the last 90 days, latest 2026-09-28
- podcast or video: 1 pages, 1 in the last 90 days, latest 2026-07-22
- news or press: 47 pages, 0 in the last 90 days, latest 2020-07-15
- Recent: 2026-09-28 glossary or explainer: Peer to peer loans https://www.moneylion.com/learn/personal-loans/basics/peer-to-peer-loans
- Recent: 2026-09-28 glossary or explainer: Chime personal loans https://www.moneylion.com/learn/personal-loans/reviews/chime-personal-loans
- Recent: 2026-09-28 conference or event: Applying for a loan online vs in person https://www.moneylion.com/learn/personal-loans/basics/applying-for-a-loan-online-vs-in-person
- Recent: 2026-09-28 glossary or explainer: Prosper personal loans https://www.moneylion.com/learn/personal-loans/reviews/prosper-personal-loans
- Recent: 2026-09-28 glossary or explainer: Can i change my bank account number https://www.moneylion.com/learn/banking/basics/can-i-change-my-bank-account-number
- Recent: 2026-09-28 glossary or explainer: Can you use a personal loan to buy a car https://www.moneylion.com/learn/personal-loans/basics/can-you-use-a-personal-loan-to-buy-a-car

## Record

- Method: https://hr-ai-index.com/methodology/
- Raw judge labels and full responses: https://hr-ai-index.com/data/
- License: CC BY 4.0. Cite as HR AI Recommendation Index, October 2026 Edition, hr-ai-index.com.