Updated September 28, 2026 · BorrowCue Editorial Team
Brigit vs MoneyLion
Where Brigit and MoneyLion differ
| Compare |  Brigit |  MoneyLion |
|---|---|---|
| Loan amount | $25 to $500 | up to $500 |
| Arrangement fee | 0 (no origination fee; optional Express Delivery fee applies for Plus members) | $0 (no origination or monthly fee on Instacash; optional tip $0 and up and optional Turbo delivery fee $0.49-$8.99) |
| Funding time | Standard delivery 1-3 business days free; Express Delivery within 20 minutes for a fee (free on Premium) | Within minutes with optional Turbo delivery fee, or 1-5 business days at no cost |
| Lender type | Broker | Marketplace |
| Eligibility | US residents 18 years or older; checking account active 60+ days, balance above $0, at least three recurring deposits from the same source | Legal resident of the United States, at least 18 years old (age of majority in state of residence); service availability varies by state |
| Loan types | Payday, Cash advance | Personal, Debt consolidation, Cash advance |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Not confirmed | Home improvement |
Same on both: APR (0%), Credit check (None), Credit needed (Poor).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- MoneyLion scores higher overall: 9.1 vs 8.8.
- Support channels: only MoneyLion offers Community.
- Loan types: only Brigit offers Payday.
- Loan types: only MoneyLion offers Personal, Debt consolidation.
Our verdict on each
Brigit
Brigit suits US adults with poor credit and a bank account that already shows incoming deposits, and borrowing costs nothing: the annual rate is 0% and the arrangement fee is free. Money can arrive the same day, but sums are small at $25 to $500.
MoneyLion
MoneyLion suits US adults who need a cash advance without a credit check or a fee, and its 0% APR is the same whoever applies. The marketplace side widens the choice of loan, but lender set pricing and a up to $500 cap on the cash advance keep it out of reach for anything larger.
Score breakdown
| Area | Brigit | MoneyLion |
|---|---|---|
| Cost | 9.5The rate is 0%, the arrangement fee is free, and early repayment is free; the only charge is paid Express Delivery on Plus. | 9.7HigherInstacash is listed at an APR of 0%, and the cash advance carries an origination charge of 0% and no monthly fee. |
| Offer | 8.7 | 9.8Higher |
| Trust | 8.3Higher | 8.1 |
Where each is licensed and available
| Country | Brigit | MoneyLion |
|---|---|---|
| United States | NMLS (US) 2429907 California Department of Financial Protection and Innovation (Income-Based Advance Provider, CCFPL registration) 04-CCFPL-2429907-3473890 |
Available in 1 country for both.
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
Brigit
0
0
MoneyLion
0
0
Both come to the same total.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
How they place
| Ranking | Brigit | MoneyLion |
|---|---|---|
| Loans for bad credit | 67 of 275 | 121 of 275 |
| Cash advance apps | 3 of 53 | 15 of 53 |
Every fact side by side
| Fact | Brigit | MoneyLion |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Bridge It, Inc. | MoneyLion Technologies Inc. |
| Headquarters | United States | United States |
| Founded | 2017 | Not confirmed |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre, CommunityCovers more |
Where each stands against the rest
| Fact | Brigit | MoneyLion | Median |
|---|---|---|---|
| APR | 0%lowest quarter | 0%lowest quarter | 8.99% |
| Loan amount | $25 to $500lowest quarter | up to $500lowest quarter | $35,000 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 834 listed lenders.
Pros and cons
Brigit
Pros
- The annual rate is 0%, so the advance is free to take out and free to hold while you keep it.
- The credit check is none, so there is no bureau search to pass, and the rating needed is poor.
- Same day funding is a headline feature (same day funding), so an urgent bill does not have to wait for a full transfer cycle.
Cons
- The advance tops out at $25 to $500, so it will not stretch to a large bill or a consolidation.
- Eligibility is narrow: US residency, a minimum age, a checking account open for a waiting period, a balance above the minimum, and repeated deposits from the same source.
- Brigit is a broker, so the advance is placed by a partner lender rather than priced by Brigit itself.
MoneyLion
Pros
- The cash advance carries a credit check of none, so a poor credit file does not stop a draw.
- Money can land within minutes on the paid delivery route, and same day funding is among the features the brand is listed under.
- personal, debt consolidation and cash advance run through the same marketplace, which widens choice beyond a single funder.
Cons
- The 0% headline describes the cash advance only. Pricing on a personal loan or a consolidation loan comes from the partner lender inside the marketplace, so the figure does not carry over.
- A single draw is capped at up to $500, which leaves a home improvement project dependent on the marketplace side.
- The optional Turbo delivery fee sits on top of the 0% APR for anyone who wants the money within minutes.
Who each suits
Brigit
Who it suits
- US adults with a poor credit history who want a free rate and will accept a small sum.
- Anyone who will not pay interest to hold a balance: alternatives such as Cashspace at PHP 12 to PHP 36 and Creditilia ES at 4% to 289% both cost money to carry.
- People whose checking account has been open a long time and receives the same deposits each month.
Who should look elsewhere
- Anyone chasing a large sum: the advance is capped at $25 to $500, so a bigger loan such as Andacredito at 0% to 36% may suit a larger bill.
- Readers without a steady deposit history, since the eligibility test is built on an account with recurring deposits rather than on a credit file.
- Borrowers who plan to carry a balance over a term, since Brigit's payday and cash advance products reward clearing the advance quickly.
MoneyLion
Who it suits
- US adults who need a cash advance quickly and cannot pass a credit check.
- Borrowers with poor credit who want short term cash at an APR of 0%.
- People comfortable with a marketplace, where the funder behind the loan is set by the match rather than by the app.
Who should look elsewhere
- Anyone after a large home improvement loan. Monzo Flex quotes 10% to 23% on a personal loan, a different product from a up to $500 cash advance.
- Borrowers who want one lender and one published price. Monzo Flex shows 10% to 23% up front, while MoneyLion's personal loan pricing follows the marketplace.
- Borrowers in another market. Cashspace quotes PHP 12 to PHP 36 and Cashspace ES lends €100 to €5,000, and MoneyLion's service is limited to the United States.
Current offers
Brigit
Current offer
First period offer
Brigit Premium plan includes free Express Delivery on cash advances: $15.99/month plan, free Express Delivery
Premium membership; cancel anytime; not available in all states
Source, checked September 26, 2026
MoneyLion
Current offer
Bonus
Shake 'N' Bank Cash Back Promotion: Cash back from $0.01, cap $500 per transaction, up to 5 shakes per month
MoneyLion member in good standing; qualified purchases of $10 or more in a single transaction with the MoneyLion Debit Mastercard or Spend Virtual Card; unlimited shakes with an active WOW membership
Source, checked September 26, 2026
Country by country
| Country | Brigit | MoneyLion |
|---|---|---|
| United States | Yes | Yes |
Questions about each
Brigit
What does a Brigit advance cost?+
The annual rate is 0%, so the advance is free to take out and free to hold. The arrangement fee is free as well, with no origination charge on the advance itself. The one optional cost is Express Delivery, which carries a fee for Plus members and is free on Premium accounts. Clearing the advance early costs nothing either.
Does Brigit run a credit check?+
The credit check is none, so there is no bureau search to pass, and the rating needed is poor. Approval leans on your bank account and its deposit history instead of on a credit file. For a borrower with a damaged score that is the point of the product rather than a shortcut.
MoneyLion
What does a MoneyLion cash advance cost?+
The Instacash cash advance is listed at an APR of 0%, with an origination charge of 0% and no monthly fee. Two extras sit on top if you want them, an optional tip, which you can leave at free, and the optional Turbo delivery fee that comes with money within minutes. Nothing else is charged for the account.
Is there a credit check on the Instacash cash advance?+
The cash advance carries a credit check of none, so there is no file to pass before the money is released, which is the point for anyone whose credit is thin. The personal and debt consolidation side works differently, running through a marketplace where the partner lender sets its own requirements and MoneyLion is placed at poor.