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Difficulty B · 24/100— Mostly straightforward

How to cancel MoneyLion

Name: Gravity: Cancel Subscriptions
Price: 19.99 USD
Rating: 4.8 (50 reviews)
Author: Viral App Labs LLC

Cancel MoneyLion in the app: Profile → Settings → Manage Membership → Cancel my membership, or call 1-888-704-6970. A WOW monthly cancellation takes effect on your next Billing Date; Credit Builder Plus ends the day you cancel but has a two-month initial commitment. Fees are non-refundable. Deactivating the MoneyLion account itself is a separate call to 1-844-224-0087.

Menus and labels can change. If the steps below don’t match what you see, use the official help link on this page.

How are you billed?

Cancel your MoneyLion membership in the app Cancel a membership by phone Cancel Credit Builder Plus (loan attached)Deactivate the whole MoneyLion account

Fast answer

Where to start with MoneyLion

Open official help

Can you cancel online?: yes
Where to start: MoneyLion app → Profile → Settings → Manage Membership
Apple or Google billed?: Not commonly documented
Keeps access until: WOW monthly: your next monthly Billing Date, shown in the MoneyLion app. Six-month and annual WOW Terms: the end of the current Term. Credit Builder Plus: benefits end on the date of the cancellation, not at the end of a billing cycle.
Contract / fees: MoneyLion One renews automatically each month until cancelled and can be cancelled any time in the app (per moneylion.com). The WOW Membership Agreement additionally offers six-month and annual Terms, which renew at the end of the Term unless cancelled, and which refund unused months only if you cancel inside a one-month "Cancellation Window" at the start of each Term. Credit Builder Plus carries an initial commitment period of two months, beginning on the date your first Membership Fee payment is processed — you may cancel at any time following that two-month period. Credit Builder Plus is also the real lock-in: MoneyLion documents that if you have taken a loan, withdrawals from the Credit Reserve Account are not permitted until the loan is paid off in full, and the account cannot be closed until all principal, accrued interest and fees are repaid. A $0.25 ACH Withdrawal Charge applies to withdrawal or liquidation requests relating to the Investment Account. No early-termination fee is documented for any membership.
Verified on: 2026-07-26

Step-by-step cancellation

These steps only appear when the flow was verified against an official provider or platform source.

Cancel your MoneyLion membership in the app

1
Open the MoneyLion app and sign in to the account the membership is billed to.
2
Go to the Profile section of the app, then select Settings → Manage Membership → Cancel my membership. (The WOW Membership Agreement refers to this control as "Manage My Membership"; the app and website label it "Manage Membership".)
3
Choose to cancel the membership. Monthly plans can be cancelled at any time.
4
Check the Billing Date shown in the app — cancelling before your next Billing Date is what stops the next charge.
5
Confirm. On a monthly plan the effective date of cancellation is the next monthly Billing Date, and you keep membership benefits until that date.
6
If you cannot complete it in the app, MoneyLion also lists membership support at 1-888-704-6970, and (516) 916-5466 or support@moneylion.com on its membership page.

Cancel a membership by phone

1
Call MoneyLion membership support at 1-888-704-6970. MoneyLion's membership page also lists (516) 916-5466 and support@moneylion.com.
2
Ask to cancel the membership and give the details of the account it is billed to.
3
Confirm the effective cancellation date: a WOW monthly membership runs to your next Billing Date, while Credit Builder Plus is effective on the date of cancellation.
4
On a six-month or annual Term, ask specifically whether you are still inside the one-month Cancellation Window that allows a refund of unused months.
5
Keep a record of the call — the effective date is set from your cancellation request.

Cancel Credit Builder Plus (loan attached)

1
Note first that Credit Builder Plus has an initial commitment period of two months, beginning on the date your first Membership Fee payment is processed. You may cancel at any time following that two-month period.
2
Cancel Credit Builder Plus in the MoneyLion App or by calling MoneyLion at 1-888-704-6970.
3
Your cancellation becomes effective on the date of the cancellation, and membership benefits end from that date.
4
Expect to be charged a Membership Fee for any month in which you had access to, or were using, any Membership Services.
5
If you took a Credit Builder loan, withdrawals from the Credit Reserve Account are not permitted until you have paid off the loan in full.
6
You may not close your Credit Reserve Account until all principal, accrued interest and fees on the loan are repaid in full.
7
Note a $0.25 ACH Withdrawal Charge applies to withdrawal or liquidation requests relating to your Investment Account.

Deactivate the whole MoneyLion account

1
Understand first that cancelling a membership does not close your MoneyLion account or your financial products — they continue under their own product agreements.
2
Call MoneyLion at 1-844-224-0087 and ask to deactivate the MoneyLion account.
3
Be ready for prerequisites: the Terms note your ability to terminate can depend on which financial services you have used and which accounts remain open.
4
Settle or close the underlying products (Spend/RoarMoney, Instacash, Credit Builder) as required before deactivation can complete.
5
Confirm with the agent that the account is deactivated and that no further membership fees will be charged.

Expect a retention offer

• Membership renews automatically each billing cycle unless you cancel before your next Billing Date
• Enrollment promotions convert to a paid membership — if you do not cancel before the promotional period ends, you will be charged
• Six-month and annual WOW Terms refund unused months only inside a one-month Cancellation Window at the start of each Term
• Credit Builder Plus has a two-month initial commitment period before you can cancel
• Cancelling the membership leaves the MoneyLion account and its financial products open, so a separate phone call is needed to deactivate the account
• Credit Builder Plus ties account closure to loan repayment — the Credit Reserve Account cannot be closed until the loan is fully repaid

Decline script

“Please cancel my subscription effective today and email me a confirmation. I'm not interested in a discount or pause.”

Common problems

Only official-source troubleshooting notes are included here.

What happens after you cancel?

Post-cancellation details like access, downgrade behavior, and refund caveats are shown only when the provider documents them.

A WOW monthly membership stays active until your next Billing Date and then does not renew; Credit Builder Plus benefits end on the date of the cancellation.
You lose members-only benefits, and pricing, rates and rewards revert to non-member terms.
Your MoneyLion financial accounts stay open and continue under their own product agreements.
Any Credit Builder loan still has to be repaid in full, and the Credit Reserve Account cannot be closed until all principal, accrued interest and fees are paid.
Deactivating the MoneyLion account itself is a separate step that requires calling support.

Refund notes

MoneyLion documents that membership fees are generally non-refundable once charged. The WOW Membership Agreement sets the plan-specific rule: monthly fees are non-refundable once payment is processed, while six-month and annual Terms can be refunded for unused months only if cancelled within the first month of each Term (the "Cancellation Window") — after that window there is no refund for the remainder of the Term. The WOW agreement documents enrollment promotions rather than a trial: if you do not cancel before your promotional period ends, you will be charged. For Credit Builder Plus, cancellation is effective on the date of the cancellation and MoneyLion charges a Membership Fee for any month in which you had access to, or were using, Membership Services.

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FAQ

Does cancelling my MoneyLion membership close my MoneyLion account?

No. The MoneyLion WOW Membership Agreement states that cancelling the membership does not close or change any financial products you hold — your Spend/RoarMoney account, Instacash and any investing relationship stay open under their own product agreements. To deactivate the MoneyLion account itself, the Terms of Service direct you to call 1-844-224-0087.

Where do I actually cancel a MoneyLion membership?

In the MoneyLion app. MoneyLion documents the path as Profile → Settings → Manage Membership → Cancel my membership; the WOW Membership Agreement refers to the same control as "Manage My Membership." MoneyLion also lists membership support at 1-888-704-6970, plus (516) 916-5466 and support@moneylion.com on its membership page. Deleting the app does not cancel anything.

Will MoneyLion refund the membership fee I already paid?

Generally no. MoneyLion documents that monthly membership fees are non-refundable once payment is processed. On six-month and annual WOW Terms, unused months are refundable only if you cancel inside the one-month Cancellation Window at the start of each Term. For Credit Builder Plus, MoneyLion charges a Membership Fee for any month in which you had access to, or were using, Membership Services.

Does an outstanding Instacash advance stop me from cancelling MoneyLion?

MoneyLion's published Instacash terms do not state that an open advance blocks membership cancellation, and the membership fee is separate from the advance itself — Instacash does not require a paid membership, though MoneyLion says members get higher limits. Credit Builder Plus is different: it has a two-month initial commitment period, and its loan must be repaid in full before the Credit Reserve Account can be closed.

When does a MoneyLion cancellation take effect?

It depends on the membership. A WOW monthly membership stays active until your next monthly Billing Date, and you keep member benefits until that date. Credit Builder Plus cancellation is effective on the date of the cancellation, and it can bill weekly, bi-weekly, semi-monthly or monthly. On six-month and annual WOW Terms, unused months are refundable only within the first month of the Term.

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