MoneyLion vs Digital Federal Credit Union

MoneyLion is a costly credit builder loan with membership fees and high APRs. How does it compare to Digital Federal Credit Union? Read our comparison chart below.

	MoneyLion	Digital Federal Credit Union
	SPECIAL OFFER Up to $500 Instacash℠ advances - Learn More Read MoneyLion Review	SPECIAL OFFER Digital Federal Credit Union Primary Savings - Up to 5.50% APY - Learn More Read Digital Federal Credit Union Review
	Benefits and Features
Fees	$19.99 monthly membership	$0 (membership required)
Credit Building Tools	Credit Builder Loan	Credit Builder Loan
Credit Bureaus Reporting	3 Main Credit Bureaus	3 Main Credit Bureaus
Monthly Loan Payment	Depends on approved loan ($1,000 maximum)	Depends on loan amount ($500 - $3,000)
Loan Term	12 months	12 - 24 months
APR	5.99% - 29.99%	5%
Mobile App	Yes	Yes
	CreditDonkey® Reviews
Fees
Credit Building Tools
Credit Bureaus Reporting
Mobile App
Pros & Cons	Pros: Access your loan funds upfront Reports to 3 credit bureaus Free credit monitoring Cons: $19.99/month membership fees Not available in all states	Pros: 12-24 months repayment term Available in all 50 states No need to pay during the first 60 days Cons: Must be a DCU member Potential membership fees Late fees
Bottom Line	Costly credit builder loan with membership fees and high APRs... Read full review	Credit builder loan with low interests exclusively for DCU members... Read full review
	Up to $500 Instacash℠ advances Referral Program - $10 Bonus
Digital Federal Credit Union: Information sourced from the published website as of 05/15/2025.

Which is Better: MoneyLion or Digital Federal Credit Union?

In short: Digital Federal Credit Union's fees is notable.

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Which Do You Think is Best?