Instant Funding Review: All Pros and Cons of the Prop Firm

Last updated on March 20, 2025 Reading time: 15 Min.

Written by: Andre Witzel

Fact checked by: Johannes Striegel

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How we make money

12345

4.5

Rating by Witzel Trading

User’s Rating

12345

4.6

3 Positive 0 Negative

Instant Funding Ratings:

Profit Share

5 / 5

Platforms

4 / 5

Support

5 / 5

Tools

4 / 5

Trust Score

95 / 100

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WR Trading has evaluated online trading platforms for over 12 years, earning respect in the industry. We gather extensive data points annually and publish meticulously researched reviews. Our thorough testing process analyzes critical aspects such as usability, fees, customer service, and trading features. We aim to provide unbiased, data-driven assessments to help traders make informed decisions. Learn more about our rigorous testing methodology and why traders worldwide trust our evaluations. Read our review methodolgy.

Facts about the prop trading firm

Free Trial: No

Costs: $79, $120, $225, $440, $870, $1,735, & $3,460 for Instant Funding // $99, $149, $269, $479, and $925 for One-Step and two-step accounts

Challenge: One-step and two-step Evaluation - Instant Funding Challenge & Verification to Become an Instant Funding Trader

Minimum Trading Days: Unlimited

Drawdown: 10%

Profit Share: 80/20 Split with a Growth Chance of 90%

Minimum Balance: $1,250

Instant Funding: Yes

Withdrawals: 14 Days after the first trade.// Subsequently, every seven days

Payment methods: Rise Pay (Crypto, Bankwire, Credit Cards)

Trading Instruments: Major & minor currency pairs, major & minor indices, commodities, cryptocurrencies

Platforms: MT4, MT5, cTrader, DXtrader

Support: support@instantfunding.io

Instant Funding Pros And Cons list:

• There’s an option for instant funding
• There’s no expiration on each prop trading account
• There’s a reasonable prop trading profit split
• The accounts are affordable, with many different options
• Instant Funding sometimes generously slashes the cost of each account

• There’s no refundable fee
• Minors are not allowed to trade with Instant Funding

Visit website Warning: Your Capital is at Risk!

As a trader, one of the biggest hurdles between you and your dream life is the absence of funding capital. That problem is solved by Instant Funding, a legitimate proprietary firm, which is the subject of this blog post’s discourse.

We’ve reviewed Instant Funding prop firm and are ready to tell you all the pros and cons. We’re also prepared to discuss the types of accounts and how much you’ll spend on each.

Summary of Our Expert:

Andre Witzel

Trader & Editor-in-Chief

I’d recommend Instant Funding to both newbie and veteran prop firm traders since it offers an immediate funding option without going through a series of challenges. It’s also a respectable option due to the assured payouts, reasonable account sizes and fees, and its overall credibility.

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3 Instant Funding Customer Reviews And Ratings

Customer reviews are crucial for gaining a comprehensive view of the services offered. All user reviews are published according to our Review Guidelines.

At the moment we have 3 reviews from Traders about Instant Funding. Of the reviews, 100% are positive and 0% negative. On a star scale of 1 to 5, this results in an average rating of 4.6, which can be classified as positive.

All (3) Positive (3) Negative (0) Give your rating

User review

12345

4.5

 

Profit Share

5

Platforms

5

Support

5

Tools

3

Jonathan L. 20.08.2024

Instant Fuding is a pretty solid prop firm overall, I’ve been with them for a few months now and my experience has been positive. They’ve got a decent payout system, and I’ve never had issues with getting my money on time. The customer support team is also friendly and helpful whenever I had questions. But to be honest, their trading tools could use some work. The interface feels kinda outdated and sometimes it’s slow to load, which can be frustrating when you’re trying to make quick decisions. Also, they could add more advanced charting options, it’s pretty basic compared to some other platforms I’ve used.

User review

12345

5

 

Profit Share

5

Platforms

5

Support

5

Tools

5

NarendaC 12.08.2024

Transparent about everything, Payouts in less than 24 hours, good support team, Active discord and fast replies even on emails. Really nothing more you can want, they are as professional as it gets and its awesome that you can withdraw your profits every week or so. Their instant account feature made it so easy for me to get started as well.

User review

12345

4.3

 

Profit Share

4

Platforms

5

Support

4

Tools

4

Lucy 03.08.2024

Straightforward platform, quick sign ups and registrations. Got free challenge account from one of their affiliates. Hoping to reach getting funded soon too. Thanks James for helping me out with my questions and giving all the information I needed. Would recommend it if you're looking for a platform to get started with!

What is Instant Funding? 

Instant Funding was established in 2022 by a UK firm. Since then, it has never failed to provide a glitch-free and resounding platform for traders needing prop trading capital. So far, thousands of freelance financial markets analysts have signed up and gotten paid as promised. Wherever you’re located, you’re welcome to give Instant Funding a shot at financing your prop trading dreams and career.

We observed that Instant Funding has a solid reputation according to Trustpilot and other credible sources. During our review, we signed and applied for instant funding. We conclude that Instant Funding is not a sham and is worth considering.

Is Instant Funding Legal?

Yes, Instant Funding is legal. It’s a proprietary trading firm that complies with all relevant company requirements in the UK. Naturally, you’ll want to avoid investing your time, money, and energy into a prop firm that could have issues with the Commodity Futures Trading Commission.

We’ve done our due diligence to review the possibility of legal issues. Based on its policies and offers, you can remain rest assured that Instant Funding is in the clear. It’s an upstanding UK firm with a great team of solicitors working around the clock to satisfy legal requirements.

Typically, proprietary firms do not need the same level of regulation as other investment and brokerage businesses. However, there are specific legal regulations all companies must comply with. The Instant Funding team has assured us vehemently that their lawyers are leaving no stone unturned.

What Are The Prop Trading Account Types with Instant Funding?

Instant Funding 

One-Phase

Two-Phase 

There are three prop trading account types on Instant Funding. They include:

Instant Funding – Leverage: 1:100 

This particular offer has no time limits, no profit target, and zero daily drawdown. However, you can’t lose over 10% of your account size. Keep up with Instant Funding’s trading rules and you could qualify for 70 to 90% of your trading profit.

From our observation, the best candidates for this leverage offer are traders with significant confidence in their skills. The Instant Funding account was built for you if you’re experienced and consistently trade efficiently.

One-Phase – Leverage: 1:100

The one-phase trading account has a single trading evaluation that qualifies you for capital when the requirements are met. There are five account sizes with zero trading deadlines, 10% overall allowable loss, and 3% daily drawdown.

The profit target is 10% of your account size, while you get up to 90% of the profit realized.

Two-Phase – Leverage: 1:100

Finally, the two-phase account requires interested traders to pass a two-tiered challenge. Once you conquer the evaluation and verification challenges, you can start trading with a chunk of capital.

Your account has no time limit, and you can withdraw 70 to 90% of your profit. However, you must stick with Instant Funding’s trading requirements, including the 4% daily drawdown and 10% overall allowable loss. 

What Are The Challenges and Costs of Instant Funding?

Every trader looking for funding from Instant Funding has three account options. The accounts are funded with zero evaluation, one evaluation, or two challenges. These are the costs and prop trading requirements:

Instant Funding

You can get instantly funded without passing through the usual challenges. We observed that this option requires paying fees for a smaller account size compared to the one-phase and two-phase alternatives.

These are the fees for each account size:

• $79 for $1,250
•  $120 for $2,500
• $225 for $5,000
• $440 for $10,000
• $870 for $20,000
•  $1,735 for $40,000
•  $3,460 for $80,000

There are no trading time limits associated with these or any of the other Instant Funding accounts. However, the instant funding account is the only option with no prop trading target. You can increase your capital to $1.28 million, with a profit split of 70% to 90%. This account has no maximum daily trading loss, but you can’t lose over 10% of your total account size. 

One-Phase 

The one-phase Instant Funding prop trading account requires you to pass a single evaluation challenge. Meet your profit target, and the account can belong to you perpetually. That is until you violate your daily and overall drawdown.

These are the account sizes and their fees:

• $119 for $12,500
• $205 for $25,000
• $319 for $50,000
• $529 for $100,000
• $1075 for $200,000

Like all the other Instant Funding tiered challenges, this account comes with regulations. For starters, you can’t afford to lose over 10% of your overall account. There’s a 10% profit target, but you can trade for any number of days. Also, avoid losing more than 3% daily, and you’ll become eligible for payouts.

Two-Phase

We evaluated Instant Funding’s two-phase challenge as well. The rules are simple – you have to hit two different profit targets to become a certified prop firm trader.

For the first challenge, you’re expected to make 8% of your account in profits. The verification stage requires an account increase of 5%, after which you can retain your funding for as long as you like. Of course, the condition remains that you avoid losing more than 4% every trading day.

Overall, you should never risk more than 10% of your capital.

These are the different account sizes and how much you’ll pay for each:

• $108 for $12,500
• $205 for $25,000
• $319 for $50,000
• $529 for $100,000
• $1075 for $200,000

Are There Promo Code for Rebates On Instant Funding?

Instant Funding promo codes can be found all over the internet. You can use some of these rebates for cheaper accounts:

• PRAISEFX – 10% Off
• FIRST30 – 30% Off Trading Fees
• PROPCHOICEMATCH – 10% Off and A Free Account After Your First Payout
• MARKUS – 10% Off
• PFA10 – 10% Off

What Are The Payouts On Instant Funding?

Instant Funding is renowned for its timely payouts. It has a regulated structure to ensure withdrawals are consistent. We discovered that every eligible trader qualifies for their first payout exactly two weeks after taking the first trade. However, you’d need to have made a profit of at least $25 (after deducting Instant Funding’s 10 to 30% share).

Withdrawals are strictly limited to Rise Pay, an online payment system accessible worldwide. For traders who don’t have an account yet, you need to create one when you want to withdraw from the Instant Funding proprietary firm.

That’s for first-time Instant Funding prop firm traders. For users who’ve withdrawn their first payout, the payment intervals will reduce from two weeks to 7 days. Payments can be scheduled every Monday if you’re skilled enough to surpass the $25 threshold consistently.

Note that it takes 24 hours to complete a withdrawal request during business days. Furthermore, you cannot process your payouts on UK holidays and weekends.

Which Trading Platforms Are Available On Instant Funding?

In the spirit of embracing different prop trading backgrounds, Instant Funding provides four different platforms for executing trades. These include:

cTrader

cTrader is a popular trading platform because of its interface, charting style and tools, and easy trade execution. It’s one of the alternatives when trading with Instant Funding. We observed that you can place trades with your Instant Funding capital, check the charts to plan your entries, and maximize your overall prop trading experience.

cTrader can be accessed directly from the Instant Funding website. Don’t have an account yet? Create one directly from your Instant Funding user dashboard. Alternatively, you can download the cTrader app on your phone or laptop and connect it to your Instant Funding account to trade directly.

DXtrade

Another great option for entering and exiting different markets is DXtrade. It gives a wholesome experience without exposing you to unnecessary prop trading delays and complications. With DXtrade, you can easily access all the necessary tools for a great trade, including indicators, stop-loss and take-profit orders, and state-of-the-art chatting tools.

DXtrade will be connected directly to your Instant Funding through the Instant Funding website. This is because DXtrade does not have an app that you can download.

MT4

MT4 is one of the oldest and most reliable trading platforms. Every trader has dabbled with this charting platform at some point, and some still enjoy its services.

For traders in the latter category, you’ll be pleased to know that you can trade with Instant Funding without disconnecting from MT4. It’s as simple as getting your login details from the Instant Funding proprietary firm and signing into the MT4 database.

MT5

Many traders will argue that MT5 is an improved version of MT4. They would be right. MT5 has many state-of-the-art add-ons, and the fact that it’s free sweetens the deal. For ease in planning, executing, and exiting, MT5 is beyond satisfactory.

Which Broker is Used By Instant Funding?

A broker is an important middleman between traders and the actual markets. You’d need a broker if you’re placing your money live in currencies or commodities. However, a broker is unnecessary because you’re trading with a proprietary firm. Prop firms are a form of brokerage themselves.

That’s because prop firm trading is not real-money trading. Instead, it’s done with paper money, a demo account. We’ll avoid getting into details, so the summary is that prop firms simulate live trading. They don’t give you real capital but instead, replicate some of your trades in-house. That’s why you can pay much less for a huge trading capital. Since this is the case, Instant Funding does not need or use brokers.

Taxes on Instant Funding

Many prop firm traders often make the mistake of classifying the profits made from prop trading as capital gains tax. The reality is that any profit you make is considered a gain from self-employment, so you’ll have to pay your taxes according to entrepreneurship regulations.

Taxes vary from country to country, and there’s often a minimum requirement before you get taxed, so you’ll want to understand your state’s stance.

Support and Education

We reached out to support and discovered that Instant Funding provides a hands-on customer support service. There’s a live chat you can use if you want instant interaction with the firm’s representatives. You can find it at the bottom of the website.

You can also send an email to support@instantfunding.io. In addition to these, there’s an active discord page with more than 20,000 members. Check here for assistance if required. Finally, there are Twitter, Telegram, Instagram, Facebook, LinkedIn, and YouTube accounts for Instant Funding. Don’t hesitate to tag or send a direct message if all other communication channels fail.

What Are Alternatives Of Instantfunding.io?

Fortunately, traders are not restricted to Instant Funding, FTMO, and FundedNext alone. We have reviewed other credible options, including:

The Trading Pit

We recommend The Trading Pit as one of the top alternatives to Instant Funding, FTMO, and FundedNext. The Trading Pit has excellent ratings on Trust Pilot, collaborates with TradingView, and offers great funding deals.

There are different accounts to accommodate various budget sizes, and you get to trade CFDs and futures markets. It’s a great fit for prop firm traders in the USA and other states where other prop firms are prohibited.

Apex Trader Funding

Another highly-rated prop firm within your reach is Apex Trader Funding. Not only do you get funded through a single-step evaluation process, but you’re not subjected to daily drawdowns and news trading restrictions. The leverage is capital, profit, and trading-friendly, and Apex Trader Funding creates an immersive atmosphere for newbie and veteran analysts.

You can get up to 300K in prop firm funding, too.

5%ers

We think highly of 5%ers because it lets you trade different markets, including stocks, forex, metals, indices, commodities, and crypto. The deal sweetener is that you can get up to $4 million in prop firm trading capital.

5%ers has good internet credibility, so you can rest assured that your payouts will be gotten when deserved. The downside is that 5%ers is unavailable to prop firm traders in the US.

Leeloo

Leeloo has different trading accounts to suit diverse trading styles and personalities. There are entry accounts for traders on a tight budget, foundation accounts that provide huge capital, bundle accounts, and weekly accounts.

Some of these accounts have recurring fees, while others have a one-off payment. Ultimately, Leeloo is legitimate, and payouts are structured and reliable.

Conclusion

Instant Funding is a legitimate and affordable prop firm that makes achieving your prop trading goals more feasible. For any aspiring trader limited by capital, you can rectify that by getting an Instant Funding account. Of course, you must have tenable prop trading skills and risk management strategies to enjoy longevity in proprietary firm trading. Instant Funding is ready to fund you if you’re up to the task.

Frequently Asked Questions on Instant Funding:

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Andre Witzel

Expert of WR Trading

Trader and Founder

Andre Witzel is a trader and the founder of WR Trading. He started trading in 2015 next to his bachelor degree in economics. He is specialized on day trading and scalping the S&P500 Index. With high risk reward ratios he developed a strategic approach to beat the market and find the right directions.