By Audrey Kemp, LA Reporter

November 30, 2022 | 4 min read

SNL star Heidi Gardner is visibly jolly about financial literacy and windfalls of cash in MoneyLion’s newest ad.

This holiday season, MoneyLion is giving away a cash bonus to those who “work their elfing asses off” as part of its ’Holiday bonus’ campaign.

To spread the word, the fintech enlisted Heidi Gardner to star in a one-minute spot highlighting its services and holiday sweepstakes. In the ad, the SNL cast member transforms from an elf into various hard workers, including a fast food worker, an elementary school teacher, a food delivery worker and a barista. Each is eligible for the cash prize and can benefit from MoneyLion’s products.

To participate in the sweepstakes, consumers can nominate someone they feel deserves a holiday bonus through MoneyLion’s social channels, giving the nominee a chance to win the cash bonus.

Gardner also informs the viewer about services available for the “elf employed,” which can bring their credit scores “from naughty to nice.”

The campaign is currently circulating across CTV, social media, within the MoneyLion app and website, email and NYC-based out-of-home (OOH) until December 30.

Malka Media, the creative agency behind MoneyLion’s 23XI Racing partnership starring Nascar driver Bubba Wallace, ideated and produced the campaign.

Suggested newsletters for you

Daily Briefing


Catch up on the most important stories of the day, curated by our editorial team.

Ads of the Week


See the best ads of the last week - all in one place.

The Drum Insider

Once a month

Learn how to pitch to our editors and get published on The Drum.


Brand: MoneyLion

Chief content officer: Jeff Frommer

Director of brand marketing: Tim Binder

Creative director: Claudio Eduardo Vieira


Lead talent: Heidi Gardner

Parts model: Shane Duffy

Create agency: Malka Media

Supervising producer/co-director: Will Keesee

Co-director: Brad Howell

Producer: Devon Honeyman

Interested in creative campaigns? Check out our Ad of the Day section and sign up for our Ads of the Week newsletter so you don’t miss a story.

Finance Creative Works US Ad of the Day

More from Finance

View all