COMPARISON 2026
vs
Instant Funding vs Funded Elite
Detailed side-by-side comparison to help you choose the right prop trading firm.
Overall Winner: Funded Elite
Quick Overview
Instant Funding
Established 2021·United Kingdom
DynamiqScore4.4/5.0
Profit Split
60–95%
Evaluation Fee
$189+
Payout Frequency
weekly
Payout Speed
24–48 hours
Funded Elite
Established 2023·United Kingdom
DynamiqScore4.3/5.0
Profit Split
60–95%
Evaluation Fee
$13+
Payout Frequency
twice per week (requests)
Payout Speed
Within 24h
Detailed Comparison
| Instant Funding | Funded Elite | |
|---|---|---|
| Starting Capital | $625 – $300,000 | $5,000 – $300 000 |
| Max Capital | $3,840,000 | $300,000 |
| Profit Split | 60% – 95% | 60% – 95% |
| Evaluation Fee | $189 – $1399 | $13 – $1299Winner |
| Payout Frequency | weekly | twice per week (requests) |
| Payout Speed | 24–48 hours | Within 24h |
| Commission | $5/lot (Forex) | $3.5/lot (Forex) |
| Established | 2021 | 2023 |
| Country | United Kingdom | United Kingdom |
Challenge Rules
| Instant Funding | Funded Elite | |
|---|---|---|
| Daily Loss Limit | 5% | 5% |
| Phase 1 Profit Target | 10% | 8%Winner |
| Phase 1 Max Drawdown | 10%Winner | 8% |
| Phase 1 Time Limit | No limit | No limit |
| Phase 2 Profit Target | 5% | 5% |
| Phase 2 Max Drawdown | 10%Winner | 8% |
| Phase 2 Time Limit | No limit | No limit |
| Min Trading Days | 4 | 3Winner |
Pricing & Account Options
Instant Funding
$2,500
Instant
$225
$5,000
Instant
$295
$10,000
Instant
$495
Popular$20,000
Instant
$895
$40,000
Instant
$1695
Funded Elite
$7,000
2-Step Challenge
$89
$15,000
2-Step Challenge
$129
$25,000
2-Step Challenge
$199
$50,000
2-Step Challenge
$299
Popular$100,000
2-Step Challenge
$499
$200,000
2-Step Challenge
$899
$300,000
2-Step Challenge
$1299
Ratings & Trust
| Instant Funding | Funded Elite | |
|---|---|---|
| DynamiqScore | 4.4 / 5.0Winner | 4.3 / 5.0 |
| Expert Score | 4.5 (1 reviews)Winner | 4.3 (1 reviews) |
| User Score | 4.3 (2 reviews) | 4.3 (2 reviews) |
| Trustpilot Rating | — | 4.5 / 5.0 |
Features & Platforms
| Instant Funding | Funded Elite | |
|---|---|---|
| Trading Platforms | MetaTrader 5, cTrader, Match-Trader | MetaTrader 5, TradeLocker |
| Instruments | Forex, Indices, Commodities, Crypto | Forex, Indices, Stocks, Commodities, Crypto |
| Scaling Available | Yes | Yes |
| Max Scaling Amount | $3,840,000 (multi-account) | — |
Instant Funding — Unique Features
- No evaluation required (Instant Funding)
- No daily drawdown on IF accounts
- $18.7M+ paid out since 2023
- Scale up to $3.84M across accounts
- Weekly payouts, withdrawals from $25
- 82,000+ traders in 180+ countries
- 33-second average support response
- Support in 14 languages
- 8 industry awards
- IF Plus loyalty: up to +10% split
Key Selling Points
- No evaluation required with Instant Funding accounts
- No daily drawdown on flagship IF accounts
- $18.7M+ paid out since 2023
- Scale up to $3.84M across accounts (each doubles at 10%)
- Weekly payouts, withdrawals from $25
- 82,000+ traders across 180+ countries
- 33-second average support response time
- Support in 14 languages
- 8 industry awards
- IF Plus loyalty program: up to +10% profit split
Funded Elite — Unique Features
- Automatic Free Retry (Second Chance)
- Flash Activation: start for $5
- Customizable profit split (60-95%)
- Customizable leverage (1:30 to 1:100)
- Payout requests twice per week
- Up to $300K funding
- Lite challenges from $13
- MetaTrader 5 and TradeLocker
- 5 markets incl. Stocks
Key Selling Points
- Automatic Free Retry (Second Chance system)
- Flash Activation: start any account for $5, pay after passing
- Customizable profit split (60-95%) at checkout
- Customizable leverage (1:30 to 1:100)
- Payout requests twice per week
- Up to $300K simulated funding
- Lite challenges from just $13
- Officially licensed MetaTrader 5 and TradeLocker
- 5 markets: Forex, Stocks, Indices, Commodities, Crypto
- 24/7 support on chat and Discord
Our Verdict
Funded Elite wins in 4 of 9 categories
Funded Elite has an edge over Instant Funding, based on our data-driven analysis across multiple comparison criteria.
Related Comparisons
Frequently Asked Questions
Which firm has better profit split?
Instant Funding (95% vs 95%)
Which firm has lower evaluation fees?
Funded Elite ($13 vs $189)
Which firm has more lenient trading rules?
Funded Elite
Can I have accounts at both firms?
Yes, most traders hold accounts at multiple prop firms simultaneously to diversify and take advantage of each firm's unique benefits.
