How does Grid Money cash advance work?

Download Grid Money on your phone and follow these steps:

1. Eligibility: Ensure you're eligible by subscribing to Grid+ or having taken a previous advance. If you prefer not to subscribe, email support@getgrid.app to request an advance without subscribing.
2. Link accounts: Connect your bank and payroll accounts and set up direct deposit with Grid.
3. Income monitoring: Allow Grid to assess your income and tax refund projections.
4. Receive offer: Get an advance offer based on your eligibility and accept it.
5. Choose amount: Select the amount you'd like—up to $50 for your first advance and up to $100 for future advances. The maximum amount advertised by Grid Money is $200.
6. Select repayment: Decide how you'd like to repay: one installment from your next paycheck or two installments from your next two paychecks (if eligible).
7. Funding speed: Choose the delivery method and funding speed.
8. Receive funds and repay: Get the advance in your account and repay as agreed.

You will typically receive your cash advance within 1–3 days using the free standard ACH deposit.

If you need the money sooner, you can opt for instant deposit to get your funds within up to 8 hours for a fee of $2.99. This fee will be repaid along with your advance amount in two weeks.

Out of hundreds of reviews published in April and May 2025 that we analyzed, we found 60+ recent comments mentioning funding speed. Here’s what users say about it:

• Fast for most: Over 50 users praise how quickly they received funds—often describing it as “fast”, “quick”, or “within minutes”. Many appreciated the easy setup and timely delivery when they needed it most.
• Delays for some: About 8 users report experiencing delays—citing waits of 2–5 days to receive advances or issues with funds not arriving as expected.

Overall, most users are happy with Grid Money's funding speed, but a few have faced unexpected delays.