Cash Advance Apps
How does Grid Money cash advance work?

How does Grid Money cash advance work?

By Editorial Team
Last Updated: Apr 29, 2025

Grid Money is a cash advance app that lets you access up to $100 before your next paycheck. It's pretty straightforward: you download the app, sign up (there's a $10 monthly subscription fee), link your bank account, and request an advance. They don't charge interest or late fees, and you repay the advance when you get paid. If you need the cash fast, you can pay an extra $2.99 for instant delivery within 8 hours, or get it in 1-3 days at no extra cost.

How to get a Grid Money cash advance: step-by-step

To get a cash advance from Grid Money, follow these steps:

  1. Subscribe to Grid+: Ensure you're a Grid+ subscriber or have previously taken an Advance from Grid.
  2. Connect your bank account: Link your bank account to Grid and provide access to your financial information, including your payroll account.
  3. Set up direct deposit: Establish a direct deposit relationship between Grid and your linked bank account, and allow Grid to monitor your account to assess your anticipated income and tax refund.
  4. Request an advance: When offered an Advance by Grid, choose to receive it and select the amount you're eligible for (up to $50 for the first advance and up to $100 for future advances based on your repayment ability and history).
  5. Select delivery speed: Decide whether to receive the Advance in 1-3 days to your bank account or pay a $2.99 fee to get it within 8 hours to your linked debit card.
  6. Receive funds and repay: Receive the Advance in your bank account or debit card, and repay it according to the method specified in Grid's terms.

Table of contents

How to get a Grid Money cash advance: step-by-stepAdvance amounts, fees and repayment termsHow long does Grid Money cash advance take?What do Grid Money users say about funding speed?

Advance amounts, fees and repayment terms

Advance amounts
$50 - $100
Monthly fee
$10.00
Time to get cash
1 to 3 days
Expedite fee
$2.99 per instant deposit
Time to get cash with express fee
Minutes

How long does Grid Money cash advance take?

You will typically receive your cash advance in 1 to 3 days with the free standard transfer.

If you need the money sooner, you can pay a $2.99 fee to get it within minutes via instant deposit to your linked debit card.

What do Grid Money users say about funding speed?

Out of hundreds of reviews published in January through March 2025 that we analyzed, we found 50+ recent comments mentioning funding speed. Here’s what users say about it:

  • Fast and easy: Many users praise Grid Money for its quick funding process, often receiving advances instantly or within minutes. They describe it as "fast," "easy," and a real help when they need cash in a pinch.
  • Delays for some: Some users report delays in receiving their advances, with a few mentioning they never got the funds. Others note that after repaying an advance, they have to wait 3–4 business days before they can request another one, which they find inconvenient.

Overall, most users are pleased with Grid Money's funding speed, but a minority experiences delays or issues with timely access to funds.