What Is Grid Money Cash Advance?

What is Grid Money cash advance?

Last Updated: Nov 13, 2025

Grid Money’s cash advance (called Levels) lets you borrow interest-free amounts that grow from $50 up to $200 as you show on-time repayment. You’ll need an active bank account with regular direct deposits and a $10 per month Grid+ membership (or a successfully repaid prior advance). No credit check, interest, or late fees apply, but you can only have one advance open at a time.

Funding is flexible: get a free 1–3-day ACH transfer to your bank, a free same-day transfer to the Grid Card, or pay a $2.99 expedited fee to land the money on an external debit card within minutes. Repayment is taken automatically from your next paycheck—Grid can split it across two paychecks and uses an overdraft safeguard to avoid negative balances.

Eligibility is reviewed continuously based on your deposit history, account activity, and prior repayment behavior, so your available advance amount can change over time.

Does Grid Money give cash advances?

Yes. Grid Money lets members tap an interest-free cash advance that starts at $50 and can climb to $200 as you borrow and repay on time. You’ll need the $10-per-month GRID+ membership, but there’s no credit check, interest, or late fees. Pick your funding speed: free ACH to your bank in 1–3 days, free same-day transfer to the Grid Card, or an instant drop to a linked debit card for $2.99. Repayment is automatic—either one withdrawal from your next paycheck or two equal pulls over your next two paydays—and you can’t open another advance until the current one is repaid and three business days have passed.

Grid Money cash advance requirements

Linked account: Keep an active checking account or debit card connected so Grid can track balances and transactions.
Direct income: Regular direct-deposit paychecks into that account are required; Grid bases eligibility and due dates on them.
Grid+ status: Hold an active Grid+ subscription or have already repaid at least one prior Grid Advance.
Repay first: Only one advance can be open at a time; the current one is auto-deducted from your next paycheck (or split across two) before you can request another.
Ongoing review: Grid continually checks recent deposits, balances, spending, tax-refund estimates and your repayment history to set your advance size.
Credit-free: No hard or soft credit pull. Start at $50 and, with on-time repayments, climb to a max of $200.

Grid refreshes eligibility every day, so consistent income and prompt repayments are the quickest way to unlock larger advances.

Other features

Beyond straight-up cash advances, your $10 Grid+ membership opens a few extra tools that can smooth out cash flow and build credit.

PayBoost

Grid lets you tap into your upcoming tax refund a little at a time. You can roll up to $250 of that expected refund into each paycheck, so you get a small boost twice a month instead of one big lump next spring.

Credit-building tools

If your goal is to thicken your credit file, Grid offers two routes. First is the Grid Card, a secured card where you choose the limit by depositing up to $3,000. There’s no interest, no late fees, and purchases can earn up to 2 % cash back while on-time activity gets reported to the bureaus. Second is a no-credit-check installment line that also reports payments and skips late fees altogether. Both features can work alongside the cash-advance product, and the card even receives same-day advance transfers.

Income Protection add-on

For a little extra each month you can tack on coverage that kicks in if you lose your job. The payout is designed to help keep your repayments and other bills current while you look for new work.

Grid Money app review

By Editorial Team