Cash Advance Apps

Is Grid Money app legit?

Last Updated: Nov 13, 2025

Grid Money is a real cash-advance service run by Hatfield, Inc. out of San Francisco. The app offers interest-free advances that start at $50 and can grow to $200 as you repay on time, with free 1–3-day delivery (or instant funding for a $2.99 fee). Although the product itself is legitimate, 196 formal complaints have been filed in the last three years—69 of them in the past 12 months—citing issues such as unauthorized $10 Grid+ subscription withdrawals, inaccurate credit-bureau updates after bankruptcies, and overdraft-triggering retry attempts. Keep those concerns in mind when deciding whether to use the app.

How reliable is Grid Money?

Most recent Grid Money reviews point to a generally dependable service that’s quick in emergencies, though a handful of users run into bumps along the way. Here’s the gist:

  • Instant cash: Dozens say funds hit their account in seconds or minutes, making Grid handy “in a pinch.”
  • Consistently available: Many mention advances are “always there” or “always approved,” so the app rarely leaves them hanging.
  • Fair costs: Users like the low or no‐hidden‐fee setup and note that repayments feel flexible compared with pricier competitors.
  • Slow support: A few reviewers report customer service replies can drag on for days, which is frustrating if something breaks.
  • App glitches: Isolated comments cite slow refreshes, conflicting account info, or occasional reliability hiccups.

How much can I get from Grid Money?

Grid Money advertises a max cash advance of $200, but reviews suggest most people start small and may or may not climb higher over time.

  • Quick $30-$50: many first-time users say they were approved for $30–$50 within minutes.
  • Can grow: a handful report rising to about $100 after a few on-time repayments.
  • Stuck at $50: several subscribers complain their limit never budged past $50–$60 despite paying the $10 monthly fee.
  • Rare $200: no reviewer mentions actually reaching the full $200, so treat that figure as the ceiling rather than an expectation.
App reviews talking about Loan Amounts:
"...started me off at $50 with chances to increase in time!"
"Each time you pay them back, they increase your advance!"
"...they give you $30 to start off but as you pay back on time or before time it will gradually increase..."

What users say?

Positive
1%
Negative
99%
Many users complain about the difficulty of canceling their subscriptions with Grid Money. Despite attempts to cancel, users report being continuously charged monthly fees, often without any response from customer support. The process to cancel seems cumbersome, requiring interaction with customer service, which is often unresponsive or provides automated replies. This has led to frustration and accusations of fraudulent practices, with some users resorting to blocking transactions through their banks or considering legal action. The sentiment is overwhelmingly negative, with users feeling trapped in a subscription they no longer want.
App reviews talking about Subscription Cancellation:
"...I canceled my services on September 3 and they have still taken money from me..."
"I canceled my grid membership the beginning of 2025 and it is now October, I am still being charged..."
"...I canceled my subscription, no longer needed help. Every month, you still take out $10 subscription fee..."

Scam reports

We sifted through about a hundred recent App Store reviews that call Grid Money a scam or fraud. Many of them say the same thing: money keeps coming out of their bank even after they cancel, and customer support either goes silent or sends the same canned reply.

Plenty of users also report never receiving a promised $30-$70 advance (or a cash-out from the Play & Earn side) yet still being billed a $10-$15 monthly fee. A handful have already filed disputes with banks, complaints to the CFPB, or even talked about lawsuits because Grid won’t remove their debit info or stop ACH pulls.

A smaller but worrying chunk mention having to upload photo IDs and then seeing odd charges or hacked accounts afterward, which feeds fears of data misuse. Taken together, the pattern is unwanted charges, missing funds, and almost no way to reach a real person—so factor that in before you link a bank or card.

App reviews talking about Scam:
"...they took my money and cant explain where it is or why i don’t have it..."
"I have contacted Grid several times requesting that debit card/bank account be removed..."
"...they will constantly take money from your bank account even months after you un subscribe..."
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