6 Apps Like Grant Cash Advance with Better Rates & Terms in 2026

You can access up to $250 with the Cleo cash advance app, which is the same as Grant. But it also offers credit-building tools, which can help you raise your score and qualify for loans and other credit in the future. It has a high-yield savings account and welcomes gig workers or others with inconsistent income. But fees for instant transfers can reach up to $14.99, and you'll need a subscription to request advances through the app and access the credit-building features.

• Available in all states

• Why we like it

  You can access up to $250 with the Cleo cash advance app, which is the same as Grant. But it also offers credit-building tools, which can help you raise your score and qualify for loans and other credit in the future. It has a high-yield savings account and welcomes gig workers or others with inconsistent income. But fees for instant transfers can reach up to $14.99, and you'll need a subscription to request advances through the app and access the credit-building features.

• Pros and cons

  Pros

  • Credit-building tools
  • Good for gig workers
  • High-yield savings account

  Cons

  • Requires a monthly subscription
  • Fees up to $14.99 for same-day transfers
  • Credit-building subscriptions start at $10.99

• More details

  Loan amount	$20 to $250
  Loan Term	Next deposit
  Turnaround time	3 to 4 days or instant for a fee.

Unlike Grant, Chime MyPay doesn't require a monthly subscription fee. It's a line of credit that gives eligible users access to up to $500 between paydays — double what Grant offers. Instant transfers cost 3% of the advance amount ($2 minimum, $5 maximum); standard transfers are free. You'll need a Chime checking account with an activated debit card and at least $200 in qualifying direct deposits per month to qualify.

• Not available in: Colorado, Connecticut, Georgia, Illinois, Maine, Maryland, Massachusetts, Minnesota, Montana, Nevada, New Jersey, New Mexico, South Dakota, Vermont, Washington, Wyoming

• Why we like it

  Unlike Grant, Chime MyPay doesn't require a monthly subscription fee. It's a line of credit that gives eligible users access to up to $500 between paydays — double what Grant offers. Instant transfers cost 3% of the advance amount ($2 minimum, $5 maximum); standard transfers are free. You'll need a Chime checking account with an activated debit card and at least $200 in qualifying direct deposits per month to qualify.

• Pros and cons

  Pros

  • No monthly subscription fee
  • Access up to $500 per pay period
  • Instant transfer fee capped at $5

  Cons

  • Requires a Chime checking account and activated debit card
  • Must receive qualifying direct deposits of $200+
  • Only available in select states

• More details

  Loan amount	Up to $500
  Loan Term	Until next deposit
  Turnaround time	Instant transfers: 3% of the advance amount ($2 minimum, $5 maximum)

• Partner terms and conditions

  MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS 2316451). MyPay eligibility: Some Restrictions Apply. To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account in the preceding 36 days as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. Instant funds: Option to get funds instantly for a fee of 3% of the advance amount ($2 minimum, $5 maximum) per advance, or get funds for free within 24 hours. See Bancorp MyPay Agreement or Stride MyPay Agreement for details; see back of card for issuer. SpotMe: SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, "SpotMe"). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month. Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe terms and conditions. Early Pay: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Savings: Chime® Checking Account is required to be eligible for a Savings Account. APY: The 4.00% Annual Percentage Yield (APY) is only available to members with Chime Prime status, otherwise, either the 3.00% APY for members with Chime Plus status or the standard rate of 1.00% APY will apply. The APYs are effective as of 10/06/2026, are variable and may change at any time. No minimum balance required. Must have $0.01 in savings to earn interest. See Chime Membership Tiers Terms and Conditions for more details. Build credit: On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

Current offers advances up to $1,000, far more than the $250 Grant offers. It also doesn't charge a monthly membership fee and has a number of other useful banking features. Plus, you can trade crypto with no trading fees. But you'll need to receive at least $500 a month in eligible direct deposits.

• Not available in: Wisconsin

• Why we like it

  Current offers advances up to $1,000, far more than the $250 Grant offers. It also doesn't charge a monthly membership fee and has a number of other useful banking features. Plus, you can trade crypto with no trading fees. But you'll need to receive at least $500 a month in eligible direct deposits.

• Pros and cons

  Pros

  • Advances up to $750
  • No subscription required
  • Offers other banking features

  Cons

  • Need deposits of $500+ per month
  • Requires direct deposit

• More details

  Loan amount	$50 to $1,000
  Loan Term	Next deposit
  Turnaround time	Up to 3 days or within an hour for a fee

While most cash advance apps, including Grant, take repayment out of your next paycheck, Varo gives you up to 30 days to repay your advance. It also offers larger loans, with advances up to $1,000 without a subscription. And advances are instant to your Varo account. But it doesn't offer free fund transfers, which could cost as much as $100, depending on how much you borrow.

• Why we like it

  While most cash advance apps, including Grant, take repayment out of your next paycheck, Varo gives you up to 30 days to repay your advance. It also offers larger loans, with advances up to $1,000 without a subscription. And advances are instant to your Varo account. But it doesn't offer free fund transfers, which could cost as much as $100, depending on how much you borrow.

• Pros and cons

  Pros

  • Longer repayment terms
  • No monthly subscription required
  • Has credit-building and savings features

  Cons

  • No free transfer option
  • Transfer fees up to $100
  • Requires direct deposit

• More details

  Loan amount	Up to $250 today. Build up to $1,000 over time with direct deposit at Varo. Average loan: $195. Qualifications Apply.
  Loan Term	30 days
  Turnaround time	Instant, once qualified

• Partner terms and conditions

  Varo Advance qualification is subject to evaluation of consumer reports and Varo account activity. If approved, initial limits range from $20- $250. Unlock higher limits up to $1,000 over time when you bring your qualifying direct deposit to Varo and build a positive history with us. Negative repayment history may impact credit. Fees range from $1.60 - $100 based on loan amount, and deposits to your Varo Bank Account. Your current limit and applicable fees can be viewed in the Varo App. Qualifying direct deposits are electronic deposits of your paycheck, pension or government benefits (such as Social Security or unemployment) from your employer or government agency to the extent that can be identified. Tax refunds and government stimulus payments, Person-to-Person payments (such as Venmo +or Varo to Anyone), and funds deposited using a Varo routing number are not considered a direct deposit.

MoneyLion offers cash advances up to $500, or up to $1,000 if you have a RoarMoney account, making it a solid alternative to Grant. There are no credit checks, and funding can be quick. As a bonus, MoneyLion also gives you access to professionally managed investment portfolios with no trading fees and low monthly costs if you're interested in growing your money over time.

• Available in: Alabama, Arizona, California, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Louisiana, Maryland, Michigan, Missouri, New Mexico, North Dakota, Oklahoma, South Carolina, South Dakota, Texas, Utah, Washington, Wisconsin, Wyoming

• Why we like it

  MoneyLion offers cash advances up to $500, or up to $1,000 if you have a RoarMoney account, making it a solid alternative to Grant. There are no credit checks, and funding can be quick. As a bonus, MoneyLion also gives you access to professionally managed investment portfolios with no trading fees and low monthly costs if you're interested in growing your money over time.

• Pros and cons

  Pros

  • Offers investment portfolios
  • No mandatory fees for cash advances
  • Advances up to $1,000

  Cons

  • Fees for expedited transfers
  • Some features require monthly fees
  • Mixed customer reviews

• More details

  Loan amount	Up to $500 or $1,000 with RoarMoney account
  Loan Term	Due by your next pay date
  Turnaround time	Up to 5 days or instant for a fee of $0.49 to $8.99

Unlike Grant and most other cash advance apps, Vola doesn't charge for transfers, and it sends the funds instantly to your Vola card or within five hours to a linked bank account. It also doesn't require that you get paid by direct deposit, which is a rarity in this space. But you do have to pay a monthly subscription, and it's not transparent about how much that costs. It also has a longer-than-average cooling-off period between advances.

• Available in all states

• Why we like it

  Unlike Grant and most other cash advance apps, Vola doesn't charge for transfers, and it sends the funds instantly to your Vola card or within five hours to a linked bank account. It also doesn't require that you get paid by direct deposit, which is a rarity in this space. But you do have to pay a monthly subscription, and it's not transparent about how much that costs. It also has a longer-than-average cooling-off period between advances.

• Pros and cons

  Pros

  • No fees for transfers
  • Instant transfers to Vola card
  • No direct deposit requirement

  Cons

  • No instant transfer option to linked bank
  • Not transparent about monthly fees
  • 5-day cooling-off period between advances

• More details

  Loan amount	Up to $300
  Loan Term	Until next payday, but can extend
  Turnaround time	Within 5 hours or instant to Vola card