Grant Cash Advance Review: Low Max But Legit Fast Cash App

Is Grant legit?

Yes, Grant is a legit cash advance app developed by Kikoff Inc., a financial technology company that also operates a credit-building app. It uses bank-level encryption to secure your data, and it only shares your information with your consent. You can view its privacy policy on its website.

What makes Grant shine?

We like that Grant is up front about its fees, where some apps tend to bury the costs in the fine print. On its main webpage, it states that membership is $9.99 a month, and same-day transfers are between $2 and $8 dollars. It also claims to have a free option, where you can request an advance by email without having to pay for a subscription. However, we didn’t find any users who have used that method.

But other than that, Grant cash advances don’t really stand out from the crowd. Like most cash advance apps, there’s no interest or late fees and no credit checks. But its highest advance limit is only $250, and it requires a monthly fee for the most convenient access to cash advances — so you may look into apps like Grant cash advance but with higher limits if you need access to more cash.

Where Grant falls short

Even though Grant says you can request an advance via email without a membership, chances are that transfer might take a little time, if it works at all. The company states that emails are typically returned within one business day, so it probably won’t help if you need gas money right now or have another immediate expenditure.

Plus, several customer reviews say they were required to get a membership to qualify for advances. So you’ll probably need to pay $9.99 a month for a subscription if you want fast access to cash. Or you can explore these apps that don’t charge monthly fees and are practically free to use unless you need an instant transfer.

It also doesn’t have a phone number to call if you need help. You can only contact customer service by email or through a chatbot on the app or its website.

Grant cash advance details

Grant contact info

You can only contact Grant by email or through the app.

How to qualify for Grant cash advance

Grant doesn’t state a list of requirements to qualify, like many other apps. It only says you need to link the account where you receive your payroll deposits, and qualification is based on a review of your transaction history and proof of consistent income.

Other features

The company doesn’t go into detail about what else you can do with the app, but lists these additional features:

• Spending insights
• Budgeting tools
• Overdraft and low balance alerts

Grant cash advance reviews and complaints

There’s no activity on Grant’s Better Business Bureau (BBB) page yet. The BBB states that Grant is too new and doesn’t have a sufficient track record yet to rate it. And, it only has a single complaint on Trustpilot. That reviewer claims Grant charged it twice for the subscription fee and then refused to refund the money.

By contrast, there are thousands of reviews on both app stores, which are largely positive. Customers say advances are easy to get, they were connected quickly and approved within minutes.

But one of the most common complaints is that the app worked fine for a while, and then it suddenly couldn’t detect their paychecks. Others complain of poor customer service, a glitchy app, small advances and not qualifying for new advances after successfully repaying past ones.

Compare Grant cash advance to other apps

6 of 6 results

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Finder Score	Max. amount per pay period	Turnaround time	Costs	bullet point infobox
Promoted Finder score 9.5 Excellent EarnIn	Finder score 9.5 Excellent	Up to $150/day, with a max of $1000 between paydays	1 to 2 business days or within 30 minutes for a fee	Free to use or within minutes with a fee as low as $3.99 per transfer	Access up to $150 per day, with a max of $1000 between paydays. Subject to EarnIn terms & conditions.	Go to siteMore info Compare product selection Compare	loading
Promoted Finder score 8.7 Great Current	Finder score 8.7 Great	$50 to $750	Up to 3 days or within an hour for a fee	Free	Get up to $750 before payday, once you qualify. Paycheck Advance is an earned wage access service and is not a loan or credit product. Subject to Paycheck Advance Terms and Conditions.	Go to siteMore info Compare product selection Compare	loading
Promoted Finder score 9.4 Excellent Chime MyPay®	Finder score 9.4 Excellent	Up to $500	Within 24 hours or $2 for instant transfers	No subscription fees	Plus access up to $500 of your pay before payday fee-free within 24 hours. See Chime terms and conditions.	Go to siteMore info Compare product selection Compare	loading
Finder score 9.4 Excellent OppLoans Installment Loans	Finder score 9.4 Excellent	$500 to $5,000	As soon as the same business day	160% - 195% APR	Not available in: CO, CT, GA, IA, MD, MA, NY, SD, VT, WV. Comes with the option to change your due date so you won’t fall behind on repayments.	Go to siteMore info Compare product selection Compare	loading
Finder score 9.1 Excellent CreditNinja Installment loan	Finder score 9.1 Excellent	$300 to $5,000	1 to 2 business days	APRs over 36% plus fees	Not available in: AK, CO, CT, FL, GA, IL, IA, KY, ME, MD, MA, MT, NV, NH, NJ, NM, NY, NC, ND, OR, VT, VA, WA, WV. Fast online funding up to $5K, but you won't know about rates and terms until after you apply.	Go to siteMore info Compare product selection Compare	loading
Finder score 8.2 Great Cleo	Finder score 8.2 Great	Up to $250	3 to 4 days or instant for a fee.	$5.99 monthly membership fee to access cash advances	Automatically monitor your spending plus access cash advances up to $100 at a time.	Go to siteMore info Compare product selection Compare	loading

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What is the Finder Score?

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To provide a Score, we compare like-for-like loans. So if you're comparing the best short-term loans for all credit types, you can see how each short-term loan stacks up against other short-term loans with the same borrower type, rate type and repayment type.

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