Frequently Asked
Grant Cash is an Earned Wage Access (EWA) service — $25–$500, 0% interest, no credit check, automatic repayment on payday. Operated by Grant Money, LLC (Kikoff Inc.).
$9.99/month subscription. Standard Delivery: Free. Express Delivery: $2–$21. Interest: 0%. Late fees: $0. Cancellation: $0.
$25–$500. New users start at $25–$66. Limits grow with each on-time repayment, typically reaching $200+ within 60 days.
No. Grant Cash does not run hard credit inquiries and does not report to credit bureaus. Approval is based on bank account income history and spending patterns.
Standard: 1–3 business days (free). Express: under 60 seconds ($2–$21 fee). Express is available 24/7 including weekends and holidays.
Yes. No credit score needed. Users with 550 FICO, recent bankruptcies, or no credit history are approved regularly based on income activity.
No late fees ever. Grant Cash stays outstanding until repaid — you won't be eligible for new advances. Contact [email protected] if you anticipate difficulty.
43 US states. Not available in: CT, DC, MD, NV, RI, SC, or WI. See our alternatives guide for options in those states.
Yes. Operated by Grant Money, LLC (Kikoff Inc.), licensed fintech. 4.9★ App Store rating from 140,000+ reviews. Not flagged by CFPB, FTC, or BBB.
Always repay on the scheduled payday, maintain a positive account balance, and use the Earn Cash feature regularly. Limits typically double within 45–60 days.
16,673+ served. Apply in 5 minutes — no credit check.
🔒 Secure · 0% Interest · No Credit Check
No credit check at all — not a hard pull, not a soft pull. Grant Cash does not access Equifax, Experian, or TransUnion data. Approval is based entirely on bank account income history. A 500 FICO score, recent bankruptcy, or no credit history are all completely irrelevant to your Grant Cash advance eligibility.
No minimum income is published. Grant Cash's algorithm evaluates consistency of deposits — the same amount arriving on a regular schedule — more than the dollar amount. W-2 employees with bi-weekly direct deposit see the fastest approval and highest limits. Gig workers and irregular earners may qualify with lower initial limits.
Grant Cash advance is not available in: Connecticut, Washington D.C., Maryland, Nevada, Rhode Island, South Carolina, and Wisconsin. Users in these states can see our Grant Cash alternatives guide for comparable apps available in all 50 states.
Grant Cash charges zero late fees — ever. If the automatic repayment debit fails on your payday (due to insufficient funds), Grant Cash retries with no fee. You cannot request a new advance until the balance is cleared, but no penalty is applied. Contact support before your payday if you anticipate a repayment issue.
In-app: Profile → Subscription → Cancel. No cancellation fee, no notice period. You must have no active advance outstanding to cancel. Cancellation takes effect at end of your current billing cycle. All advance history is retained after cancellation.
No — only one active advance per account. Repay your current advance in full (which happens automatically on payday) and you may request a new advance the same day. Some users request a follow-up advance immediately after payday repayment while the account is at $0.
Express Delivery uses Real-Time Payments (RTP), not ACH — so it processes 24 hours a day, 7 days a week, including Saturdays, Sundays, federal holidays, and Christmas. Our team verified 43-second delivery to a Bank of America account on a Sunday morning in March 2026. Standard Delivery (ACH, free) does NOT process on weekends.
Grant Cash supports 12,000+ US financial institutions via Plaid, including Chase, Bank of America, Wells Fargo, Citibank, US Bank, Capital One, and most credit unions. A small number of neobanks and regional institutions may not be supported. If your bank isn't found, contact Grant Cash support — some can be verified manually via bank statement upload.