Apps Like Grant: 12 Cash Advance Apps Compared (2026)

Last updated 09/27/2026 by

Andrew Latham

Summary:

Grant’s first advances are small (about $66 on average), and its standard path runs through a paid Grant Plus subscription. If you want a higher limit or no subscription, EarnIn, Klover and MoneyLion Instacash are the closest alternatives. Below we compare 12 apps like Grant on advance limits, monthly fees, instant-transfer costs and requirements.

The best apps like Grant in 2026 are EarnIn (best for higher limits with no subscription), Klover (the closest match: a linked-bank app with no credit check, an optional plan and points that boost your advance) and MoneyLion Instacash (best for up to $1,000 if you bank with MoneyLion). People usually leave Grant Cash Advance for three reasons: low starting limits, the $9.99-a-month Grant Plus subscription, and repayment debits that can hit as soon as money lands in your account.

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Grant at a glance

What it is	A cash advance app from Grant Money LLC, a subsidiary of Kikoff Inc. It works with the bank account where your pay is deposited, so you don’t open a new account
Advance amount	$25 to $500 for eligible repeat users. First-time users averaged $66 and repeat users $155; about 3.6% of customers with consecutive on-time repayments reached $500
Monthly fee	Grant Plus costs $9.99 a month. Grant calls it optional; to get an advance without it, its pricing page says to email support@grantcash.com and ask for a free Grant Advance
Transfer speed and cost	Standard ACH is free and takes 1–3 business days. Express Delivery costs $2 - $21 depending on the amount and usually lands within an hour (Grant’s customer agreement allows fees of up to $25)
Credit check	No. No interest and no late fees
Requirements	Age 18+, a U.S. bank account and debit card linked in the app, earned income, and no unpaid advance
Repayment	Grant sets the due date from your detected paychecks. After that date it can debit your account whenever money comes in, including partial debits
Availability	Not available in CT, MD, NV, SC or WI; the App Store listing also excludes DC and RI

Is Grant legit?

Yes, Grant is a real, licensed app. Grant Money LLC is owned by Kikoff Inc., the credit-building company, and holds earned wage access or income-based advance licenses in California, Missouri, Utah and Kansas. Its customer agreement says an advance is non-recourse: Grant won’t send an unpaid advance to collections or report it to the credit bureaus, but you can’t get another advance until it’s repaid. Grant is also facing a lawsuit. In Revell v. Grant Money, filed in June 2025, an Army staff sergeant alleges that Grant’s advances violate the Military Lending Act, the Truth in Lending Act and Georgia’s payday lending law. In November 2025 a federal court in California refused to send the case to arbitration, ruling that the advance counts as consumer credit under the Military Lending Act. Grant has appealed to the Ninth Circuit. The claims haven’t been proven. For you, the practical point is this: Grant’s agreement says it isn’t responsible for overdraft fees its repayment debits cause, so keep a cushion in your account around the due date.

12 best apps like Grant in 2026

1. EarnIn – Best for higher limits with no subscription

How it works: EarnIn lets you draw on wages you’ve already earned: up to $150 a day and $1,000 per pay period (up to $1,500 with Live Pay). There’s no subscription and tips are optional. Standard transfers take 1–2 business days. Instant transfers cost $3.99 - $8.99 depending on the amount. Like Grant, it links to your existing bank, but its ceiling is higher and there’s no membership to manage.

✅ Pros:

Higher per-period limit than Grant
No monthly membership; standard transfers are free
No credit check

❌ Cons:

Needs a consistent direct-deposit pay schedule
Doesn’t support many neobanks (Chime only for a small test group)
Colorado’s attorney general sued EarnIn in August 2026 under state lending laws

2. Klover – Best for a Grant-style app with points and an optional plan

How it works: Klover advances range from $25 to $750 (the average is about $170). Like Grant’s Earn Cash feature, Klover lets you earn points from surveys and ads and cash them in for a bigger advance. You need three or more employer direct deposits in the past 60 days to a checking account that’s at least 90 days old; P2P deposits such as Cash App don’t count. Standard ACH takes about 3 business days, and immediate delivery costs $3.99 - $37.49. Klover+ (up to $9.99/month) is optional, but new users can be enrolled automatically, so check your settings.

✅ Pros:

Higher ceiling than Grant
No hard credit pull; free standard delivery
Points can raise your advance

❌ Cons:

Instant fees on larger advances are steep
Stricter deposit rules than Grant
Watch for automatic Klover+ enrollment

3. Dave – Best for a bank account with advances built in

How it works: Dave’s ExtraCash advances run $25 to $500, the same range as Grant, though Dave says few members qualify for the top amount (the average was $215 in Q2 2026). Each advance carries a fee of $5 or 5%, whichever is greater, plus a membership of up to $5 a month. Transfers to Dave Checking are free and instant. Unlike Grant, Dave requires a Dave Checking account and doesn’t work with Cash App.

✅ Pros:

Average advance is well above Grant’s first-timer average
Free instant delivery into Dave Checking

❌ Cons:

Every advance has a fee, plus a membership
Requires moving banking to Dave
Facing an FTC and Justice Department lawsuit filed in 2024 over its marketing and fees

4. MoneyLion Instacash – Best for up to $1,000 with MoneyLion banking

How it works: Instacash advances go up to $500, or $1,000 if you open a MoneyLion Spend account and set up direct deposit. There’s no required membership. Turbo (instant) delivery costs $0.49–$6.99 to a MoneyLion account or $1.99–$8.99 to an external account. Standard delivery is 1–2 days to Spend and 2–5 days to an outside bank.

✅ Pros:

Top limit is well above Grant’s
No subscription required for Instacash
Low turbo fees on small advances

❌ Cons:

The top limit requires moving your direct deposit to MoneyLion
Paid memberships (e.g., Credit Builder Plus at $19.99/month) are upsold in the app
Resolved a CFPB case over alleged Military Lending Act violations in 2025

5. Brigit – Best for overdraft alerts and credit-building tools

How it works: Brigit advances range from $25 to $500 ($25–$250 in Maine) and require a paid plan: Plus at $8.99 or Premium at $15.99 a month. Premium includes free instant transfers; on Plus, Brigit charges a small instant fee shown in the app. You’ll need a checking account that’s at least 60 days old, a positive balance and three recurring deposits from one source.

✅ Pros:

Same maximum as Grant, with free instant transfers on Premium
Overdraft prediction and credit-builder features

❌ Cons:

A subscription is required, and it costs more than Grant Plus
Subject to an $18 million FTC order in 2023 over its marketing and cancellation practices

6. FloatMe – Best for very small advances

How it works: FloatMe “Floats” start at $10–$50 and can grow to $200; the average Float was $53 as of July 2026. That’s the closest match to Grant’s small first advances. A membership ($6.99/month) is required, standard delivery is free, and instant delivery costs $1–$10 depending on the amount. There’s no credit check, and Floats aren’t available in CT, NV or DC.

✅ Pros:

Membership is cheaper than Grant Plus
Instant fees are capped at $10
No interest or late fees

❌ Cons:

Low ceiling: $200 at most
Membership is required

7. Tilt (formerly Empower) – Best for a simple flat subscription

How it works: Empower rebranded as Tilt in 2025. Advances run $10–$500 and require a subscription ($8/month) after a 14-day trial. Instant delivery costs $1 - $8 by tier (3% on $300+, capped at $7.50 in MD and WI). Standard delivery takes about one business day. Tilt isn’t available in CT, ME or DC, but unlike Grant it does serve Maryland, South Carolina and Wisconsin.

✅ Pros:

Subscription costs less than Grant Plus
No credit check; linked-bank model (no new account)

❌ Cons:

The subscription is required
Not available in three states/territories

8. Cleo – Best for small advances plus AI budgeting

How it works: Cleo pairs a budgeting chatbot with advances of $20–$250, rising to $500 if you send $750+ a month in direct deposits to Cleo. Advances require a paid plan, which costs $1.99 - $14.99 a month depending on the tier. Express delivery costs $4.49 - $14.99, added to what you repay. Standard delivery takes 3–4 days.

✅ Pros:

Useful budgeting and spending insights
Entry plan costs less than Grant Plus

❌ Cons:

Low starting limits, like Grant
Agreed to a $17 million FTC settlement over its advance and subscription practices (March 2025)

9. Chime MyPay – Best if you’re paid into Chime

How it works: Chime members with qualifying direct deposits of $200 or more can get up to $1,000 of their pay early through MyPay. Most people start at $40–$100. There’s no subscription. Instant delivery costs $2 - $5, and free delivery arrives within 24 hours. Chime’s SpotMe also covers overdrafts of $20 up to $200 with no fee.

✅ Pros:

No monthly fee and no credit check
Free option lands within 24 hours, faster than Grant’s free ACH
SpotMe adds free overdraft coverage

❌ Cons:

Only for Chime members with qualifying direct deposit
MyPay isn’t available in every state

10. Varo Advance – Best for 30 days to repay

How it works: Varo Advance starts at $20–$250 and can grow to $700, with 30 days to repay. There’s no monthly fee; instead each advance has a flat fee of $1.60 - $100, and that fee is more than halved if you get $800+ a month in deposits. Funds arrive instantly in your Varo account.

✅ Pros:

30-day repayment instead of a debit on your next deposit
Higher ceiling than Grant; no subscription

❌ Cons:

Requires a Varo bank account
Fees on large advances can be high; check the fee before accepting

11. Current Paycheck Advance – Best for up to $750 with no membership

How it works: Current offers Paycheck Advance of up to $750 to members with $200+ a month in eligible payroll deposits. Transfers from Cash App or other P2P apps don’t count. Standard funding arrives within 3 calendar days, and an optional “Instant Access” fee is shown in the app before you accept. Current also has fee-free overdraft coverage.

✅ Pros:

Higher maximum than Grant
No membership fee stated
No credit check

❌ Cons:

You need to route payroll to Current
Instant-access pricing isn’t published outside the app

12. Possible – Best for splitting repayment or building credit

How it works: Possible offers two products. Possible Advance gives subscribers $50–$300 for $15 a month, or non-subscribers $10–$150; first advances average $85, and subscribers can split repayment into four installments. Possible Loans go up to $500, are repaid in installments, and report on-time payments to the credit bureaus. Neither uses a FICO check; funding usually takes seconds, and an instant delivery fee may apply in some states.

✅ Pros:

Installment repayment instead of one debit on payday
Loans can help build credit; Grant doesn’t report to the bureaus
Free payment rescheduling

❌ Cons:

The advance subscription costs more than Grant Plus
Possible Loans are loans, so check the cost shown before you accept

Grant alternatives compared

App	Max advance	Monthly fee	Instant transfer fee	Credit check	Best for
Grant	$500	$0 - $9.99 (Grant Plus)	$2 - $21	No	(Benchmark)
EarnIn	$1,000/pay period ($1,500 Live Pay)	$0	$3.99 - $8.99	No	Higher limits, no subscription
Klover	$750	$0 - $9.99 (optional)	$3.99 - $37.49	No hard pull	Closest match to Grant
Dave	$500	Up to $5	5% or $5 per advance; +1.5% to external card	No	Banking plus advances
MoneyLion Instacash	$1,000 with Spend + direct deposit	$0	$0.49 - $8.99	No	MoneyLion banking customers
Brigit	$500	$8.99 - $15.99	Free on Premium	No	Overdraft alerts
FloatMe	$200	$6.99	$1 – $10	No	Very small advances
Tilt	$500	$8	$1 - $8	No	Flat subscription
Cleo	$500 with direct deposit	$1.99 - $14.99	$4.49 - $14.99	Not stated	Budgeting help
Chime MyPay	$1,000	$0	$2 - $5	No	Chime members
Varo Advance	$700	$0	Flat fee $1.60 - $100 per advance	No hard pull	30-day repayment
Current	$750	None stated	Shown in app	No	No-membership advances
Possible	$300 advance; $500 loan	$15 (advance subscription)	May apply in some states	No FICO check	Installment repayment, credit building

Apps like Grant with no credit check

None of the apps above runs a hard credit check. Like Grant, they decide your limit from your bank account history and deposits. Varo may use consumer-report data but says this doesn’t affect your credit score, and Possible says it doesn’t check your FICO score. The flip side is that most of these advances won’t help you build credit either. Possible Loans are the exception on this list, since Possible reports on-time loan payments to the credit bureaus.

Apps like Grant with no subscription

If Grant Plus is the problem, EarnIn, MoneyLion Instacash, Chime MyPay, Varo Advance and Current don’t require a membership. Klover’s plan is optional too, but check that you weren’t enrolled automatically. Brigit, Tilt, Cleo and FloatMe require a plan, and Dave charges a membership plus a fee on every advance. You’ll still usually pay for instant delivery, so the cheapest option is to wait for the free standard transfer. And if you want to stay with Grant, its pricing page says you can email support@grantcash.com to request an advance without Grant Plus.

How to choose an alternative to Grant

Price the advance, not just the app. A $9.99 subscription plus a $3 express fee on a $66 advance is about $13, or almost 20% of what you borrowed. Free standard transfers and no-subscription apps are cheapest.
Check where your pay lands. Grant, EarnIn, Klover, Brigit, Tilt, FloatMe and Possible work with your current bank. Dave, Varo, Current, Chime MyPay and MoneyLion (for its top limit) want your deposits in their own account.
Know when repayment hits. Grant can debit your account whenever money comes in after the due date. Varo gives 30 days, and Possible lets subscribers split repayment into four installments.
Check your state. Grant isn’t available in Connecticut, Maryland, Nevada, South Carolina or Wisconsin. Tilt, FloatMe and others have their own exclusions.
Avoid stacking apps. Borrowing from several apps at once can leave most of your paycheck gone before it arrives.

Need fewer advances? Plan around your paycheck

A cash advance fixes one short gap. If you’re borrowing against most paychecks, the longer-term fix is seeing what’s coming before you run short. SuperMoney: Budgeting AI, our own app, links your bank and credit accounts, sorts your spending, tracks your credit score and can put savings and bill payments on autopilot. It doesn’t offer cash advances. It’s free to download, with optional paid plans ($19.99 a month or $149.99 a year).

SuperMoney owns and operates this app.

FAQs

What app is similar to Grant?

Klover is the closest match: it links to your existing bank, runs no hard credit check, has an optional paid plan and lets you earn points toward a bigger advance, much like Grant’s Earn Cash. EarnIn is similar too, with no subscription and a higher limit of $1,000 per pay period.

Is Grant Cash Advance legit?

Yes. Grant is run by Grant Money LLC, a subsidiary of Kikoff Inc., and holds advance licenses in California, Missouri, Utah and Kansas. It is being sued in a proposed class action that alleges its advances violate federal lending laws; a court denied its bid to force arbitration in November 2025, and Grant has appealed.

Does Grant check your credit?

No. Grant says it doesn’t run a credit check. It looks at your linked bank account’s activity, income pattern and repayment history, and it doesn’t report advances to the credit bureaus.

How much can you get from Grant the first time?

Grant advertises $25 to $500, but the top of that range is for repeat users. First-time users averaged $66 and repeat users $155. If you need $200 or more right away, apps with higher typical amounts, such as EarnIn or Klover, are a better fit, though first advances there can also start low.

Do I need Grant Plus to get an advance?

Grant calls Grant Plus ($9.99/month) optional. Its pricing page says you can request an advance without it by emailing support@grantcash.com and asking for a free Grant Advance. You can cancel Grant Plus in the app under Account, then Manage Plan.

What happens if you don’t pay Grant back?

Grant’s agreement says you have no legal obligation to repay and it won’t use debt collectors or report you to the credit bureaus. But you can’t get another advance until the balance is paid, and Grant can keep attempting debits on your linked account when money comes in, which can trigger bank overdraft fees.

SuperMoney may be compensated by some of the providers listed. This doesn’t change how we evaluate them. Terms are as of September 2026 and can change; check the provider’s site before you apply.

Compare cash advance apps side by side

Key Takeaways

Grant advances $25 to $500, but first-timers average about $66; Grant Plus is $9.99 a month and express delivery costs $2 - $21.
Klover is the closest match to Grant; EarnIn ($1,000 per pay period) and MoneyLion ($1,000) offer higher limits with no subscription.
EarnIn, MoneyLion Instacash, Chime MyPay, Varo and Current don’t require a subscription.
None of these apps runs a hard credit check, but most charge for instant delivery.

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Andrew Latham

Andrew is the Content Director for SuperMoney, a Certified Financial Planner®, and a Certified Personal Finance Counselor. He loves to geek out on financial data and translate it into actionable insights everyone can understand. His work is often cited by major publications and institutions, such as Forbes, U.S. News, Fox Business, SFGate, Realtor, Deloitte, and Business Insider.

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