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.
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
| Product name | Grant Cash Advance |
| Loan amount | $25 to $250 |
| Loan term | Until next payday |
| Turnaround time | Up to 3 days or same day for a fee |
| Costs | $9.99/month$2 to $8 for fast transfers |
| Availability | Not available in: Connecticut, Kansas, Maryland, Nevada, Rhode Island, South Carolina, Wisconsin |
| Requirements | Linked bank account and debit card |
Grant contact info
You can only contact Grant by email or through the app.
| Phone number | Not listed |
| Customer service hours | Not listed |
| support@grantcash.com | |
| X, formerly Twitter | @grant_cash_ |
| Grant Cash Advance |
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
| BBB accredited |
No |
|---|---|
| BBB rating |
NR |
| Trustpilot Score |
3.2 out of 5 stars, based on 1 customer reviews |
| App Store Score |
4.8 out of 5 stars, based on 37,200 customer reviews |
| Google Play Score |
4.7 out of 5 stars, based on 22,400 customer reviews |
| Customer reviews verified as of |
22 July 2025 |
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.
What do people on Reddit say?
People on Reddit note that Grant used to be Oasis and is now accepting new customers. Most posters say you can only get $25 at first, but you may be able to borrow more after paying it back. Others say you have to pay the $9.99 monthly fee to qualify for advances. A few Redditors complain they haven’t been able to sign up at all.
Compare Grant cash advance to other apps
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