Car trouble
A failed alternator, worn brakes or a tow when you need your car to get to work.
Typical $800, $98.40/mo for 9 monthsRequest $800
Cash advance online, repaid in monthly installments
GridMoney connects you with lenders offering $200 to $5,000 that you pay back over 3 to 24 months, not in one lump sum on payday. Send one short request and see every cost before you sign.
GridMoney is a free loan-matching service, not a lender. Lenders make credit decisions and set your terms.
Example schedule
$142.56 a month PaidNext payment$200–$5,000Cash advance amounts
3–24 monthsMonthly repayment
5.99–35.99%APR range
$0GridMoney fee
Next business dayTypical funding if approved
Representative example: $1,500 repaid in 12 monthly payments at 24.99% APR is $142.56 a month, a finance charge of $210.71 and $1,710.71 in total.
See your payment grid before you apply
Choose an amount and a term. Each square is one monthly payment, and the bar inside shows how much goes to your balance and how much is interest.
Amount
Repay over
APR
Monthly payment$142.56
Total interest$210.71
Total repaid$1,710.71
12 monthly payments
Fixed payment, falling balance
Pays down your balanceInterest
$1,725 due
Compare a payday-style lump sum: at a typical $15 fee per $100, the whole amount plus the fee is due in about two weeks.
Where your money goes
$1,710.71 in total
$1,500.00Amount you borrowed$210.71Interest
Pay $25 extra each month and you'd finish in 11 months and save about $20 in interest.
Estimates assume equal monthly payments and no origination fee. Lenders in our network offer 5.99% to 35.99% APR; your lender's disclosure shows your exact terms. For more options, use the payment calculator.
Why people choose GridMoney
We're a free matching service, not a lender. Here's what that means for you.
Free to use
You never pay GridMoney. Lenders pay us when we connect you, and it doesn't change your terms.
Monthly, not lump sum
Every lender in our network lets you repay over 3 to 24 months instead of all at once on payday.
Costs before you sign
The APR, every payment and the total cost are in writing before you accept anything.
Lender standards
APR capped at 35.99%, no upfront fees and full disclosures, or a lender can't join our network.
Lenders make all credit decisions and set your final terms. How GridMoney works and makes money
What people use a cash advance for
Most requests cover one specific, unexpected cost. Here's what typical amounts look like when you spread them over a few months.
Dental and medical bills
A root canal, an urgent care visit or costs insurance didn't cover.
Typical $1,200, $114.05/mo for 12 monthsRequest $1,200
Home repairs
A burst pipe, a broken water heater or a roof leak that can't wait.
Typical $2,500, $167.97/mo for 18 monthsRequest $2,500
Moving and deposits
A security deposit, a moving truck and the first month's rent all at once.
Typical $3,000, $160.10/mo for 24 monthsRequest $3,000
Examples use 24.99% APR with equal monthly payments. Your lender sets your amount, rate and term.
How much you can get, and for how long
Lenders match the repayment length to the amount so each payment stays realistic. Each square is one month.
$200–$1,000Usually 3 to 12 months
For example, $600 over 6 months is about $107.41 a month.
$1,000–$2,500Usually 6 to 18 months
For example, $2,000 over 12 months is about $190.08 a month.
$2,500–$5,000Usually 12 to 24 months
For example, $4,000 over 24 months is about $213.47 a month.
Three steps, all from your phone
You're never obligated to accept an offer. Nothing is final until you sign with a lender.
Send one request
Tell us how much you need and share basic details about your income and bank account.
About 5 minutesReview a lender's offer
A lender in our network that serves your state shows you the APR, every payment and the total cost.
Usually minutesSign and get funded
Accept only if it works for you. Funds go straight to your checking account.
As soon as next business day
How a GridMoney cash advance compares
Fast cash comes in a few forms. The difference is mostly in how you pay it back.
| Option | Typical amount | How you repay | Typical cost |
|---|---|---|---|
| GridMoney installment cash advance | $200 to $5,000 | Monthly over 3 to 24 months | 5.99% to 35.99% APR |
| Payday loan | $100 to $1,000 | One lump sum in about 2 weeks | About 400% APR at $15 per $100 (CFPB) |
| Credit card cash advance | Up to your cash limit | Revolving minimum payments | 3% to 5% fee plus interest from day one |
| Credit union payday alternative loan | $200 to $2,000 | 1 to 12 months, members only | 28% APR maximum |
What you'll need to apply
Most lenders in our network ask for the same basics. Tick what you have ready.
0 of 6 ready
You're ready. Apply nowWe'll never ask you to pay up front. GridMoney and the lenders in our network don't request fees, gift cards, wire transfers or crypto before a loan is funded. Anyone who does is not us. How to spot a scam
What it costs, itemized
Your lender shows the full cost in writing before you sign, as the Truth in Lending Act requires. Here's what to expect.
- APR from 5.99% to 35.99% across lenders in our network, based on your credit, income, state, amount and term.
- No fee to use GridMoney. Lenders pay us when we connect you, and that doesn't change your terms.
- Origination fees, if a lender charges one, are included in the APR and often deducted from the amount you receive.
- Paying early lowers your interest. Most network lenders don't charge a prepayment penalty; check your agreement.
If you can't make a payment
Call your lender before the due date; many can move the date or set up a plan. Missed payments can lead to late or returned-payment fees allowed by your agreement and state law, collection activity and negative credit reporting. Renewal policies vary by lender.
Representative example
Installment cash advance, equal monthly payments
Amount borrowed$1,500.00
Number of payments12 monthly
Annual percentage rate24.99%
Monthly payment$142.56
Finance charge$210.71
Total of payments$1,710.71
Assumes no origination fee. Repayment terms run from 3 months (91 days) to 24 months. Your actual APR and payments are set by your lender.
Your credit and your data
Two things people worry about before they apply, answered plainly.
Your credit
- Lenders may check your credit. A soft inquiry doesn't affect your score; a hard inquiry can lower it a few points for a limited time.
- Bad credit isn't automatically a no. Some lenders weigh income and bank history too, though approval isn't guaranteed.
- On-time payments can help. Many lenders report to credit bureaus; missed payments can hurt.
Your data
- Encrypted in transit. Your request travels over a secure connection.
- Shared with purpose. Only with lenders and service providers that may be able to serve you.
- Your choice. Opt out of sale or sharing anytime; we honor Global Privacy Control signals.
Questions people ask first
Is a GridMoney cash advance the same as a payday loan?
No. A payday loan is usually due in one lump sum on your next payday. Lenders in the GridMoney network offer cash advances you repay in fixed monthly installments over 3 to 24 months, so every payment lowers your balance.
How much can I get?
You can request $200 to $5,000. The amount you're offered depends on your income, credit history, state and the lender's criteria. Not every lender offers up to $5,000.
Does GridMoney charge a fee?
No. GridMoney is free for borrowers. Lenders in our network pay us when we connect them with you. You only pay the interest and any fees in the agreement you choose to sign.
How quickly can I get the money?
If you're approved and sign on a business day, many lenders send funds as soon as the next business day. Weekends, holidays and your bank's processing times can add a day or more.
Will requesting a cash advance affect my credit score?
Lenders may check your credit. A soft inquiry doesn't affect your score. A hard inquiry, if the lender uses one, can lower it by a few points for a limited time.
What if I can't make a payment?
Call your lender before the due date. Many can move a date or set up a plan. Missed payments can lead to late or returned-payment fees, collection activity and negative credit reporting.
Still have a question?
A real person replies within one business day.
- [email protected]
- Phone
- (888) 555-0167
- Hours
- Mon to Fri, 9 AM to 6 PM ET
Learn before you borrow
Short, sourced guides that help you compare costs and avoid expensive mistakes.
Compare
Cash advance vs payday loan: what's the real difference?
Why monthly installments usually cost far less than a lump sum.
Learn
How APR works on a cash advance
Turn any fee or rate into one number you can compare.
Credit
Getting a cash advance with bad credit
What lenders weigh besides your score, and how to improve your odds.
Need cash for something that can't wait?
Request $200 to $5,000 in about five minutes and repay it month by month.