Cash advance amounts and monthly payments
See what $200 to $5,000 costs per month at different terms and rates, how lenders decide your amount, and how to choose a payment you can live with.
You can request $200 to $5,000. Smaller amounts usually repay over 3 to 12 months, mid-size amounts over 6 to 18 months and larger amounts over 12 to 24 months. At 24.99% APR, $1,500 over 12 months is $142.56 a month.
Typical terms by amount
Lenders match the term to the amount so each payment stays realistic. Each square below is one month.
Repayment length by amount
Green: shortest typical term · Orange: longer options
Monthly payment table
Choose an APR. Grey figures are terms lenders don't usually offer for that amount.
| Amount | 3 mo | 6 mo | 9 mo | 12 mo | 18 mo | 24 mo |
|---|---|---|---|---|---|---|
| $200 | $67.78 | $34.31 | $23.16 | $17.58 | $12.01 | $9.23 |
| $500 | $169.45 | $85.78 | $57.89 | $43.96 | $30.03 | $23.07 |
| $800 | $271.12 | $137.25 | $92.63 | $70.33 | $48.04 | $36.91 |
| $1,000 | $338.90 | $171.56 | $115.79 | $87.91 | $60.05 | $46.14 |
| $1,500 | $508.35 | $257.33 | $173.68 | $131.87 | $90.08 | $69.21 |
| $2,000 | $677.80 | $343.11 | $231.57 | $175.82 | $120.10 | $92.28 |
| $2,500 | $847.25 | $428.89 | $289.47 | $219.78 | $150.13 | $115.35 |
| $3,000 | $1,016.70 | $514.67 | $347.36 | $263.73 | $180.16 | $138.42 |
| $4,000 | $1,355.59 | $686.23 | $463.15 | $351.64 | $240.21 | $184.56 |
| $5,000 | $1,694.49 | $857.78 | $578.94 | $439.56 | $300.26 | $230.70 |
| Amount | 3 mo | 6 mo | 9 mo | 12 mo | 18 mo | 24 mo |
|---|---|---|---|---|---|---|
| $200 | $69.46 | $35.80 | $24.60 | $19.01 | $13.44 | $10.67 |
| $500 | $173.66 | $89.51 | $61.50 | $47.52 | $33.59 | $26.68 |
| $800 | $277.85 | $143.22 | $98.40 | $76.03 | $53.75 | $42.69 |
| $1,000 | $347.31 | $179.02 | $123.00 | $95.04 | $67.19 | $53.37 |
| $1,500 | $520.97 | $268.53 | $184.50 | $142.56 | $100.78 | $80.05 |
| $2,000 | $694.62 | $358.05 | $246.00 | $190.08 | $134.37 | $106.73 |
| $2,500 | $868.28 | $447.56 | $307.50 | $237.60 | $167.97 | $133.42 |
| $3,000 | $1,041.94 | $537.07 | $368.99 | $285.12 | $201.56 | $160.10 |
| $4,000 | $1,389.25 | $716.09 | $491.99 | $380.16 | $268.75 | $213.47 |
| $5,000 | $1,736.56 | $895.12 | $614.99 | $475.20 | $335.93 | $266.83 |
| Amount | 3 mo | 6 mo | 9 mo | 12 mo | 18 mo | 24 mo |
|---|---|---|---|---|---|---|
| $200 | $70.70 | $36.92 | $25.69 | $20.09 | $14.54 | $11.81 |
| $500 | $176.76 | $92.30 | $64.21 | $50.23 | $36.35 | $29.52 |
| $800 | $282.82 | $147.67 | $102.74 | $80.37 | $58.16 | $47.23 |
| $1,000 | $353.52 | $184.59 | $128.43 | $100.46 | $72.70 | $59.04 |
| $1,500 | $530.29 | $276.89 | $192.64 | $150.69 | $109.06 | $88.56 |
| $2,000 | $707.05 | $369.18 | $256.86 | $200.91 | $145.41 | $118.08 |
| $2,500 | $883.81 | $461.48 | $321.07 | $251.14 | $181.76 | $147.61 |
| $3,000 | $1,060.57 | $553.78 | $385.29 | $301.37 | $218.11 | $177.13 |
| $4,000 | $1,414.10 | $738.37 | $513.72 | $401.83 | $290.81 | $236.17 |
| $5,000 | $1,767.62 | $922.96 | $642.14 | $502.29 | $363.52 | $295.21 |
Equal monthly payments, no origination fee. Lenders in our network offer 5.99% to 35.99% APR.
How lenders decide your amount
Income
How much you earn and how regularly it arrives.
Bank history
Account age, steady deposits and few returned payments.
Existing debt
How much of your income already goes to other payments.
Credit history
Your recent repayment record, not just one number.
State rules
Some states limit loan sizes or terms.
Repeat customers
Some lenders offer more after on-time repayment.
Choosing the right amount
- Price the problem first. Get a written quote for the repair or bill so you borrow only what it costs.
- Set a payment ceiling. After rent, food, transport and other debts, decide the most you can pay each month without strain.
- Choose the shortest term under that ceiling. You'll pay the least interest.
- Plan to pay early if you can. Extra payments shrink your balance and your total cost.
At 35.99% APR over 12 months, every $100 you don't borrow saves about $21 in interest.
Can you afford the payment?
A quick way to sanity-check an amount is to see the payment as a share of your monthly take-home pay. Lenders also look at your total debt payments compared with income, often called debt-to-income.
| Loan at 24.99% APR | $2,000/mo take-home | $3,000/mo take-home | $4,000/mo take-home | $5,000/mo take-home |
|---|---|---|---|---|
| $600 over 6 mo ($107.41) | 5.4% | 3.6% | 2.7% | 2.1% |
| $1,500 over 12 mo ($142.56) | 7.1% | 4.8% | 3.6% | 2.9% |
| $3,000 over 18 mo ($201.56) | 10.1% | 6.7% | 5.0% | 4.0% |
| $5,000 over 24 mo ($266.83) | 13.3% | 8.9% | 6.7% | 5.3% |
Add the new payment to what you already pay each month for car loans, cards and other debts. If the total feels tight before an emergency, choose a smaller amount or a longer term, or talk to a nonprofit credit counselor.
Common questions
What's the most I can borrow through GridMoney?
Up to $5,000. Lenders decide the final amount based on your income, existing debts, banking history and state, and not every lender offers the maximum.
Why might a lender offer less than I asked for?
Lenders size offers to what they believe you can comfortably repay. A smaller first loan is common, and some lenders offer more later to borrowers with a good repayment record.
Should I pick a shorter or longer term?
Pick the shortest term with a payment you can afford. Shorter terms cost less in total; longer terms lower each payment but add interest.
Ready to see your options?
Request $200 to $5,000 in about five minutes and repay it month by month.