Questions and straight answers

No. GridMoney is a free loan-matching service. Lenders in our network make credit decisions, set terms and service loans.

No. It's free for borrowers. Lenders pay us when we connect them with you, and that doesn't change your terms.

No. Lenders in our network offer cash advances repaid in monthly installments over 3 to 24 months, not one lump sum on payday.

Lenders in our network serve 46 states. Requests aren't available from Arkansas, the District of Columbia, New York, Vermont or West Virginia.

$200 to $5,000. Lenders set the final amount, and not every lender offers up to $5,000.

Age 18 or older (19 in AL and NE, 21 in MS), a U.S. address in a state we serve, regular income, a checking account in your name, an SSN or ITIN, and an email and phone number.

About five minutes to send a request. Matching usually takes minutes.

No. You can decline any offer at no cost.

Common reasons include income that can't support the payment, a new bank account, mismatched details or a state the lender doesn't serve.

Network lenders offer 5.99% to 35.99% APR based on your credit, income, state, amount and term.

Some lenders charge one. It's included in the APR and often deducted from your deposit.

$1,500 over 12 months at 24.99% APR: $142.56 a month, $210.71 finance charge, $1,710.71 total.

Usually, and it saves interest. Most network lenders don't charge a prepayment penalty.

If approved and signed on a business day, often as soon as the next business day.

Most lenders collect payments automatically from your checking account on set dates.

Your lender may charge fees allowed by your agreement and state law, report it to credit bureaus and start collections. Call before the due date.

Your lender. GridMoney doesn't service loans.

Lenders may check credit. Soft inquiries don't affect your score; hard inquiries can lower it slightly for a while.

Possibly. Some lenders weigh income and bank history too. Approval isn't guaranteed.

If your lender reports and you pay on time, it can help build your history.

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