Our mission

Built by Kikoff.
Built for people who need it to work.

Grant Cash Advance is a product of Kikoff — a company built to help people that traditional finance has left behind. We started by helping people build credit when banks wouldn't give them a shot. We're still doing that. We build tools for the people who need them most. Cash advances should close the gap between today and payday — not open a new one.

Earned Wage Access — not a loan
Transparent pricing from day one
No dark patterns. Ever.
No credit check required
Part of the Kikoff ecosystem
the problem

Life doesn't wait
for payday.

You work hard. But sometimes the bills hit before the paycheck does. The car breaks down on a Tuesday. The kids need lunch money on a Wednesday. Your bank account says no — but your life keeps moving.
57%

of Americans live paycheck to paycheck — with little to no savings as a buffer.

64%

of Grant Cash Advance users put their advance toward essentials: groceries, gas, and bills.

That's the gap Grant Cash Advance was built to close. Not a loan. Not a payday trap. Just fast access to money you've already earned — so you can cover what you need without falling behind.

Because you shouldn't have to choose between groceries and keeping the lights on. And you shouldn't have to pay 400% interest just to make it to Friday.

Why Grant cash advance

Honest about what we are.
And what we're not.

The cash advance space is crowded. And a lot of apps look the same until you read the fine print. Here's what actually sets Grant apart.

Pricing

Grant Cash Advance is $9.99/month, clearly stated. No subscriptions that charge while you're inactive

Other cash advance apps charge monthly fees from $1–$14.99/month, often alongside tipping pressure and undisclosed transfer fees.

Cash Advance Limits

Grant Cash Advance offers $25–$350 for new users. Real numbers, no misleading advertising.

Other cash advance apps advertise limits of $500 or more that most new users will never receive, sometimes offered to fewer than 0.002% of users.

Tips

Grant Cash Advance does not ask for tips. No cartoon imagery, no peer pressure. Your cost is your subscription.

Other cash advance apps pre-select optional tips that are hard to remove, often 15% or more of the advance. Some apps have faced regulatory scrutiny for these patterns.

Debt Risk

Grant Cash Advance carries zero debt risk. EWA is not a loan. You cannot borrow more than you have earned, and there is no debt cycle.

Some cash advance apps are technically loans that accrue interest, impact credit scores, and create debt obligations.

Credit Score Impact

Grant Cash Advance advances are not reported to credit bureaus. Your score stays untouched.

Some cash advance apps may affect your credit score if repayment fails.

Earn Rewards

Grant Cash Advance lets you play games, take surveys, and earn boosts that increase your advance amount or unlock free Express Delivery.

Most cash advance apps do not offer rewards that put money back in your pocket.

700K+
Active users who trust Grant Cash Advance
for their cash advance needs
$1B+
In cash advances issued to real people
in real situations, since 2024
98%
Of Instant Delivery transfers* arrive
within 60 seconds
Most users are approved in under 3 minutes!

How it works

1

Regístrate

Descarga Grant Cash Advance y crea tu cuenta.1

2

Vincula tu cuenta

Conecta de forma segura la cuenta donde recibes tu sueldo.

3

Solicita tu adelanto1

Pide de $25 a $3501 en adelantos de efectivo con entregas rápidas.

Paga

Elige una fecha de pago que te funcione, sin cargos por pagos tardíos.