Updated September 30, 2026 · BorrowCue Editorial Team
Grant Cash Advance vs MoneyLion
What sets them apart
| Compare |  Grant Cash Advance |  MoneyLion |
|---|---|---|
| Loan amount | $25 to $500 | up to $500 |
| Arrangement fee | No interest or late fees, Express $2-$21 | $0 (no origination or monthly fee on Instacash; optional tip $0 and up and optional Turbo delivery fee $0.49-$8.99) |
| Funding time | Express same day, standard 1-3 business days | Within minutes with optional Turbo delivery fee, or 1-5 business days at no cost |
| Lender type | Direct lender | Marketplace |
| Eligibility | 18+, US bank account and US presence | Legal resident of the United States, at least 18 years old (age of majority in state of residence); service availability varies by state |
| Loan types | Cash advance | Personal, Debt consolidation, Cash advanceCovers more |
| APR | Not confirmed | 0% |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Poor |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (None).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- MoneyLion scores higher overall: 9.1 vs 8.9.
- Support channels: only MoneyLion offers Phone, Community.
- Loan types: only MoneyLion offers Personal, Debt consolidation.
Our verdict on each
Grant Cash Advance
Grant Cash Advance suits adults in the United States who need a small cash advance without a credit check and who can repay from a linked bank balance.
MoneyLion
MoneyLion suits US adults who need a cash advance without a credit check or a fee, and its 0% APR is the same whoever applies. The marketplace side widens the choice of loan, but lender set pricing and a up to $500 cap on the cash advance keep it out of reach for anything larger.
Score breakdown
| Area | Grant Cash Advance | MoneyLion |
|---|---|---|
| Cost | Not confirmed | 9.7Instacash is listed at an APR of 0%, and the cash advance carries an origination charge of 0% and no monthly fee. |
| Offer | 8.3Clear fee shape shown by No interest or late fees, Express $2-$21 keeps short term borrowing predictable for you | 9.8Higher |
| Trust | 9.3HigherLicences in California and nearby states such as 04-CCFPL-2685193-3481156 give traceable oversight | 8.1 |
Licences and countries
| Country | Grant Cash Advance | MoneyLion |
|---|---|---|
| United States | California 04-CCFPL-2685193-3481156 Missouri EWA-25-9754 Utah 14259071-EWAS Kansas EWA.0000031 |
Available in 1 country for both.
What each covers
| Loan types | Grant Cash Advance | MoneyLion |
|---|---|---|
| Personal | No | Yes |
| Debt consolidation | No | Yes |
| Cash advance | Yes | Yes |
How they place
| Ranking | Grant Cash Advance | MoneyLion |
|---|---|---|
| Cash advance apps | 2 of 53 | 15 of 53 |
Every fact side by side
| Fact | Grant Cash Advance | MoneyLion |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Grant Money LLC | MoneyLion Technologies Inc. |
| Headquarters | Not confirmed | United States |
| Support channels | Email, Help centre | Phone, Email, Help centre, CommunityCovers more |
Where each stands against the rest
| Fact | Grant Cash Advance | MoneyLion | Median |
|---|---|---|---|
| APR | Not confirmed | 0%lowest quarter | 8.99% |
| Loan amount | $25 to $500lowest quarter | up to $500lowest quarter | $35,000 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 834 listed lenders.
Pros and cons
Grant Cash Advance
Pros
- Credit access uses none credit check, which helps when your file is thin and bureau based approval feels out of reach
- Same day option is included in same day funding, giving a faster path when a bill cannot wait for standard bank timing
- Handling sits with direct lender, so you deal with the funding entity rather than a chain of intermediaries
Cons
- Advance size is capped at $25 to $500, so larger plans may sit better with CMCA and CAD 5,000 to CAD 100,000
- Support runs on email and help centre only, which may feel slow when you want spoken reassurance
MoneyLion
Pros
- The cash advance carries a credit check of none, so a poor credit file does not stop a draw.
- Money can land within minutes on the paid delivery route, and same day funding is among the features the brand is listed under.
- personal, debt consolidation and cash advance run through the same marketplace, which widens choice beyond a single funder.
Cons
- The 0% headline describes the cash advance only. Pricing on a personal loan or a consolidation loan comes from the partner lender inside the marketplace, so the figure does not carry over.
- A single draw is capped at up to $500, which leaves a home improvement project dependent on the marketplace side.
- The optional Turbo delivery fee sits on top of the 0% APR for anyone who wants the money within minutes.
Who each suits
Grant Cash Advance
Who it suits
- You face a modest gap to payday and CMCA with CAD 5,000 to CAD 100,000 feels oversized next to $25 to $500
- You prefer no interest build up and Exim Bank Djibouti structures feel heavier than No interest or late fees, Express $2-$21
- You value same day option through same day funding and MTN Zambia XtraTime overdraft with from ZMW 1 does not fit bank based repayment
Who should look elsewhere
- You need a larger sum for equipment or stock, where CMCA with CAD 5,000 to CAD 100,000 fits more closely than $25 to $500
- You want phone or chat help for urgent issues, since support through email and help centre may feel limited compared with wider channel mixes
MoneyLion
Who it suits
- US adults who need a cash advance quickly and cannot pass a credit check.
- Borrowers with poor credit who want short term cash at an APR of 0%.
- People comfortable with a marketplace, where the funder behind the loan is set by the match rather than by the app.
Who should look elsewhere
- Anyone after a large home improvement loan. Monzo Flex quotes 10% to 23% on a personal loan, a different product from a up to $500 cash advance.
- Borrowers who want one lender and one published price. Monzo Flex shows 10% to 23% up front, while MoneyLion's personal loan pricing follows the marketplace.
- Borrowers in another market. Cashspace quotes PHP 12 to PHP 36 and Cashspace ES lends €100 to €5,000, and MoneyLion's service is limited to the United States.
Current offers
MoneyLion
Current offer
Bonus
Shake 'N' Bank Cash Back Promotion: Cash back from $0.01, cap $500 per transaction, up to 5 shakes per month
MoneyLion member in good standing; qualified purchases of $10 or more in a single transaction with the MoneyLion Debit Mastercard or Spend Virtual Card; unlimited shakes with an active WOW membership
Source, checked September 26, 2026
Country by country
| Country | Grant Cash Advance | MoneyLion |
|---|---|---|
| United States | Yes | Yes |
Questions about each
Grant Cash Advance
How much can I borrow from Grant Cash Advance?+
Advances run $25 to $500. That structure suits fuel, groceries or a utility shortfall before payday, while larger borrowing for furniture or travel may sit better with providers such as CMCA with CAD 5,000 to CAD 100,000.
What fees apply to a Grant advance?+
Costs follow No interest or late fees, Express $2-$21. Standard delivery avoids added charges, while Express adds a delivery charge that rises with the advance size. There is no interest build up while you wait for payday.
MoneyLion
What does a MoneyLion cash advance cost?+
The Instacash cash advance is listed at an APR of 0%, with an origination charge of 0% and no monthly fee. Two extras sit on top if you want them, an optional tip, which you can leave at free, and the optional Turbo delivery fee that comes with money within minutes. Nothing else is charged for the account.
Is there a credit check on the Instacash cash advance?+
The cash advance carries a credit check of none, so there is no file to pass before the money is released, which is the point for anyone whose credit is thin. The personal and debt consolidation side works differently, running through a marketplace where the partner lender sets its own requirements and MoneyLion is placed at poor.
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