Get Paid to Take a Paycheck Advance

No fees, no tricks. Just your money, early.
  • Free Payroll Advances vs. Hefty Overdraft Fees from Banks.
    Worth up to $600
  • 0.5% Debit Card Cashback vs. 0.00% from Banks.
    Worth up to $200
  • 3.0% APY Interest vs. 0.06% Average Checking Interest from Banks.
    Worth up to $294
  • FDIC Insured up to $250K and No Minimum Monthly Fees or Minimum
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Upside down pay day loan sign

You could add up to $500 to your annual budget.

The average household income in America is ~$70K or less, but the current system doesn’t help you grow your money. We’re here to make that change.

We’re turning the PayDay Loan industry upside down.

Average Bank

$ 0 additional budget per year
  • 0.06% Interest
  • 0.0% Cashback on Debit Card Purchases
  • No Free Paycheck Advances

Grit Financial

$ 500 additional budget per year
  • 3% APY Interest
  • 0.5% Cashback on Debit Card Purchases
  • Free Paycheck Advances
Best option
Grit Financial Fee Schedule

Your Money is Insured and Secure.

Your Grit Card account is insured through Community Federal Savings Bank for up to $250,000. That means your money is protected and secure, no matter what. 


We’re also PCI and SOC2 compliant – which are the highest security certification levels available.


You’re safe with Grit.

"Grit has a very user friendly app, a very sincere approach, and an amazing concept! It helped me straighten things out and no longer be caught off-guard by unforeseen circumstances!" - Myles T.

Grit members are using our free smart money management tools and seeing their money grow.

Join Grit today to start saving and growing your money too!

How it Works

Connect your Grit account with your bank account and you’ll gain access to earned wages within 24 hours, at no charge.
When you sign up for Grit, you’ll receive:

A Grit Visa Debit Card

Access to the Grit app and a growing suite of smart money management tools.

Request earned wage payments when you need them.
When you sign up for Grit, we sync up with your employer’s paycycle, so we can give you advance access to your earned wages.

Through the Grit app, users get up to 60% of their earned wages, at no charge**. Earned wages are made available when you sign up for a Grit card and after you’ve completed your direct deposit switch. Requesting an earned wage payment does not affect your credit score.

How to use Grit

Direct Deposits + Purchases – without changing your bank account!

By switching your payroll direct deposit to Grit, you’ll not only get early wage access, you’ll also receive 0.5% cashback on purchases using your Grit Card* and access withdrawals from our ATM network**. 

You can keep your bank account if you wish. There is no need to switch your bank in order to use Grit. Simply ensure your bank account is linked to Grit, and you’ll be able to take advantage of all our smart money management tools!

How to repay earned wage advances

An earned wage advance is collected at the end of the pay period. Grit withdraws the advance from your paycheck and the remaining amount is transferred to your bank account.

Sign Up and Try Grit

There are no fees, no subscriptions and best of all – if it’s not for you, there are no cancellation fees or paperwork. Simply Opt-out. 

Have Questions? Give Us A Call.

1-844-474-8226 #0

Mon – Fri 10am – 7pm CST 

Or email us:

Wendy Oliver

A seasoned lawyer and legal compliance expert specializing in the financial sector, Wendy has worked in large law firms and as in-house counsel for companies such as Bank of America and OnPoint Credit Union, and educational institutions such as the University of Chicago and Duke University. She’s also worked at a fintech startup, a consumer lender and a large credit union, as well as running her own practice advising financial institutions.
Well-versed in the ins and outs of disclosures and agreements, contracts and corporate matters, Wendy is most excited about helping others to achieve financial stability, something she had to grapple with herself in her younger years and as a law student. Her goal is to ensure Grit’s financial wellness tools not only help people through financial emergencies, but also establish long-term habits for financial success.
How she got her financial grit: “In college, when I was living off loans and part-time work, I had a budget and that really helped me. After college and law school I had loans to pay. Budgeting and understanding where your money goes can really make a difference in your financial security.”


  • General Counsel, OnPoint Credit Union
  • Chief Compliance Officer, Aven
  • Asst. General Counsel, Bank of America
  • Duke, U. of Mich, U of Chicago


  • Led compliance function for the industry’s first Home Equity backed Credit Card
  • First GC at Oregon’s largest credit union preparing institution for crossing $10B threshold


  • 30+ years of experience in Banking Legal and Compliance including Startups, Scale Players, & Regional Players