Comparison

SoLo Funds vs Grid Money

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

SoLo Funds

Access funds up to $625 without credit checks or earn money by lending to others. This community finance platform offers a banking solution and AI-powered financial advice. It ensures no hidden fees and provides a safety net for its members.

Highlights
  • Access up to $625 without credit checks
  • Earn money by funding others' requests
  • AI-powered financial co-pilot (SoLo IQ)
  • Integrated banking solution (SoLo Wallet)
  • No hidden fees
  • Community protection and safety net
Features
Read full description

Access up to $650 on your own terms or supply funds to make a social impact and return. Fun fact → SoLo Funds is a Certified Public Benefit Corporation. SoLo is a community finance platform where our members step up for one another. We enable financial services for real people, powered by people. We back each other because we believe in each other. Here’s why thousands of members use SoLo… ACCESS UP TO $650 ON YOUR OWN TERMS We give you choice and control where others don't. No credit checks. We come through for each other because we're in this together. EARN MONEY WHILE HELPING OTHERS SoLo is a great way to make a social impact while also earning a return on your money. Our data driven tools allow you to verify and make smarter choices. Fund a request today. We’re people helping people. Fun fact → SoLo is a 2023 CNBC Disruptor 50 Company SOLO PROTECTION We’re in this together. We protect each member in our community via secure and easy communication between bank accounts while creating a safety net for potential losses. Fun fact → SoLo was selected as one of Fast Company’s World Changing ideas in 2022 SOLO WALLET Leverage our banking solution to build financial autonomy. Deposit, withdrawal, and bank with SoLo. Fun fact → SoLo won NBCUniversal’s LIFTOff Financial Impact Challenge NO HIDDEN FEES We’re not here to surprise you with fees. SoLo guarantees no hidden fees, no minimum balance fees, transactions fees, expedition fees and no overdraft fees. SOLO IQ SoLo IQ is an AI financial co-pilot that gives you super-personal, smart advice to get the most out of your lending, borrowing, and spending. Fun fact → SoLo was selected in 2021 for Global Inclusive Fintech 50 by the Center for Financial Inclusion SoLo Funds, Inc, a Certified Benefit Corporation, is not a bank. Banking services provided by Bangor Savings Bank, Member FDIC. TheSoLo Funds Mastercard® Debit Card is issued by Bangor Savings Bank, Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circle design is a trademark of Mastercard International Incorporated. Spend anywhere Mastercard is accepted. For more information please visit our website https://solofunds.com/. (1) $650 Cash Requests: Criteria applies, see Terms https://solofunds.com/terms/ for more details. (2) SoLo Wallet: The bank services are provided by Bangor Savings Bank, Member FDIC. All loans regardless of the early schedule payment have the same terms, with 90 days for repayments and default. The early repayment schedule for a loan request can differ between members with all loans up to 90 days to pay in full until defaulted. Your initial scheduled early repayment date can be skipped without issue and repaid manually in-app at any time with minimum and maximum repayment schedule up to 90 days. All loans have up to 90 days to pay in full until defaulted. See SoLo's Privacy Policy https://solofunds.com/privacy

About

Grid Money

Access cash advances between paychecks without interest or credit checks. Boost your take-home pay and receive your tax refund early. Build your credit score with a simple monthly fee.

Highlights
  • Cash advances up to $200
  • Boost your paycheck
  • Early tax refund access
  • No interest or credit checks
  • Build credit score
  • Transparent pricing
Features
Currently charting
Read full description

Keep more of your paycheck and get cash when you need it with Grid. No interest, credit checks, or late fees. Just a simple $10/month for Grid+. CASH ADVANCES Get an advance when you need extra cash between paychecks. Up to $200* per advance with our Levels program. No credit checks needed and always transparent pricing. STOP OVERPAYING YOUR TAXES Keep fixes your withholdings so you're paying the right amount of tax every payday. More in every paycheck instead of one big refund next April. No interest, no repayment — it's your own money. NO CREDIT CHECKS Sign up is fast and easy through the app. Need help? We're always here to help. Reach out to us at support@getgrid.app *You must meet eligibility requirements to obtain an Advance. Your initial Advance limit will be less than $200 and may increase gradually over time. Advance limits are based on your account activity and balance(s), your direct deposits, your history of timely Advance repayments, your income and tax refund projections, and other risk-based factors. Your eligibility and Advance limit are evaluated regularly and may change at any time. You may only take one Advance at a time. Grid does not offer loans or credit products. There is no APR, no finance charge, and no loan obligation.

Screenshots

SoLo Funds4 screens
Grid Money4 screens

Verdict

The call

The clearest difference is monetization model: SoLo Funds at free with in-app purchases against Grid Money's subscription. Grid Money's advantage is ads (none vs shown) and chart position (#138 vs unranked). On price, rating, review sentiment and ratings volume there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Grid Money holds the better App Store score, 4.6 against 4.4. Both are backed by a comparable volume of ratings — 41K and 30K respectively. Written reviews point the same way: 46% of SoLo Funds's written reviews are positive against 51% of Grid Money's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly weekly. Both last shipped on September 24, 2026.

Scorecard3 real differences · 8 level
SoLo Funds versus Grid Money: the parameters behind the verdict, then further details
ParameterSoLo FundsGrid Money
PriceFreeFree
Rating4.4 (41K ratings)4.6 (30K ratings) — better
Positive reviews46.2% of reviews51.0% of reviews — better
Number of ratings41K — better30K
Update frequencyWeeklyWeekly
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchases — betterSubscription
Best chart rank#138 — better
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size199 MB312 MB
Age rating4+17+
DeveloperSoLo Funds Inc.Hatfield, Inc.

Customer experience

SoLo Funds

All ratings40,623 ratings
Positive85.1%
Neutral2.0%
Negative12.9%
Written reviews879 reviews
Positive46.2%
Neutral5.0%
Negative48.8%

Grid Money

All ratings29,513 ratings
Positive90.2%
Neutral1.4%
Negative8.4%
Written reviews1,009 reviews
Positive51.0%
Neutral1.9%
Negative47.1%

User reviews

SoLo Funds

From 41K App Store ratings

What we love

  • 💰 Helpful for emergencies
  • 🤝 Community-driven lending platform
  • ⚡ Quick loan funding
  • 🕰️ Flexible repayment periods
  • 🆙 Ability to build credit score

Room to improve

  • 🤷‍♂️ Inconsistent customer support
  • 🤯 Unclear fees and policies
  • 🤕 High risk of loan defaults
  • 🤬 Lack of lender protection
  • 📉 Declining lender satisfaction

Grid Money

From 30K App Store ratings

What we love

  • 🚀 Instant cash advances
  • 💳 Helpful credit-building tools
  • 👍 User-friendly app
  • 🤝 Reliable customer service
  • 💰 Flexible repayment options

Room to improve

  • 🐛 Technical issues with account connectivity
  • 🕰️ Slow response from customer support
  • 💰 Subscription fees and hidden costs
  • 🔒 Concerns about account security
  • 📆 Delays in receiving cash advances

Bugs and requests

SoLo Funds

Reported bugs

4 issues
  • App crashes and freezes
  • Payment processing issues
  • Account verification problems
  • Compatibility problems with certain cards

Requested features

5 requests
  • Improved lender vetting process
  • Automated loan recovery system
  • Transparent reporting on loan statuses
  • Ability to filter borrowers by credit history
  • Enhanced communication channels

Grid Money

Reported bugs

4 issues
  • Recurring subscription charges even after cancellation
  • Inability to access funds due to 'network issues'
  • Inconsistent advance amounts and payout timelines
  • Difficulty in closing accounts and removing bank information

Requested features

4 requests
  • Expand support for non-W2 workers
  • Improve direct deposit and early paycheck access
  • Provide more transparency on credit-building features
  • Enhance communication and update users on service disruptions

In-app purchases

None

SoLo Funds

No in-app purchases

None

Grid Money

No in-app purchases

Questions

Is SoLo Funds free?
SoLo Funds is free to download, with no in-app purchases.
Is Grid Money free?
Grid Money is free to download, with no in-app purchases.
Which has better reviews, SoLo Funds or Grid Money?
Grid Money is rated higher. SoLo Funds averages 4.4 out of 5 from 41K ratings, while Grid Money averages 4.6 from 30K ratings.
Do SoLo Funds or Grid Money have ads?
SoLo Funds shows ads; Grid Money does not.
Which is updated more often, SoLo Funds or Grid Money?
SoLo Funds ships an update weekly, and Grid Money weekly. Most recently, SoLo Funds was updated on September 24, 2026 and Grid Money on September 24, 2026.

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