# SoLo Funds vs Grid Money

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.

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

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.

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

## The numbers

| Metric | SoLo Funds | Grid Money |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (41K ratings)](https://appshunter.io/ios/app/solo-funds-lend-and-borrow/id1270164837/reviews) | **[4.6 (30K ratings)](https://appshunter.io/ios/app/grid-money/id1473180914/reviews)** |
| Number of ratings | **41K** | 30K |
| Positive reviews | 46.2% of reviews | **51.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Weekly | Weekly |
| Monetization | **Free with in-app purchases** | Subscription |
| Best chart rank | — | **#138** |
| Size | 199 MB | 312 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [SoLo Funds Inc.](https://appshunter.io/developer/1270164836) | [Hatfield, Inc.](https://appshunter.io/developer/1387973302) |

## What reviewers say

### SoLo Funds

[App page](https://appshunter.io/ios/app/solo-funds-lend-and-borrow/id1270164837)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/grid-money/id1473180914)

**Currently charting:** #138 Top Free · Finance (US App Store)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- 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**

- 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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*