After our team of researchers put 15 government grant programs to the test, we identified the most reputable, user friendly and current grant directories on the market today. By publishing these results for the first time, individuals can feel confident knowing the information needed to apply for free grant money can be obtained with any of the resources listed below.
About Government Grants: While the federal government gives away over $80 billion in free government money every year, individuals may be more likely to find grant funds through local and state government agencies. In addition, there is millions of dollars provided by private organizations and foundations that most people don't know exists. One distinct difference between a grant and a loan is that a cash grant never has to be paid back. These are tax-free funds that are given away to qualified individuals for a variety of reasons, including:
- Small Business Start-Up Financing
- Relief for Credit Card and Other Debts
- First Time Home Buyers and Home Improvement
- College Tuition and Related Educational Expenses
Who Can Get a Grant: Any citizen at least 18 years old is eligible to apply for government and private foundation grants. While each program has its own qualification requirements, there is no limit on the number of offers that can be applied for. Requesting a grant does not typically require a credit check, a cosigner or any kind of collateral. In many instances there is no income verification either.
How Do You Apply: The first step in obtaining your grant money is to access one or more of the grant resources below, which will provide you with an easy-to-use database to help you find and apply for the currently available funds. In some cases, such as with education grants, once your application is approve you are automatically eligible to receive the grant money over and over again.
Note: Some grants may be listed in one of the sources below but not the others. Increase your chances of success of finding additional offers by accessing more than one of the grant sources below.
| Resource | Price |
Rating |
Detailed Review |
| Grant Funding Source | FREE (just $2.95 for access) |
 |
Read Below |
| Operation Payback | FREE (just $0.99 for access) |
 |
Read Below |
| Grant Money USA | FREE (just $1.95 for access) |
 |
Read Below |
Grant Funding Source
(Price: FREE — just $2.95 for access)
We found this grant program to be of superior quality. You'll not only receive access to a large list of federal government and state grants, but there is a healthy selection of private funding as well. This resource provides a number of grant options for individuals that can provide the money needed for personal use. Regardless if you are interested in applying for financial aid for college, real estate, or other personal expenses, there is plenty of money to be claimed. The list of resources is constantly updated so you are sure to be first in line when you are ready to apply. Access to this program also provides a software kit that includes ready-to-go application templates that are professionally designed.
Operation Payback
(Price: FREE — just $0.99 for access)
Our runner-up is a close second and also a great resource. While this program includes a current list of available grants, it's strength is with the searchable database. The software is easy to use and easy to sort, so you can quickly find and apply for the money you need. We also put their online support to the test, which we were pleasantly surprised with. The representatives were responsive and capable of answering a variety of technical issues. While the support and software is superior in comparison to other programs, our first choice had just a few more grants listed in their directory. However, we did find some important offers in this program that were not listed in others. Consider access to both programs if possible.
Grant Money USA
(Price: FREE — just $1.95 for access)
Just because this is our third choice does not make it a bad one. If you could only select two grant sources, we recommend the two above, but this resource has tremendous value as well. The directory included here is not as thorough as our first choices, but we like this for one important reasons. It includes more grants from private organizations, which are specifically to help individuals with personal expenses, rather than business owners and students. Keep in mind that we reviewed 15 grant programs, most of which did not even come close to competing with our top 3 choices. We suggest starting with the first two resources, but if you need additional help then this would be our next pick.
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