Your Guide to the 5 Best Grocery Delivery Services

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Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print to help you understand what you are buying. Be sure to consult with a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time.

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Americans keep spending more and more on dining out, and in 2016, spending on food away from home outstripped grocery spending for the first time, according to an analysis from Quartz. In fact, the average millennial spends $2,900 eating out each year — money you could save by cooking at home, instead.

If you learn to cook on a budget and eat at home more, grocery delivery services can be a smart investment. And a grocery delivery service can bring some of the convenience of eating out to cooking and dining at home.

But you’ll need to find the best grocery delivery service for your busy lifestyle, and your budget. We surveyed the costs, pros, and cons of top delivery services to help you quickly find the right fit.

1. Google Express: Free delivery, no membership needed

grocery delivery services

Google Express costs

  • Free delivery when you meet each store’s minimum purchase amount of $25 to $35
  • If your order amount is below the minimum, a $5 fee applies

Google Express pros

Google Express is one of the cheapest grocery delivery services out there. For most buyers, purchase and delivery fees are waived. I also liked that I could shop and compare prices across multiple stores including Target, Walmart, and Costco — all at once.

With a service area that includes 90 percent of zip codes in the U.S., Google Express might be your best bet for grocery delivery in smaller cities or underserved areas.

In her review of Google Express on La Jolla Mom, blogger Katie Dillon said that the service was a time- and money-saver. “I will save money because I tend to impulse buy random things at Costco (and elsewhere) when shopping in person,” she wrote. “I am more risk averse on the computer.”

Dillon noted that the service would let her use her own Costco membership to avoid a 15 percent surcharge. Google Express also beat online ordering; items she ordered from Target showed up faster than if she’d ordered through the store’s site.

Google Express cons

Unfortunately, Google Express doesn’t currently offer perishable foods — you won’t be able to get produce, dairy, eggs, or similar items through this service.

On top of this, Google Express delivery times vary widely. There’s no same-day delivery option. Some stores and items can be delivered next-day, while others might arrive in a week or longer.

Bottom line: Google Express is a low-cost, low-commitment option. You probably can’t use it to replace grocery trips altogether, due to the lack of perishable items. But it still offers a lot of convenience at the can’t-be-beat price of free.

2. Instacart: A comprehensive selection

grocery delivery service

Instacart costs

  • $6 per store on the delivery, for purchases of $35 or more
  • Or free delivery for all orders over $35 with a $149 annual membership
  • One-hour delivery for $8

Instacart pros

One of the fastest food delivery services on this list, Instacart lives up to its name. Same-day delivery is standard, with the option for one-hour delivery for just $2 more. Instacart can deliver any item you want from stores such as Smith’s, Kroger, Whole Foods, Costco, and Petco to your door.

Instacart has some neat features, including a shopping list tool and a coupons section. It also has a relatively wide service area, so chances are good it includes your home address.

Marcey Rader is a busy life and productivity coach based in Raleigh, and Instacart is her go-to for frozen and fresh produce alike. “The shoppers pick even better produce than I do,” she said. “It’s so convenient to carry over the same list from week to week with a few edits here and there.”

Rader acknowledged that the service does add a bit to your bill. “But it saves you that in time, gas and getting those items that you really didn’t want, but got sucked in due to advertising or the display.” She also likes that Instacart will “alert me via the app when they’ve started the shopping and text me when they have to make a substitution.”

Instacart cons

The big thing to watch for with Instacart is the pricing, which can be higher for certain items or stores. You don’t need a Costco membership to order through Instacart, for instance — but you’ll also pay more for items ordered there. A pack of diapers that usually costs me $35.50 at Costco, for example, was priced at $52.50 on Instacart, plus the $6 delivery fee.

There are a couple of other charges to watch for. There’s the “optional” 10 percent service fee that is added by default, for instance. You can lower the amount or skip the fee altogether, but you’ll have to remember to do so manually. This service fee doesn’t go to your deliverer, so there’s still the option (or obligation, as it were) to tip them on top of this fee. The costs here can quickly add up.

Bottom line: When you want to get everything on your list without leaving the house, Instacart will do the trick. While it might not always be the cheapest option, Instacart makes up for that with convenience and fast delivery.

3. AmazonFresh: Perfect for Prime members

best grocery delivery service

AmazonFresh cost

  • You must be an Amazon Prime member to enroll in AmazonFresh, so make sure you’re accounting for that $99 per year
  • $15 a month gets you unlimited free deliveries on purchases of $40 or more
  • For orders under $40, a $10 fee applies
  • AmazonFresh pickups are free with a Prime membership: Place your order and then pick it up at a local Amazon pickup rather than have it delivered to your door

AmazonFresh pros

With same- or next-day delivery (depending on when you order), AmazonFresh can be a fast way to get the items you need.

“Since having a baby last year, my husband and I have been getting a lot of use out of AmazonFresh,” said Stephanie Kibler, founder of personal finance blog Poorer Than You, where she reviewed AmazonFresh. “Being a one-car household, it really helps to be able to get groceries without needing the car, and without having to load an infant into a car seat and then a shopping cart, too!”

You also have the convenience of setting a specific two- to three-hour delivery window, so you can be home to make sure groceries get directly from your door to your fridge. If not, Amazon will package perishable items with appropriate coolants and insulated containers to keep them fresh.

If you have an Amazon Echo connected to your account, you can also ask Alexa to place AmazonFresh orders for you or add items to your cart. Plus, “the ‘Past Purchases’ feature and Dash Wand save us even more time,” Kibler said.

AmazonFresh has a wide variety of items and makes it easy to price compare and shop around. “The time savings alone pays for the monthly fee, but I ran the math and realized that we can actually save a bit of money versus our usual grocery store,” Kibler added. “The ‘Fresh Deals’ and my 5% cashback Amazon credit card save us even more money.”

AmazonFresh cons

Unfortunately, AmazonFresh isn’t available everywhere — although you can visit their site and enter your zip code to see if it services your neighborhood.

The costs of Amazon Fresh, if you include a Prime membership, aren’t the cheapest, either — $280 a year.

Bottom line: For those who value convenience and relatively fast arrival, AmazonFresh can be a smart fit. The $15 per month might seem a little steep, but it could be well worth it if you’re already a Prime member and order as frequently as once a week.

4. Peapod: Shopping list assistance

best grocery delivery service

Peapod costs

  • $10 for orders of $60 to $100 (with a $60 minimum for delivery)
  • $7 for orders $100 or higher
  • $3 for pickup orders
  • May add a fuel surcharge in certain service areas

Peapod pros

If putting together your shopping list is your grocery store stressor, Peapod has some great features that make it a snap.

Peapod saves past purchases list you can easily refer to, and has a tool to build out and save a standard list of staples. It even has a tool, Order Genius, that will suggest items based on what you’ve bought in the past.

Lastly, its item sorting options are the best in the group, making it easy to price compare per-unit or view the most popular items.

Leah Ingram reviewed Peapod on her blog, and pointed out that shoppers can buy both alcohol and meal kits through the service, along with usual groceries. Peapod also has features to help savvy shoppers save more, such as a “buy more, save more” section, coupons, and emails with special coupon codes or other offers.

“In the end I’ve saved money and I’ve saved time,” Ingram wrote in her review. “Plus, I feel like I can do a better job of keeping my grocery spending in check by shopping via a website.”

Peapod cons

The weak point of Peapod’s service might be the timeline of its deliveries. It offers next-day delivery only, and you must be at home to accept your order. Peapod states on its site, “we cannot leave your groceries on your doorstep for safety and freshness concerns.” In fact, if you are not home at that time and miss your order, you could face a re-delivery fee of $15.

Bottom line: Peapod’s shopping list-building tools and item filters are standout features that can save time and simplify purchase planning. Its fees are $3 to $5 higher than other grocery delivery services’ prices listed here, and the $60 and $100 order minimums are steep. However, a friendly and useful interface can still make it worth the cost.

5. Shipt: Customization and control

grocery delivery service

Image credit: Shipt

Shipt costs

  • $99 annual fee, or $14 per month for unlimited delivery of orders over $35
  • $7 delivery fee for orders under $35
  • Possible $7 delivery fee when ordering alcohol (Must be 21 or older and have valid ID to order and receive alcohol delivery)

Shipt pros

If you’re looking for a subscription-based grocery delivery service, Shipt is the least expensive option. Its $99 annual fee beats Instacart’s by $40, and AmazonFresh by $81.

A standout feature is that you can set delivery times within an hour or more of placing your order — without adding on an extra fee. You can use Shipt to shop your usual list at several major grocers, including Kroger, H-E-B, Meijer, and Harris Teeter.

If you want to make sure your order is correct, you can add notes to your order for your shopper. Plus, Shipt allows you to set substitute preferences in case the store doesn’t have a particular item you request. You also have the option to edit your order within the first hour of placing it. And your Shipt shopper will text you while in the store to let you know they’ve started putting your order together, and to check in if they have any questions about your order.

Heather Johnson, founder of the Food Hussy blog, said she has tried many grocery delivery services and Shipt is her favorite. The Shipt shoppers are what won her over: “They’re very thoughtful in their selection of produce, communicative when there’s a substitution to be made and just all around friendly.”

Johnson added that if she wants an item she knows is in the store but not listed in the Shipt app, and she can add a note to her shopper and still get it added to the order.

“Since I started using Shipt, I haven’t been to the store,” Johnson said. “Plus — the shoppers bring the groceries into my kitchen for me. It’s the best.

Shipt cons

Shipt currently only serves certain communities — mainly in the Southeast, Midwest and East Texas — so it won’t be an option for everyone.

Shipt also charges a bit more for products on top of its membership fees: “Our members can expect to pay about $5 more using Shipt than they would on a $35 order purchased in the store themselves,” according to the service’s FAQ section. That equates to a price increase of around 15 percent.

Bottom line: A big concern with grocery delivery services is the quality of your items when someone else picks them out. With the option to change your order after placement, send notes to your shopper, or select substitution preferences, Shipt gives you way more control over the process. These features and the built-in line of communication with your shopper make it easier to ensure your items are up to par.

Other food and grocery delivery services worth checking out

These are just some of the top grocery delivery services out there, and some offer an entirely different approach.

Many grocery stores are jumping on the train with options to order online and pick up in-store. Kroger and Smith’s grocery chains offer online ordering, pick up, and even home delivery at many locations through ClickList, for instance. The online grocery ordering options are also relatively low cost, with ClickList charging $5 per order, or $8 for expedited orders.

If you want truly fresh produce, joining a community-supported agriculture (CSA) co-op can be a great choice. You typically buy a “share” or pay an ongoing subscription fee, and get to pick up a basket of freshly-picked fruits and veggies every week or two. Many CSAs also offer delivery.

Lastly, meal kit delivery services are a trendy way to simplify cooking at home. Popular options such as Blue Apron and HelloFresh deliver all the ingredients you need to make a complete meal, right to your door. You don’t need a shopping list, you’ll waste less food, and you’re sure to expand your palate and pick up some new cooking techniques.

So which is the best grocery delivery service for you? Only you know the right balance between cost versus convenience in your life.

In most cases, getting your groceries through a service a will cost more than going yourself. But if a grocery delivery service can free up more sanity or time, they can be worth every penny.

Money might not buy happiness, but if you use money to save time and limit stress, that’s almost the same thing.

Interested in refinancing student loans?

Here are the top 6 lenders of 2020!
LenderVariable APREligible Degrees 
1.99% – 5.64%1Undergrad
& Graduate

Visit Earnest

1.89% – 5.90%2Undergrad
& Graduate

Visit Laurel Road

2.25% – 6.28%3Undergrad
& Graduate

Visit SoFi

1.89% – 6.77%4Undergrad
& Graduate

Visit Splash

2.39% – 6.01%Undergrad
& Graduate

Visit Elfi

1.99% – 5.61%5Undergrad
& Graduate

Visit CommonBond

Check out the testimonials and our in-depth reviews!
1 Important Disclosures for Earnest.

Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 2.98% APR (with Auto Pay) to 5.79% APR (with Auto Pay). Variable rate loan rates range from 1.99% APR (with Auto Pay) to 5.64% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of July 31, 2020, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 7/31/2020. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at [email protected], or call 888-601-2801 for more information on our student loan refinance product.

© 2020 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.


2 Important Disclosures for Laurel Road.

Laurel Road Disclosures

All credit products are subject to credit approval.

Laurel Road began originating student loans in 2013 and has since helped thousands of professionals with undergraduate and postgraduate degrees consolidate and refinance more than $4 billion in federal and private school loans. Laurel Road also offers a suite of online graduate school loan products and personal loans that help simplify lending through customized technology and personalized service. In April 2019, Laurel Road was acquired by KeyBank, one of the nation’s largest bank-based financial services companies. Laurel Road is a brand of KeyBank National Association offering online lending products in all 50 U.S. states, Washington, D.C., and Puerto Rico. All loans are provided by KeyBank National Association, a nationally chartered bank. Member FDIC. For more information, visit www.laurelroad.com.

As used throughout these Terms & Conditions, the term “Lender” refers to KeyBank National Association and its affiliates, agents, guaranty insurers, investors, assigns, and successors in interest.

  1. Checking your rate with Laurel Road only requires a soft credit pull, which will not affect your credit score. To proceed with an application, a hard credit pull will be required, which may affect your credit score.
  2. Savings vary based on rate and term of your existing and refinanced loan(s). Refinancing to a longer term may lower your monthly payments, but may also increase the total interest paid over the life of the loan. Refinancing to a shorter term may increase your monthly payments, but may lower the total interest paid over the life of the loan. Review your loan documentation for total cost of your refinanced loan.
  3. After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for full or partial forbearance of payments for one or more 3-month time periods (not to exceed 12 months in the aggregate during the term of your loan), provided that we receive acceptable documentation (including updating documentation) of the nature and expected duration of the borrower’s economic hardship. During any period of forbearance interest will continue to accrue. At the end of the forbearance period, any unpaid accrued interest will be capitalized and be added to the remaining principle amount of the loan.
  4. Automatic Payment (“AutoPay”) Discount: if the borrower chooses to make monthly payments automatically from a bank account, the interest rate will decrease by 0.25% and will increase back if the borrower stops making (or we stop accepting) monthly payments automatically from the borrower’s bank account. The 0.25% AutoPay discount will not reduce the monthly payment; instead, the discount is applied to the principal to help pay the loan down faster.

Assumptions: Repayment examples above assume a loan amount of $10,000 with repayment beginning immediately following disbursement. Repayment examples do not include the 0.25% AutoPay Discount.

Annual Percentage Rate (“APR”): This term represents the actual cost of financing to the borrower over the life of the loan expressed as a yearly rate.

Interest Rate: A simple annual rate that is applied to an unpaid balance.

Variable Rates: The current index for variable rate loans is derived from the one-month London Interbank Offered Rate (“LIBOR”) and changes in the LIBOR index may cause your monthly payment to increase. Borrowers who take out a term of 5, 7, or 10 years will have a maximum interest rate of 9%, those who take out a 15 or 20-year variable loan will have a maximum interest rate of 10%.

KEYBANK NATIONAL ASSOCIATION RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.

This information is current as of September 9, 2020. Information and rates are subject to change without notice.
 


3 Important Disclosures for SoFi.

SoFi Disclosures

  1. Student loan Refinance: Fixed rates from 2.99% APR to 6.28% APR (with AutoPay). Variable rates from 2.25% APR to 6.28% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.25% APR assumes current 1 month LIBOR rate of 0.18% plus 2.32% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. 

4 Important Disclosures for Splash Financial.

Splash Financial Disclosures

Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are also subject to change at any time without notice. Offers are subject to credit approval. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet applicable underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates are reserved for the highest qualified borrowers. If approved, your actual rate will be within a range of rates and will depend on a variety of factors, including term of loan, a responsible financial history, income and other factors. Refinancing or consolidating private and federal student loans may not be the right decision for everyone. Federal loans carry special benefits not available for loans made through Splash Financial, for example, public service loan forgiveness and economic hardship programs, fee waivers and rebates on the principal, which may not be accessible to you after you refinance. The rates displayed may include a 0.25% autopay discount.

The information you provide to us is an inquiry to determine whether we or our lenders can make a loan offer that meets your needs. If we or any of our lending partners has an available loan offer for you, you will be invited to submit a loan application to the lender for its review. We do not guarantee that you will receive any loan offers or that your loan application will be approved. Offers are subject to credit approval and are available only to U.S. citizens or permanent residents who meet applicable underwriting requirements. Not all borrowers will receive the lowest rates, which are available to the most qualified borrowers. Participating lenders, rates and terms are subject to change at any time without notice.

To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

Splash Financial and our lending partners reserve the right to modify or discontinue products and benefits at any time without notice. To qualify, a borrower must be a U.S. citizen and meet our lending partner’s underwriting requirements. Lowest rates are reserved for the highest qualified borrowers. This information is current as of September 10, 2020.


5 Important Disclosures for CommonBond.

CommonBond Disclosures

Offered terms are subject to change and state law restriction. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900), NMLS Consumer Access. If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. ‍All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 0.16% effective Sep 1, 2020 and may increase after consummation.

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print to help you understand what you are buying. Be sure to consult with a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time.