Grinding is the sound of metal on metal. The pad friction material is gone, and the steel backing plate is contacting the rotor directly. This is past the warning stage. Every stop is scoring the rotor surface. What would have been a pad replacement ($149–$249/axle) is becoming a pad-plus-rotor replacement ($299–$499/axle), and if you continue long enough, it can damage the caliper.
The grinding may also come from debris — a small stone lodged between the pad and rotor. This produces a sharp, consistent grinding that may resolve after a few stops if the stone dislodges. If it doesn't go away within a day of driving, bring it in. You can't tell from inside the car whether it's debris or worn-through pads.
A grinding or growling sound that appears without pressing the brake pedal — constant when rolling — often points to a wheel bearing rather than the brake system. The bearing sits inside the hub; when it fails, it makes a sound that varies with speed, not with brake application.