Grain replaces your credit card by providing a revolving line of credit to your debit card based on your cash flow. No credit card or credit check needed. We empower you to manage your credit responsibly by offering credit you can afford and need for your day-to-day expenses all while helping you build positive credit history.
We want to help in any way we can. So effective immediately, we are temporarily cutting minimum payments due in half.
Grain is available nationwide in all states.
3 STEPS TO GET STARTED
1. Sign up with any of the 1000+ banks we support.
2. Grain analyzes your cash flow and instantly offers you a revolving line of credit.
3. Transfer credit directly to your checking account and use your debit card as you normally would. Your credit limit automatically increases with good payment habits.
MORE COOL FEATURES
Automate your payments so you never fall behind.
Prevent your checking account from sneaky overdraft fees. Grain automatically transfers credit to your account when youre about to overdraft.
Automated Credit Builder
Automate your credit building without thinking about it. Grain transfers small amounts of credit to your checking account and repays it with zero interest.
Credit Score Monitoring
Monitor your credit score over time so you can track your progress and credit health.
We report to all 3 credit bureaus (Transunion, Equifax, Experian) to help build your credit score.
Personalized Credit Score Insights and Recommendations
Get personalized insights and actionable recommendations on how to improve your credit score with credit tips.
12% APR and 1% Finance Charge on Credit Advances. We dont believe in unnecessary fees.
256 bit bank-level encryption to protect all your data. We NEVER share your data.
FDIC-insured up to $250,000.
Grain is headquartered at:
505 14th St
Oakland, CA 94612
Grain Help Line:
1 (833) 755-0809
Grain Help Email:
Terms of Service: https://trygrain.com/termsofservice/