Grain: Get and Build Credit for iOS

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.

COVID-19 Response:

We want to help in any way we can. So effective immediately, we are temporarily cutting minimum payments due in half.

Availability

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

Automated Payments

Automate your payments so you never fall behind.

Overdraft Prevention

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.

Credit Reporting

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.

Fees

12% APR and 1% Finance Charge on Credit Advances. We dont believe in unnecessary fees.

Bank-Level Encryption

256 bit bank-level encryption to protect all your data. We NEVER share your data.

FDIC-Insured

FDIC-insured up to $250,000.

Grain is headquartered at:

505 14th St

Suite 900

Oakland, CA 94612

Grain Help Line:

1 (833) 755-0809

Grain Help Email:

help@trygrain.com

Terms of Service: https://trygrain.com/termsofservice/

Privacy Policy: https://trygrain.com/privacypolicy/