Grain: The Digital Credit Card

Grain helps build your credit and increase your credit line with only a $25 initial deposit. No credit check or physical card. Grain is available in Maryland, Minnesota, New Hampshire, Ohio, and Utah. • Get an offer in minutes - link your primary checking account and see your credit offer in minutes.
• Fast access to credit - Start using your credit after placing just $25 of the security deposit.
• Use credit in seconds - instantly transfer credit to your linked checking account and use it as cash, from your debit, or any way you’d like.
• Build credit - on-time payments help build your credit. Auto-pay drafts monthly minimum payments before your due date to avoid late and overdraft fees.
• Pay deposit in installments - unlock more credit with every installment placed.
• Credit reporting - we report your account activity to all three credit bureaus monthly.
• Fees - 15% APR and a 1% finance charge on credit advances. A one-time sign-up fee and monthly service fee apply. See Credit Agreement and Terms of Service for more details.
• Personalized credit tips - adjust your credit management habits and improve your credit score through actionable recommendations.
• Security taken seriously - we protect your data with 256-bit bank-level encryption, and we are FDIC insured.

*Credit offer dependent on cash flow in linked checking account. See Credit Agreement and Terms of Service for further details.

Grain is headquartered at:
505 14th St
Suite 900
Oakland, CA 94612

Grain Help Line:
1 (833) 755-0809

Customer Support: https://graincustomersupport.zendesk.com/hc/en-us
Terms of Service: https://trygrain.com/termsofservice/
Privacy Policy: https://trygrain.com/privacypolicy/