Link Your Checking Account
Connect your primary checking account for your best credit offer.
A Line of Credit Centered Around Cash-Flow
Use your credit within seconds from your existing checking account.
1% Finance Charge on credit withdrawals. Sign Up Fee and Monthly Service Fee apply. See Credit Agreement and Terms of Service for further detail.
Minimum Payment Auto-Pay
Automatically pay before your due date when your linked account has sufficient funds.
Monthly Credit Reporting
Your Grain credit line, current balance, account status, and payment history are reported to Equifax, Experian, and Transunion every month.
4.6 Stars from 35,000+ Reviews
"This is so legit, easy to use. Available when needed. Helps to build credit. I’m very happy to have this app!”
@Customer515
App store Review
"This is just a great little grand you can have sitting to the side for whatever you need to do.”
@USMADE
App store Review
"Great product. Fast, reliable, easy to use. It works as advertised.”
@jediace38
App store Review
"This is a line of credit that allows me to easily transfer funds to my bank account. I would definitely recommend.”
@Walter Dean
App store Review
"The easiest credit card I’ve ever had. Signed up, was approved for the max. Transfer funds to your bank account as you need them. Pay it off like a normal credit card”
@Sodone1234
App store Review
"I downloaded the app thinking it was too good to be true, turns out its NOT. Instantly approved for the max line (started application 15-20 mins ago) and will receive my deposit tomorrow.”
@rockoy1
App store Review
"My credit has always been this heavy weight that I have carried with me for years. My score has prevented me from being able to rent an apartments, car, or take out loans. Then I found Grain.”
@#endcorana
App store Review
"App is amazing. Has helped me in several situations and would recommend it to anyone. Customer service is great. Stop thinking about it and just download it you’ll see for yourself.”
@Customer515
App store Review
"I enjoy the fact that I can use my credit through my phone and I went up 40 points in a month with Grain.”
@Eddhart
App store Review
Join us today.
Your wallet deserves it.
Oakland, California