Grain is a digital credit card that lives on your phone, not your wallet. The credit offer is based off of your cash flow. All payments and credit activity happens between the app and your linked account.
• Get credit within minutes – just link your primary checking account and you will have access to credit within moments. No credit check required.
• Report your credit – we report your account activity to all three credit bureaus on a monthly basis.
• Auto-Pay – make payments at the best time for you during your billing cycle so you can avoid late and overdraft fees and increase your credit score with on-time payment history.
• Safeguard your credit – we don’t incentivize you to spend as much as possible.
• Track your credit score – watch your credit access and score grow as you use the safeguards we put in place.
• Personalized credit tips – adjust your 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.
• 12% APR and 1% Finance Charge on Credit Advances – we don’t believe in unnecessary fees.
*Credit offer dependent on cash flow in primary connected account. Offer may require a security deposit. See your Credit Agreement for further details
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/