Grain: The Digital Credit Card 4+

Credit For Your Debit Card

Lenders cooperative

Designed for iPad

    • 4.6 • 36K Ratings
    • Free



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:
Terms of Service:
Privacy Policy:

What’s New

Version 8.7.3

• Minor enhancements
• Bug fixes

Ratings and Reviews

4.6 out of 5
36K Ratings

36K Ratings

mikecin ,


Honestly I was very skeptical at first, but after doing a ton of research grain stood out from all the rest. I was in need of some cash to pay rent and was looking for an app that would do a paycheck advance. All of them were horrible! THEN I FOUND GRAIN!! Not only did I not have to do a paycheck advance and deal with all the horrible fees all other apps/ cash lenders were offering, but Grain extended a helping hand and gave me a opportunity to fix/better my credit. I don’t have the best credit nor the length of credit history most company’s require to get a line of credit. Grain checked my bank history and recognized my cash flow into my account and gave me a chance. I was very quickly approved for well over the amount I needed to pay my bills and was able to transfer the funds directly into my checking account. The process of the funds to get to my account took only 4 days (during that time I was freaking out not knowing if it would actually work). I haven’t had any issues and can’t wait to not only establish a well documented relationship with grain, But also to get my credit score back to what I know it could be. I would give this app 10 stars if I could & HIGHLY RECOMMEND this application to anyone who needs anything from a line of credit to get out of a struggling situation or to someone who just needs to be given a chance to build/better their credit score regardless of their credit past or credit life span. THANK YOU GRAIN. =)

Developer Response ,

Thank you so much for joining Grain and for rating and reviewing us. We're so happy Grain was able to help you out, and then some. We're looking forward to a long relationship with you too!

germaindiop ,

Best thing I ever experienced in my life

I don’t even know where to start on this review. I’ve been trying to work with these folks for the past few weeks, but I wasn’t able to because I live in WA. The company was only working with 5 states at that time and now they’re going nationwide. I got approved in a matter of seconds for actually a real credit account. I highly recommend this for people who trying to work on their credit score because many banks won’t work with you with a 600 or lower unless you apply for the secured credit card. These folks are giving people like me a chance with a real credit card which is going to be your regular daily basis debit card. UNBELIEVABLE! I did have some technical issues when trying to connect my bank info, because I applied with a different email address the first time. I called customer service and it was fixed in less than 5 minutes. It was a black dude on the phone, did an awesome job man. After you get approved for a line a credit, people please make sure you’re responsible of your account and make payments on time. Stuff like this ain’t easy to find. My name is Germain by the way. This company deserves some LIKES, SHARE, THUMBS UP, and GOOD REVIEWS. ❤️❤️❤️

Developer Response ,

We are live nationwide now! You should be able to accept your offer. If you have any trouble, just reach out over email and we'll help you out.

Southwestair ,

Can’t get a hold of customer service

I have been trying to reach Customer Service, in regards to setting up my account, verifying my email address, both, emailing them, and calling them. With no regards to getting back to me in a timely manner. I need help, financially, that is why I’m trying to set up this account, and order also to better my credit score, I am not able to verify my email address. Sense, I would have to go through my bank, there is no way I can send them screenshots, I am totally blind, and, I wish that their app would be a little more accessible in regards to setting this account up, I thought I signed up a while back, and I cannot find the link to change my password, without having to verify my email. I have tried to email them, twice now. Last night, and it was a message sent to them that I sent, after business hours, so it sent me the automated reply to that, and now, who knows when they’ll get back to me. I would advise people if they want to sign up, you can, however, Customer Service is a little sketchy. As far as not getting back on a timely manner and so forth for help. And also, I would definitely be careful. Because if you are having tech issues, who knows when we’ll get back if ever. So good luck to everyone, that’s trying to improve their credit, and needing help. We’re all struggling financially, and this is a very frustrating process to go through.

Developer Response ,

We're so sorry you are having issues and having trouble reaching Support. If you still need your issue resolved, please email with the subject line: Follow up to my App Store review.

App Privacy

The developer, Lenders cooperative, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • Identifiers
  • Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Usage Data

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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