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/
Predatory
Terms changed making this a paid service after locking you in.
Sign up
I’ve been trying to make an account for months due to app crashing and now the sign up option doesn’t even exist? Wow
Credit Limit
I don’t feel it’s fair that my Credit limit was lowered because I mad my minimum payment every month. Once this loan is paid y’all don’t have to worry about me anymore. And will not be referring anyone to use yall!!!!
Can’t sign up
You’re only given an option to sign in with no say to sign up.
Please do not download
PLEASE DO NOT DOWNLOAD!!! If I could give 0 stars, I would. Almost every other month, they lower your credit limit to your current balance, which makes it seem like you’ve maxed out the line. This app has been nothing but a headache, and I can’t wait to pay it off and close it out. I regret ever downloading.
App isn’t working
When I try to input my email to sign up, it just closes the app. I’ve redownloaded it 3 times now. ☹️
App Overall
I’ve had nothing but issues with the app since hearing about it I can’t verify my identity and I don’t see an actual number or call for help or support deff was very interested but can’t get any where
• Remove option to Sign Up – “Open a Credit Account” and replace it with single option to “Sign In” • Added feature to enable “Include Past Due” as part of Auto-Pay functionality. • Minor enhancements • Bug fixes
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