Grain: The Digital Credit Card
Credit For Your Debit Card
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Description

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/
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User Rating

4.54 out of 5

36,169 ratings in United States

5 star
30,502
4 star
1,398
3 star
699
2 star
391
1 star
3,179

Ratings History

Reviews

Bad App

vProphet3242 on

Can't even make an account. Only gives an option to sign in. How exactly am I supposed to sign in when I can't even make an account 😐

Run

Unhappy with Coserv on

They are worst than capital one. The lady Lauren in the credit department is very dismissive and refuses to help with anything but that’s OK cause I will be filing for arbitration. I’ve had way too many issues with them and I’ve done nothing but make payments on time after month. They’ve had issues with bank connections, they will lower your credit limits for no reason, as well as take away your ability to withdraw even though you haven’t purposefully missed any payments! Honestly, I think they’re getting ready to go out of business so that may be the reason why they are cutting everyone’s limits and stopping the ability to make withdrawals.

Unable to make payment.

Cynt21 on

App not working, complete blue page, unable to proceed, unable to make payment, emailed support no response, PLEASE HELP ME MAKE PAYMENT TO PREVENT LATE FEE.

Can’t join? Says “This Grain Application is Cancelled” !?

siveygirl on

I see your latest update removed the ability to “sign up” from the Home Screen. HOW do you create an account then? I went to your web page, no where there. I open the app and the ONLY thing I can do is login. But how does someone log in who doesn’t yet have an account? I don’t understand why you removed it? Are you no longer allowing new customers?? Any help would be appreciated. I even tried clicking forgot password, entered my email address, then it gave me an error message. 🙄 I honestly cannot fathom an app that doesn’t have an option to sign up. What’s the point? Please fix!

Worst credit app

Young-Pete on

Don’t make the mistake of using this glitchy app I haven’t been able to connect any of my banks (4) to pay back my debts and they don’t give any solutions I can’t even mail them a check and now my account is past due. This grain app is the worst financial decision you can take.

They weren’t able to verify my identity

Schnazzy wazzy on

And they don’t give you an opportunity to correct it so you end up not even being able to use it Disappointed

How am I supposed to sign up for your app?

I’ll review if it stinks on

You guys removed the sign up feature. Are you not accepting new customers? Like what?

No way to sign up

jwheels111 on

I was trying to find an app that gives credit and was optimistic that this would be a good app. Nope. I download the app and there’s no way to sign up for anything. All I get is a screen that says “sign in”. I don’t have an account so I can’t. How about if you don’t allow people to sign up then just say that

Worst app ever

BossLadyJG on

I attempted to sign up for this app over a year ago. It claimed it could not verify my identity. I have reached out multiple times to try to get this fixed and nothing no help from the app no help from customer service and it just states every time I try to get on there that they can’t verify my identity. The app does not reset after time just once you get to know that’s it and then you asked for a call back you sent emails. You get no response. Don’t waste your time.

Absolute TRASH!

Rockyman3 on

I’ve been on auto pay since the day I signed up! They have been getting the highest amount of interest they can possibly get from me. They’re making money off me for using there services. Which are fine. What’s not fine is they just randomly sent me an email today saying that I can no longer withdraw anymore money. So I guess after I pay it off, I can no longer be a customer if there’s. When I’ve been a customer since they first started. Never ever ever ever missed a payment. Not a single time! Also, they barely even let you borrow any money and you ALWAYS HAVE to put up a security deposit! Do not download or do business with them!

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Ranking History

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Top Free
413

Keywords

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Revenue and Downloads

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App Info

Category
Finance
Publisher
Summit Technology Consulting Group, LLC
Languages
English
Recent version
8.7.4 (3 months ago )
Released on
Dec 4, 2019 (4 years ago )
Last updated
3 weeks ago