Grain: The Digital Credit Card 8.7.4

Grain is a credit-building solution that offers an opportunity to increase your credit line with a modest $25 initial deposit. Unlike traditional credit cards, Grain does not require a credit check or a physical card. Currently, Grain is available in Maryland, Minnesota, New Hampshire, Ohio, and Utah.

• Get an offer in minutes: By linking your primary checking account, you can quickly receive a credit offer within minutes.
• Fast access to credit: With just a $25 security deposit, you can start using your credit immediately.
• Use credit in seconds: Instantly transfer your credit to your linked checking account and utilize it as cash or in any other way you prefer.
• Build credit: Making on-time payments through auto-pay will help you build your credit while avoiding late and overdraft fees.
• Pay deposit in installments: Unlock additional credit as you make installment payments.
• Credit reporting: Grain reports your account activity to all three major credit bureaus on a monthly basis.
• Fees: Grain charges a 15% Annual Percentage Rate (APR) and a 1% finance charge on credit advances. Additionally, there is a one-time sign-up fee and a monthly service fee. For more information, refer to the Credit Agreement and Terms of Service.
• Personalized credit tips: Grain provides actionable recommendations to help you improve your credit score by adjusting your credit management habits.
• Security taken seriously: Your data is protected by 256-bit bank-level encryption, and Grain is FDIC insured for added peace of mind.

Please note that the credit offer is dependent on the cash flow in your linked checking account. For further details, please refer to the Credit Agreement and Terms of Service.

Grain is headquartered at:

505 14th St

Suite 900

Oakland, CA 94612

If you have any questions or need assistance, please contact Grain Help Line at 1 (833) 755-0809. For customer support, you can visit Grain Customer Support. For additional information, you may refer to the Terms of Service (link) and Privacy Policy (link).