The Digital Credit Card for Everyone

Grain provides a line of credit based on your cash flow, not your credit score.

*Signing up will not impact your credit score

How it Works

Just sync your current debit card and use Grain as you would a credit card. Grain analyzes your cashflow and instantly pre-approves you for a line of credit.

Download the app

Sign up with any of the 10,000+ banks we support.

Connect your primary checking account

Get instantly pre-approved for a line of credit, without impacting your credit score.

Use your debit card

Use your debit card as you normally would while Grain works for you behind the scenes.

The credit card alternative

Grain empowers you to manage your credit responsibly by only using what you need for your day-to-day expenses. Transfer credit to your checking account in seconds.

Can’t get a credit card? No problem.

You’re more than a credit score. With Grain, you get a revolving line of credit based on your cash flow.

Bank-level security

With 256-Bit Encryption, your data is protected with bank-level security. We never share your data with third parties.

Grain's Rate

15% APR

With auto-repayment

*1% Finance Charge on credit withdrawals. Sign Up Fee and Monthly Service Fee may apply. See Credit Agreement and Terms of Service for further detail.

Get started with Grain now