Transform your debit card into a credit card

Grain provides you with a line of credit based on your income and spending, using your existing debit card.

COVID-19 Announcement

We’re temportarily cutting minimum payments in half

*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 income and instantly offers you a revolving line of credit.

Download the app

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

Connect your primary checking account

Get instant access to a revolving line of credit - without impacting your credit.

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. You get cash advances directly to your bank account for free.

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 income and cash flow.

FDIC Insured. 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

12% APR

With auto-repayment

*1% Finance charge on Credit Advances. See Credit Agreement for details

Get started with Grain now