Build credit without a credit card

Responsible credit for everyone.

? have joined and counting...

Credit that works for you

We believe everyone should have a positive experience with credit. That’s why on a day-to-day basis, Grain provides the amount of credit you can afford and facilitates the payment plan too. Because we’re always working for you behind the scenes, we have your rainy days covered for the bigger things. So you don’t have to deal with credit cards, debt, fees and confusion.


The credit process should be more sensible. We think about it in the big picture. Not only do we want you to have easier access to it but we also think there should be a simpler way to keep it. So we don’t make you jump through hoops. We’ve made it simple so that when you need that second cup of artisanal coffee, you’ll be able to enjoy it.


We think everyone should have a chance at building and keeping good credit. So we’ve made it our mission to make it affordable so more money stays in your pocket.

We have your back

Feel safe knowing that your account is FDIC insured. We go beyond superhuman when it comes to your security and are dedicated to keeping your account safe. We take your privacy and security seriously. Your personal information is secured using industry-standard encryption. And we never store your bank credentials, account or routing numbers on our servers.

Get early access