Grain is an app that democratizes access to and eases the management of credit through fast, revolving digital credit lines based on cash flow.

All you need need is an iOS mobile phone or tablet and a US checking account.

You can download Grain on the App Store.

Yes! Grain is available throughout the United States.

It takes only a few minutes to apply for and receive your credit offer.

There is a 1% finance charge each time you make a withdrawal. You are only charged interest on the credit you use (15% APR with Auto-Pay enabled or 17.99% APR with Auto-Pay disabled). Late payments incur late fees (5% of minimum payment due or $5, whichever is less). Sign-Up Fee and Monthly Service Fee may apply. See Credit Agreement and Terms of Service for further detail.

Go to the Grain page in the App Store and press the share icon in the right hand corner.

You were asked to place a security deposit to access your credit because we offered you a secured credit line.

A security deposit for credit is a secured credit account that requires a security deposit in order to open the credit account. Typically, consumers are asked to place a security deposit due to their lack of credit history or sub-prime credit score. Grain doesn’t care about your credit history or credit score. Instead we may ask you to place a security deposit based on the cash flow in your linked checking account.

Security deposits for credit cards are commonplace. Many other credit providers, such as Visa, Discover, Capital One and Citi, offer up a type of secured credit. To learn more about secured credit and secured cards, click here.

Right now we offer up to $1,000 credit lines with the opportunity to increase after 6 months from the time you signed up for Grain.

You can call Grain at +1 (833)-755-0809. For the quickest response, please click here.

We do not deny anyone based on their credit history or credit score. We generate your credit offer solely on the cash flow of the checking account you link to Grain.

Any time you open a new credit account, depending on your personal credit mix, you could impact your credit score, positively, negatively, or not at all. So, we wish we could provide a definitive answer but we can’t!

You need to have a U.S. personal checking account. We recommend linking your primary personal checking account to Grain. Ideally, this is an account where you receive your direct deposits or income and pay your expenses. This will allow Grain to provide the most accurate and individualized credit offer. Please note, that we only provide personal credit at this time and do not accept business checking accounts.

You were asked to place a security deposit because Grain generated a secured credit offer for you. Grain analyzes your cash flow to provide a credit offer and some people are required to place a security deposit. Over time and with consecutive on-time payments you may become eligible for a credit line increase without having to put down any additional security deposits.

Learn more about security deposits here.

No, you cannot have more than one account with Grain. We allow one account per person on our platform.

If you are having trouble linking PNC checking accounts that is because Plaid, our third-party bank connectivity partner, has known integration issues with them. There are other banks that may also have the same issue.

If you are having trouble finding your bank as a choice on the app, it is because that financial institution and Plaid do not integrate.

If your bank was linked and you are experiencing connectivity issues, please contact us here so we can investigate the issue.

There is a known issue with T-mobile that prevents you from being able to receive a verification code from your bank. If you are experiencing this issue and do not have T-Mobile as your phone carrier, then you may be experiencing a bank connectivity issue.

In either case, please contact us here.

If you can’t find your bank as an option to select during the application process, your bank is not supported by Plaid, our third-party bank connectivity partner. If you have another checking account, you can try linking it.

Within 30 days from when you started your application (according to our policies, procedures, and applicable law) your documents will be deleted from our system. You could apply again but because the decision to not onboard was not a credit decision, you will receive the same results.

If your application is denied, your documents will be deleted from our system within 30 days from when you started the application as according to our policies and procedures and applicable law.

Your account is kept private and secure. We use bank level 256 bit encryption to securely store your name, address, mobile number, date of birth, SSN, linked account number, linked account balance, and Grain transactions.

Your SSN is used to verify your identity when you sign up for Grain and is needed to report accurately to the credit bureaus.

Yes! All customers are automatically enrolled in Auto-Pay. Our Auto-Pay works a little different than most! We analyze your cash flow and trigger your Minimum Payment at the best time for you any time during your billing cycle, before your due date. It is designed to kick in only if the available balance in your account is more than the amount to be deducted.

Due to ACH Processing, it takes up to 4 business days to clear so make sure you have enough funds in your linked account to cover the Minimum Payment until the Auto-Payment clears on the Grain side.

You can make a manual or custom payment from the Credit Tab of the app any time you’d like.

If you have Auto-Pay enabled, you don’t need to worry about paying your Minimum Payment. Otherwise, like a credit card, you will have a Minimum Payment due every month. You can pay it by going to the Credit Tab of the app. Your monthly statement will reflect a Minimum Payment and Due Date.

Yes. If you make a payment before your Minimum Payment is due, and you’re enrolled in Auto-Pay, Auto-Pay will not trigger.

You can find your billing cycle start and end dates on the Home screen of the app and on your monthly billing statement, which you’ll receive via email.

If your payment was returned, that typically means that at the time the payment was made, your linked account had sufficient funds but that during ACH processing your linked account did not have sufficient funds to cover the amount and the payment was returned. Due to the nature of the ACH network, banks have up to 4 business days to recall a payment for insufficient funds even after they have initially made the payment.

Yes, you will incur a late fee if your payment is late. Late fees are 5% of the Minimum Payment due or $5, whichever is less. Please see your Credit Agreement for details.

We don’t currently support making a payment via credit card on the app. All payments are made on the app and processed through the ACH network. If you are experiencing bank connection issues and cannot make a payment via the app, please contact us here.

Similar to a credit card you will have a Minimum Payment due on your outstanding balance. Your first payment is due about 21 days after the statement generation date. Once your billing cycle ends, you will receive your Monthly Statement displaying your Minimum Payment Due and Payment Due Date (the amount due and due date will also be visible in-app).

Once you request a credit withdrawal, it can take a few seconds or up to 1 business day to clear in your linked account depending on the transfer option you choose. Some banks don’t support instant transfer.

The Minimum Payment is the greater of $20 or 5% of your previous balance plus interest and any amount past due. If your balance is less than $20, the minimum due will equal the balance on the account.

You can cancel your payment or security deposit by tapping the item in the Recent Activity list on the Home tab and press the 'Cancel' button at the bottom of the detail page. Payments and security deposits can be cancelled at any point until 5 pm ET/2 pm PT on the same day the payment or security deposit was initiated.

On the Credit tab, tap the big blue 'Withdraw Credit' button and enter the amount that you would like to withdraw and then tap ‘Withdraw’.

Payments take 4 business days to clear and are considered on time if they clear by or on your payment due date.

After a grace period of 21 days, interest accrues daily at 15% APR (Annual Percentage Rate) with Auto-Pay on, and 17.99% APR with Auto-Pay off.

You can’t use your credit if you have withdrawn your security deposit. To use your credit line after you’ve withdrawn your security deposit, you must pay your security deposit.

Auto-Pay is designed to kick in only if the available balance in your account is more than the amount to be deducted. Banks seem to pick and choose which transactions they label as the "cause" of the overdraft but they aren't always accurate and ACH transfers like Auto-Pay are easy targets because they don't process immediately.

Challenge the bank by asking them:
“What the account balance when the payment was initiated?”

If the bank answers 'you had sufficient funds when the payment was initiated', then ask them:
“Why was this transaction labeled as the cause of the overdraft if there were sufficient funds available?”

Your credit score is updated in-app on a monthly basis.

You can find your credit score on the Profile tab of the app.

Oftentimes, credit bureaus determine your credit score based on different information, resulting in different scores. Sometimes the information they take into account to calculate your score may be stale or inaccurate.

We report to Experian, TransUnion, and Equifax every month. We report your credit line, current balance, account status, and payment history as it was on the day of your most recent statement close date.

We start reporting your Grain account after your first billing cycle.

To see your credit report display positive payment history, make a payment by your due date.

To see your credit report display low credit utilization, make sure your account is in good standing on the last day of your billing cycle.

You can see your billing cycle on the Home tab of the Grain app next to Current Cycle.

Yes you can! Around 6 months from when you sign up for Grain, the system can re-evaluate your credit offer. Several factors can qualify you for an increase including on-time consecutive payments with Grain, low credit utilization with Grain, as well as ensuring your linked checking account is in good health by avoiding overdrafts and displaying income.

Tap “Forgot Password” button on the Login screen to reset your password.

You can see your account balance on the top of the Home tab of the app.

There is no need to pause your account because Grain works like a credit card. If you don’t want to use your credit for a certain period of time, you don’t have to.

To change the account you have linked to Grain, contact us here. Please include why you would like to link to another checking account. As a reminder, Grain generates your credit offer on the cash flow in the account you link so when you link to another checking account, you could generate a new credit offer.

Security deposits take up to 4 business days to clear. Once the deposit leaves your linked checking account, it is in flight within the ACH Network before it is received by Grain. Once it clears, you’ll be able to withdraw credit from the app.

The reason your linked account balance can sometimes not display correctly is because notifications from some banks to us aren’t immediate. This causes a lag between the balance displayed in-app and what you know is in your checking account. If the lag prevents you from taking an action (i.e. making a payment or placing a security deposit), please contact us here so we can refresh your balance.

There are a few reasons why your account may be frozen. This is usually because our payment processor is not allowing your checking account on their platform because of some previous activity, not associated with Grain, that occurred on another app or merchant that also uses the same payment processor for ACH transfers. So we can quickly troubleshoot, please contact us here.

You don’t need to do anything! The app is linked to the routing and account number associated with your checking account, not the number listed on your debit card. If you get a new card, the connection to Grain is unaffected.

If you happen to change checking accounts with the same bank or change to a different bank, then you would need to take action by asking us to reset your account so you can link to another checking account.

Once you pay your account in full and if you're a secured customer, withdrawn your security deposit, you can close your account by going to the Profile Tab, then tap 'Account', then tap 'Close Account.'

You will not be charged a fee if you close your application or account but you cannot close your application or account unless you have a zero balance and have withdrawn your security deposit (if you are a secured customer).

Just like any credit account, when you close it or misuse it, you could see a negative impact on your credit score.

We're sorry to see you go! You can close your application by contacting us here.