Raise your credit score using your debit card.

Sign up now to join the waitlist.

*Signing up will not impact your credit score

Your credit, reimagined

Join the credit revolution

The credit system is broken. Everyone should have a fair chance at accessing credit, and live in a world where creditors actually care about the financial well-being of customers.
Mutual priorities

Your credit health comes first

We actually care what happens with your credit. Get incentives for good credit management, not encouragement to spend more money in pursuit of points.

Effortlessly build credit, without the pitfalls

We use automation to protect you from using credit you can’t afford, while increasing your score at the same time.

You're more than your credit score

We analyze your cash flow, not your credit score.

Seriously, we don’t.

No new cards

Better benefits,  no extra plastic

Grain syncs to your debit card, analyzes your cash flow, provides an amount of credit you can afford, and automates its management. Building your credit along the way.

Use your existing debit card

Sign in with any of the 1000+ banks we support.

Start using your credit in minutes.

Credit directly into your account

We deposit cash advances into your debit account.

Your credit limit automatically increases with good credit management.

Build credit on autopilot

We help you avoid overdraft fees.

Never be late with optional auto-repayment.

Recieve personalized credit building suggestions.

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Grain's Rate



*Refer to terms of service for more details

Low Rates

With auto-repayment enabled, you pay the lowest-in-market rates.

256 Bit Encryption

Your data is protected with bank-level security.


Your Privacy

We never share your data with third parties.

Gain control of your credit today