Leave a Review Grain
LIFE SAVER
Honestly I was very skeptical at first, but after doing a ton of research grain stood out from all the rest. I was in need of some cash to pay rent and was looking for an app that would do a paycheck advance. All of them were horrible! THEN I FOUND GRAIN!! Not only did I not have to do a paycheck advance and deal with all the horrible fees all other apps/ cash lenders were offering, but Grain extended a helping hand and gave me a opportunity to fix/better my credit. I don’t have the best credit nor the length of credit history most company’s require to get a line of credit. Grain checked my bank history and recognized my cash flow into my account and gave me a chance. I was very quickly approved for well over the amount I needed to pay my bills and was able to transfer the funds directly into my checking account. The process of the funds to get to my account took only 4 days (during that time I was freaking out not knowing if it would actually work). I haven’t had any issues and can’t wait to not only establish a well documented relationship with grain, But also to get my credit score back to what I know it could be. I would give this app 10 stars if I could & HIGHLY RECOMMEND this application to anyone who needs anything from a line of credit to get out of a struggling situation or to someone who just needs to be given a chance to build/better their credit score regardless of their credit past or credit life span. THANK YOU GRAIN. =)Show lessmikecin
Developer Response
Thank you so much for joining Grain and for rating and reviewing us. We're so happy Grain was able to help you out, and then some. We're looking forward to a long relationship with you too!Not Enough For Me
I tried this option after reading the reviews. My credit score isvover 600 and I have several bankvaccounts. The account with the most activity doesn't work with the software that Grain uses to verify an account. The account with the least activity the Plaid software works with.
After waiting I was offered the $150 line of credit. The catch is I need to deposit $150 into my checking account. I responded with No Thanks the first time and gave my reason why I would not accept the offer. Signed back in and the offer of $150 was there again. So this time I clicked accept. That is where I saw I would have to deposit $150. I declined again and gave my reason why $150 was unacceptable.
Finally, I tried this option also because I thought the offer was for a digital credit card. Not a line of credit to go to your checking account.Show lessArlene Whiting
Initial deposit stuck
***UPDATE***
Patrick responded to my concern and fixed the pending initial deposit. I was able to withdraw from my balance. This seems like it will be a great program for those who are building or in need of rebuilding credit.
I downloaded and opened an account on July 16. The initial 1.01 has been pending since then. It's been 2 wks. I called customer support the Monday after I started the account. I was told that it takes up to 3-4 days. It's been well over that now. I called customer service again a few days ago. I was told that tech support would contact me. I haven't heard from them. I tried to call myself and after waiting on hold for about 15 minutes, an automated message comes on saying no one is available. I would like to be able to use this service but I can't seem to get any help.Show lessCapricorngyrl18
Fast, easy, excited to build credit
I love this app. My husband and I are trying to buy a house in a year and I’m hopeful this will help us build our credit to where we need it to be. Income has never been an issue for us but credit always gets us denied even if our income is high. I’m so glad this app isn’t like that and bases it off your income. I have a question though and hopefully someone responds because I can’t find the info anywhere. I got approved for a 400 dollar credit line but have to pay a 200 dollar deposit. I don’t mind that at all, just confused on the process. If I put 200 deposit does that mean I’ll only have a 200 dollar credit line to withdrawal to my debit card or does it mean it’s 400 available and the 200 deposit just sits there in your grain account until you make the consecutive on time payments to get it back?Show lessHay_hopson
Denied Secured Card Approved By Grain
I have a 619 middle fico score. I recently applied for a Citibank secured credit card. To my surprise I was denied. I spent the last 3 years paying off debts and now I had no way to build positive reporting history bc I kept getting both inquiries on my report and subsequently denial letters.
This app solves that issue. The approval process is based on your ability to manage your checking account and not your credit history. I was approved for a $1,000 unsecured line of credit!! This will allow me to build positive reporting history without another inquiry on my credit report.
This app is a GAME CHANGER!!
When you apply they ask to connect your bank account and it will give you results instantly! You can accept or deny the offer before they even ask for your social!
The payments report to all 3 credit bureaus so its a huge bonus for anyone building their score or new to credit.
This is a great starter account for anyone new to credit!
This app will also allows you to see your credit score and gives you tips on how to build your score up! I love this app, it came at the right time and a few months from now I should be a home owner!!!!
I’m excited to share this app with everyone I know who is rebuilding!!
RECOMMEND IT TO EVERYONE!Show lessNupeKid
Best thing I ever experienced in my life
I don’t even know where to start on this review. I’ve been trying to work with these folks for the past few weeks, but I wasn’t able to because I live in WA. The company was only working with 5 states at that time and now they’re going nationwide. I got approved in a matter of seconds for actually a real credit account. I highly recommend this for people who trying to work on their credit score because many banks won’t work with you with a 600 or lower unless you apply for the secured credit card. These folks are giving people like me a chance with a real credit card which is going to be your regular daily basis debit card. UNBELIEVABLE! I did have some technical issues when trying to connect my bank info, because I applied with a different email address the first time. I called customer service and it was fixed in less than 5 minutes. It was a black dude on the phone, did an awesome job man. After you get approved for a line a credit, people please make sure you’re responsible of your account and make payments on time. Stuff like this ain’t easy to find. My name is Germain by the way. This company deserves some LIKES, SHARE, THUMBS UP, and GOOD REVIEWS. ❤️❤️❤️Show lessgermaindiop
Developer Response
We are live nationwide now! You should be able to accept your offer. If you have any trouble, just reach out over email and we'll help you out.
