Grain provides a line of credit to your existing checking account, without checking your credit score or issuing a physical card. • Get pre-approved in minutes - link your primary checking account and get access to credit in minutes. No credit check. • Use credit in seconds - transfer credit to your linked checking account in an instant and use it as cash, from your debit, or any way you’d like. • Credit reporting - every month, we report your account activity to all three credit bureaus. • Fees - 15% APR and 1% finance charge on credit advances. Some applicants may be charged a one-time Sign-up Fee and a Monthly Service Fee. • Smarter auto-pay - monthly minimum payments are made for you at the best time during your billing cycle to avoid late and overdraft fees. • Personalized credit tips - adjust your habits and improve your credit score through actionable recommendations. • Security taken seriously - we protect your data with 256 bit bank-level encryption and we are FDIC insured. * Credit offer dependent on cash flow in linked checking account. Offer may require a security deposit. See your Credit Agreement for further details Grain is headquartered at: 505 14th St Suite 900 Oakland, CA 94612 Grain Help Line: 1 (833) 755-0809 Customer Support: https://trygrain.com/support/ Terms of Service: https://trygrain.com/termsofservice/ Privacy Policy: https://trygrain.com/privacypolicy/