10 Best Apps Like Grain – Get and Build Credit

People use the grain app to access cash quickly and it also helps to increase your credit score. The grain app is an excellent tool to get funds from its unique features. There are many promising features of the Grain app but some users said their credit scores decreased after using the grain app. So, people are finding alternatives to grain apps.

This guide contains the best apps like grain that you can use as a digital credit card. They give you a credit limit as per your income and cash flow. You get cash on your linked debit card which you can use for shopping.

What is Grain App?

grain app

Grain app transforms your debit card into a credit card. Without any credit score check, the Grain app let you create an account on its platform. Grain is basically a virtual credit card so you don’t need to carry any extra card with you.

The credit limit from Grain will be deposited directly into your linked account. There is no long boring process on grain to get approval. Enter your details and within a few minutes, you will get approval.

Instead of checking your credit score, Grain checks your bank account history and average balance.

You may use as much or as little credit limit as you want. Grain takes 1% finance charge on every withdrawal amount. Interest will be charged only on the use credit amount, not on the whole credit limit. Grain is a secured credit card, so it asks you for a security deposit when you open an account on Grain.

10 Best Apps Like Grain


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Earlier Earnin was known as ActiveHours. It is one of the popular apps like grain. It fulfills your quick cash requirements if you don’t have money in the account.

When you create an account on Earnin, you need to provide detail of your bank account. Also, it asks for proof of your income. To create an account, download the app and link to your bank account. Earnin is a trusted grain alternative so don’t worry, your bank account detail is secured.

Earnin offers up to $100 per day of advance cash in the account. If you have good transaction history then sometimes Earnin may offer $500 in the advance. Not everyone gets this offer, so if you get it, it means your account has a good credit score.

Earnin doesn’t charge anything for its service. If you are happy with its services, you can use the tip option to fund the app.

Earnin sends alerts to users when the account minimum balance goes below a certain threshold. So, this saves you from any overdraft fees. When you get an alert, deposit money into the account.

Download – Earnin


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Dave is a good alternative to the Grain app. Dave has a large user base due to its quick and easy services. Without any delay, Dave instantly approves decisions.

Dave helps to improve their credit score. For this, Dave has a partnership with LevelCredit. Your account statement is sent to all major credit bureaus. If you pay all payments at right time, your credit score increases.

You can spend $100 a day with the Dave app and Dave doesn’t charge anything for it.

Dave helps to improve your creditworthiness. So, if you need more cash in the feature, you can apply for it.

Dave has a membership plan which costs $1 per month. This membership plan is very low in comparison to other apps like grain. If you have a low credit score, still you can apply on the Dave app. Dave is a great option to consider when you find grain similar apps.

Download – Dave


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Chime has a different functioning from other apps like Grain. Chime does secure and safe transactions.

Chime works as a digital bank. It helps to set automatic saving features for you. Chime aids you from going into an overdraft. Chime gives you access to payday advances.

Other apps, give you loans to pay for your payments. But Chime works differently. On chime, you get access to money 2 days earlier before pay date. Chime doesn’t charge anything for it.

Chime has a credit builder feature. It helps you to maintain your credit score in the good condition. With a good credit score, you get access to huge loans.

When you are out of money and you need it, Chime helps you. Chime doesn’t charge high-interest rates like traditional banks. So, it becomes handy to pay loans on the chime. Chime gives you $100 at a 0% APM.

Chime allows setting of recurring transaction features. So, you can save and manage your credit score. Chime round-up transactions to the nearest dollar to save your money.

Download – Chime


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Current is similar to grain. It provides a multi-purpose similar financial tool. Current gives you access to emergency funds and improves your credit.

The best part about the current app is there are no interest fees. By using the current app, you can withdraw money from ATMs.

Current has started as a simple financial app but with its good service, it has remained competitive over years. It adds new features to the app regularly.

Current adds amount into your account faster than other apps like grain. When you do transactions on the current app, it gives you points and rewards, which you can redeem.

You get tips on how to play your monthly and save money. On the current app, you can track your score.

Opening an account on the current is easy. Download the app to the phone and connect it with your bank account. After successful completion of an account, within a few days, you will get your current credit card.

Download – Current


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MoenyLion is a trusted name for cash advance apps like grain. MoneyLine offers you to use cash when you need it.

Download MoneyLion app and register with a checking account. After creating an account, you get a limit of $250 to spend cash for MoneyLine app. You can access this cash before you pay next payday.

People apply for loans but most apps don’t transfer loans into the account same day. But MoenyLion is different, it transfers the loan into your account the same day. It becomes very helpful when you are in the need of cash.

However, to get the full $250 in your account, your salary should be a minimum of $2500. MoenyLion only transfers 10% of your next paycheck.

On the MoneyLion, with a payday loan, you can also apply for consecutive loans. The consecutive loan helps to increase your credit score.

If you use its payday short-term loan service, you don’t need to pay any interest or charge. You just need to pay what you borrow. It charges $1 for monthly fees for huge loans. If you need a financial coach, you can get it from MoneyLion.

Download – MoneyLion

Check also – Apps Similar To Quadpay, Apps Like Ditty


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Brigit provides emergency funds whenever you need them. Brigit is a reputed app that gives you peace of mind by sending you alerts about upcoming payments and overdrafts.

In most cases, once money is approved, you get instant access to use it. Most of time, this process takes less than a few minutes to get approval.

Connect your bank account to the Brigit app to get a loan from it. Brigit checks your transaction history and gives you loans of up to $250 without any interest. It has various financial features to use.

Brigit ensures the efficiency of cash flow in your account. It speeds up the process and avoids any overdraft. Brigit is an easy-to-use the app and its services are free. Brigit helps to increase your credit score and manage your finances.

Brigit smart manager automatically do the monthly recurring payment. You can set which loan need to pay first to avoid any overdraft. Pay all amounts before the due date and in return get a high credit score.



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The branch app is similar to Grain which allows you to keep track of your investment. Branch has changed the game of financial apps. The branch is one of the most popular financial apps at the current time.

The branch app is available for both Android and iOS devices.

The branch app helps out you to save money. It has some awesome features. You can set your saving goals in the app. Use the branch app to find out new opportunities to save money. Use its loan feature to get low-interest rate deals.

Without checking your credit score, the branch gives you a loan. Brans use 256-bit AES encryption to protect data from hackers. Use a PIN to keep the account safe from unauthorized access.

On the branch app, you get a $150 per day spending limit. Branch has some interesting features that you won’t find in other apps like grain. It has a conversation section where you can join chat with other people to know about tips for saving.


Check also – Best Alternatives To Whisper App


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Even is one of the best apps like grain. Its advanced loan feature makes it distinguishes from its competitor. You get 50% fund in the advance to use.

For people who are not good to plan their budgets Even is helpful for them. It gives you a comprehensive financial solution.

You get regular alerts related to payments and overdrafts. It assists you to use allocated funds properly. One thing which we don’t like about the Even app is that it has $8 monthly fees. So, you need to pay, if you want to use the Even app.

Once you create an account on the Even app, it binds employers and employees and gives you funds according to your salary history.



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If you search for apps like grain is still on, check the stash app. At the end of the month, people need little extra money for their shopping or spending, stash is here to help you.

Stash gives you money but it’s not free. It charges $1 per month to use its services.

You get an advance amount in your stash account but you must maintain positive activity on your account. Stash is available for everyone. It is a widely use app to make an advance payments. People who are looking for alternatives for the grain apps should look stash app.

With stash, you can maintain your monthly budget easily. It allows you to set a budget for different tasks.



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Vola is a financial management app that offers cash in advance feature. Vola has more than one million users and it has a high positive rating on the google play store and apple store.

With the Vola app, you get $300 in the advance. Creating an account on Vola is not a big task and takes only a couple of minutes.

Vola works as a supplement for your bank. It detects all coming payment and if you are going to overdraft due to fewer funds, it sends money to the account and prevents overdraft. Vola uses a smart method to save you from over drafting and increase your credit score.

Vola makes it possible to available funds in a short time period in your account. So, if things are a bit tight at the end of the month, still you can enjoy tension free life with the Vola app.


Frequently Asked Questions About Apps Like Grain

Does Grain Give Credit Limit Increase?

Yes, grain gives credit increase but for this, your all previous payments should be done on the time. They will track your record. You can ask grain to increase the credit limit for your account. If your account has a good track and you have never over-drafted any payment then your credit limit will be increased without any security deposits.

Does Grain Build Credit?

You can use grain as a credit builder. Grain reports your card transactions to credit bureaus. So, if you make all payments on time, your credit score will be increased.

Is Grain a Hard Enquiry?

Grain won’t see your credit score when they do an inquiry about your account. But they will see your bank transactions and income source to approve the account. It is like a hard inquiry.

Does Grain Ruin Your Credit?

Yes, definitely Grain will ruin your credit if you won’t pay the payment on time. Grain will send late payment reports to credit bureaus and they will decrease your credit score.


Taking a loan is no more a big task nowadays. There are many apps like grain that offers loan in a legitimate way. Now you can take a loan from your mobile. Just install any app from the list and create an account. Without fear of terrible interest rates, you will get a loan. No need to wait in a long queue.

Most apps in this list give loans even if you have a bad credit score because they check band transaction history and income. With this being said, these alternatives to grain apps are safe and interest-free to use.

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