10 Best Apps Like Grain Credit & Similar Apps (2024)

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Many iOS and Android users are turning to apps like Grain Credit to get a credit card without going through a credit check. As a result, your chances of finding what you’re looking for an increase. However, you must exercise caution when using these programs and refrain from doing anything pointless.

If you’re looking for an alternative to Grain Credit, you’ll find a list of apps below. There are many options available to you. Before deciding on a single platform, it’s a good idea to look at all the features and benefits it offers.

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Best Apps Like Grain Credit for Android and iOS

Is this the first time you’ve heard of Grain Credit? As far as credit cards go, this app presents an option. This is an option to consider if you cannot obtain a regular credit card because of concerns such as a low credit score or other factors.

Based on your income, the system can tell you how much you can spend. It’s important to know that there are other credit card alternatives, as Gain Credit isn’t the only one. Find out what options are available to you in the following list!

1. Chime

Grain Credit is only one of numerous apps that offer a credit card replacement. According to users, the chime is one of the top platforms and should be on your shortlist. You can use a credit card without having an actual card in the first place, thanks to this app.

To use the Chime Spending Account, you must first sign up for an account. A checking account with a credit-building feature is what you’re looking for. It will be a cap on the amount of money you can borrow. The money can be transferred to your account once it has been set up.

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The automatic payment feature is also enabled when you have an account. Interest rates and hidden fees are not a part of the Chime service. This is why you need to sign up for an account here. Your credit score will rise if you make on-time payments.

Download for Android and iOS

2. Tellus

This program offers financial assistance and helps users build a financial portfolio. You can use Tellus, a credit-building app, in addition to Grain Credit. This platform is free to use and has a tonne of great features.

Thus, Tellus can help you receive the money you need and build investments. Because Tellus pays up to 3% APY, you can generate money by incorporating it. For property management, many people use this site to raise money.

Additionally, if you own a property and rent it out to others, this app is the perfect option. To see if Tellus is right for you, you can download the app and give it a spin.

Download for Android and iOS

3. NerdWallet

Are you looking for a trustworthy digital credit card? It’s a financial tracking tool that helps you make the most of your money. On a single screen, you may see all of your financial information. To learn more about NerdWallet click here.

You can learn a lot about your spending habits by using this program. You’ll see how much money you still have left over from your budget. After that, you’ll be able to determine which parts of the project you can go without and how best to allocate your cash moving forward.

In addition, NerdWallet is a great app for checking your credit score. The app will tell you immediately if something changes. It’s safe to say that this budget tracking tool is as helpful as it sounds.

Download for Android and iOS

4. Brigit

Brigit’s name is familiar to those who have used internet banking apps. Many businesses and employees use this app for cash loans because it offers up to USD250 without an overdraft charge.

Brigit, one of the greatest free credit line applications for iOS and Android, does not perform a credit check. Cash advances don’t affect your credit, so they’re an option. You won’t have to worry about accruing interest if you pay your bill on time.

Because it’s free, Brigit can be yours for nothing. A paid membership on this platform, including features like flexible repayment, fast transfer, and a financial counselor, is available for USD9.99 per month.

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Credit scores can be improved by up to 60 points for those who use this site and have a strong payment history. For those who think they can deal with Brigit’s terms and conditions, head over there now.

Download for Android and iOS

5. Earnin

If you’ve never heard of Earnin, it’s impossible. This is one of the most popular apps for getting a credit line instantly. In addition, many users use this program to obtain short-term loans. In a nutshell, Earnin is a loan software that gives you money without checking your credit history or your background.

Connecting the app to your bank account is the next step after downloading and installing it. Your spending capacity will be better assessed as a result. Your pay period will also be taken into account by Earnin’s calculations.

Earnin, like Grain Credit, has to know whether or not you’re at work to function correctly. As a result, the GPS account will always keep tabs on your location. When your paycheck arrives, you’ll set up an automatic payment. This must be done to release the monies from this app’s credit.

Leaving a gratuity is entirely up to you; Earnin is a free app. Earnin, on the other hand, is not a way to gain credit.

Download for Android and iOS

6. Unifimoney

Smartphone line of credit apps is now available on the Google Play Store and the Apple App Store. Consider Unifimoney, too, when discussing digital credit cards like Grain Digital. You may have heard of Earnin or Chime, but this platform is less widely known.

You must also link your bank account when you sign up for a Unifimoney account. Additionally, you can use this platform to invest in cryptocurrencies and pre-existing metals, in addition to having access to a credit line for this purpose.

It’s more like an investment app than a credit card and doesn’t even check your credit score at the beginning. However, you may also use this program to earn money on autopilot.

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This free credit substitute app may be available in Google Play and Apple App Stores. Unifimoney, as the name suggests, is a platform where all your earnings are consolidated.

Download for iOS

7. Stash

Grain, an Android app, has a large user base. Of course, there are other ways to obtain credit without a credit check. Stash is a platform worth taking into account.

Android and iOS versions of Stash are presently supported. As a result, this platform is open to everyone, not only those looking for a different way to receive credit cards. Stash’s financial counselor is one of its features.

You’ll be able to achieve your financial objectives if you use Stash quickly. Not only can you use credit card services, but you may also organize your spending. This way, you’ll be able to keep track of everything from college finances to investments in one spot.

Stash, on the other hand, is a paid app. To use the service, you must sign up for a monthly subscription starting at just $1.

Download for Android and iOS

8. Acorns

Grain Credit reviews in the Google Play and Apple App Stores show that Acorns is a dependable resource. Remember that this is just one choice among several. In addition, if you’re seeking an alternative, explore Acorns.

This site claims to be both a savings and an investment tool. As a result, you’ll be able to keep track of your investments with Acorns. Many users utilize this program to broaden the scope of their investment portfolio, particularly in retirement savings.

The system will ask you questions when you first sign up for an account. Acorns will take care of the rest once you’ve answered all those questions based on your requirements.

Acorns usually are available for free download and usage on the web. However, if you want access to more advanced capabilities, you can pay a small monthly charge to Acorns.

Download for Android and iOS

9. Current

Are you on the lookout for some reputable Android apps similar to Grain Credit? You should also check out Current and give it a go. This platform, according to users, has several handy features that might help you with your financial needs.

Access to more than 40,000 ATMs worldwide is available to you when you sign up with Current. You can receive your money up to two days faster with Current than a typical bank because of the bank’s direct deposit option.

To make in-store purchases, the platform will offer you a free card. Additionally, you’ll receive enticing freebies and benefits whenever you purchase using the Current app. You only need to download this app and begin shopping with it.

The Current app currently supports apps for both iOS and Android. Because it’s free, you have nothing to lose by downloading and testing out Current.

Download for Android and iOS

10. Personal Capital

Some apps offer income-based credit lines. On the other hand, Personal Capital is an excellent choice if you’re searching for a tool to keep track of your investments and finances and prepare for your future.

As previously noted, this software offers a slew of functionalities that can make managing your money a breeze. You can use this platform to diversify your portfolio similarly to Grain Credit. As a result, Personal Capital is an ideal tool for keeping track of your spending and earning habits.

Install this app and fill out the necessary information. This is followed by a place to begin your financial state and the display of information you desire.

Download for Android and iOS


The Grain Credit app is a breath of new air for many people. While repairing or establishing credit can be time-consuming, the apps on this list make it a little easier. It’s still essential to ensure that your chosen app can provide the service and features that best suit your needs.

That’s all there is to it – you can now choose the top apps like Credit Grain that best suit your needs. However quick and straightforward the process appears, you should use caution when using the platforms. The money you borrow has to be returned on schedule, right?