9 Apps Like Grain Credit [Awesome Alternatives]

Your credit score can be a very stressful thing to think about.

Building credit was a very difficult thing to do in the past as it meant having to talk to collections agencies and meeting with credit counselors in order to understand how to improve your credit.

Then, apps like Grain Credit came in on their white horses to save the day! These apps make managing your credit much easier than it has ever been.

There are many apps like Grain Credit out there. In this article, we will explore your options for alternative credit apps to Grain Credit!

What Is Grain Credit?

Before we dive into some alternatives, let’s take a look at what Grain Credit actually is.

Gain Credit is an alternative to taking out a credit card from your bank. All you have to do is to attach Grain Credit to your existing bank account, and you can start using it as a credit card.

Grain will work out how much you can spend based on how much your income is and how many expenses you already have.

With this app, you will get a 15% APR on any charges that you make to your Grain Credit card. It is there to help to manage your expenses.

It helps you to build up your credit if you don’t find it easy to qualify for a credit card in other places.

Apps like Grain Credit allow you to get a line of credit. There are many other apps that are similar to Grain Credit. Let’s take a look at some alternatives!

1.Chime

Chime is a great alternative to Grain Credit. Chime is another app that offers you a replacement credit card. Chime has great user reviews and it is one option that should be on your shortlist.

You have the option to use a credit card without having the physical card.

In order to use this app, you will first need to sign up and make yourself an account. The best account to take out is a checking account, as it has a credit building feature built in.

With this app, there will be a cap on the amount of money that you are able to borrow. Once you have set up the account, the money can then be transferred into your account.

If you make your payments back to Chime on time, then your credit score will rise. There are no interest rates or hidden fees in the Chime service, so you won’t have to worry about this.

2.NerdWallet

NerdWallet is a very trustworthy credit card. It is a digital credit card, making it very easy to sign up and use. This site is a financial tracking tool that helps you to manage your money. It is a very easy to use app which lets you see all of the financial information on one page.

Through this app, you will not only be able to use the credit card to build your credit, you will also be able to track your spending habits. You can set a budget, see how much money you have left over from it, and see where you spent your money.

This will help you to decide the best ways to spend your money in the future.

This app will tell you if anything changes in regard to your credit score. It is a very reliable way to set a tracking tool on your budget.

3.Personal Capital

Personal Capital gives you a detailed and useful overview of your financial portfolio. This app allows your financial accounts to be managed all in one place. It is a great solution to having to switch between all the different apps, instead, it can all be managed under one interface.

This app will allow you to track your credit score, loans, investments and all of your bank account balances. It will display your net worth, too. This is based on all of your different financial information.

You can download this app for free on the Apple App Store and on Google Play.

4.Unifimoney

Unifimoney is similar to Grain, although it doesn’t have all of the same features. Similar to Grain, it helps to add your checking account alongside your credit line.

Unifimoney gives you several options. When you sign up to this app, you will be given a checking account and a credit card. This is similar to Grain.

You will be able to use the smart app to help you to gain short-term passive income, as well as long-term growth.

It is a great app for new investors as it takes away the complications and unifies all of your financial information. It also simplifies the information, making it accessible.

This app is free to download. You will only be able to download and use this app if you have apple products as it is only available on the App store.

5.Brigit

Brigit is an app that is used by many different businesses and employees. It offers cash loans of up to $250. It doesn’t have a charge for this loan and it is.

Brigit is very easy to use and you don’t have to go through a credit check in order to get the free credit line.

These cash advances don’t affect your credit, so they are an option. You don’t have to worry about accruing interest as long as you pay your bill on time.

Brigit is a free app, however, you can get a paid membership on this platform. This includes features like a financial counselor and flexible repayment.

This is available for $9.99 per month and you should consider this option because it gives you some great features that might not be available to others.

This app has the ability to improve your credit score by lots! It can be improved by up to 60 points for those who use this app.

6.Stash

This app is a lot smaller than Grain, but it is still very effective. There are other ways to obtain credit without taking part in a credit check. Stash is a great way to do this.

You can get this app on both Android and iOS. It is a great way to receive a credit card that is easy and effective. This app also has a financial counselor which is there to use. This is a paid application, however, you can get subscriptions that are very low in price.

They can start at as low as $1 per month.

You will be able to improve your credit if you use Stash effectively. Alongside the credit card service, you can also organize your spending which will help you to keep track of all of your financial information in one place.

7.Acorns

Acorns is a very useful resource that you can download on both Apple App Stores and Google Play. This is one option among lots of different options that will allow you to manage your finances.

This site is both an investment tool as well as a savings tool. It will help you to track your investments and make sure that you can use the program to help with retirement savings as well as your investment portfolio.

When you create an account, the system will ask you lots of questions. The information you give will help Acorn to tailor the app to your needs.

Acorn offers a free service, however, there is also an option for having better or more advanced resources for a small monthly fee.

8.The Petal Card

The Petal Card is a Visa card for those who are looking to create a credit history. To take out this card, you won’t need to put any money down.

For those who have already established credit, you can opt for the first version which has both $300 and $5000 dollar limits. This card has no annual fees.

For those who are looking to build up their credit, the second version has $300 and $10,000 limits. This also has no fees.

9.Point Card

The Point Card is another app that is similar to Grain Credit. It is a secured card that allows users to use it as they would use any credit card.

This card is slightly different because it allows you to build up points based on your spending habits. This means that the card will pay you for the products that you are buying.

This is a great option for those who want to build credit because it means that you can show that you are paying them back. It doesn’t provide an unsecured credit line, though.

Final Thoughts

So, now you have lots of alternatives to Grain Credit. You can choose any of these apps in order to gain similar things to what you would gain at Grain Credit.

Certain apps may be better suited to your needs than others, so have a look at these reviews to figure out which one is best for you.

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