You will need the following to begin your credit-building journey with Grow Credit:

  • A bank account where you deposit your income

  • A valid email address

  • A valid phone number

  • A social security number (SSN)

  • You must be a permanent resident of the United States.

  • You must be at least 18 years of age.

You can join Grow with no credit history or limited credit. We do not take credit score into account when considering your application. We underwrite loans using a proprietary machine learning model that takes the last 60-90 days of your banking activity into account. When you register for Grow and link your bank account via Plaid, Grow analyzes your accounts to determine which memberships you are eligible for.

For those who do not yet meet the criteria for a free Build plan, we offer an alternative Build Secured plan, which can be opened with a $17 deposit instead. Additionally, Build Secured customers must have an active bank account that is at least 30 days old with a balance of at least $1 at signup. The $17 deposit will be refunded after 12 consecutive on-time repayments.

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