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

  1. A bank account where you deposit your income

  2. A valid email address

  3. A valid phone number

  4. A social security number (SSN)

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

  6. You must be at least 18 years of age.

For our free Build plan, we require a minimum income of $1200 per month for at least two months and an account balance of at least $100 at the time of your application. The income requirement for a Grow plan is $3300, and $4000 for an Accelerate plan.

For those who do not yet meet the income criteria for a 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.

You can join Grow with no credit history or limited credit. We do not take credit score into account when considering your application.

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