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In Personal Finance Last updated: April 27, 2023
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You’re in the right place if you’re trying to raise your credit score. We have researched and curated a list of the top-rated credit-building apps available for Android and iOS smartphones.

When deciding whether or not to grant you a loan, lenders will take a look at your credit score. The loan terms they are ready to offer depends on your credit score. Your credit score may significantly impact your life, despite being only a three-digit number.

Thankfully, you can rely on credit-building apps to manage and increase your credit score. To help you decide which one is the best and safest choice, we’ll talk about their features and potential for assisting you in establishing a solid credit rating.

What is a Credit Building App?


Now more than ever, you can improve your credit score by applying for credit cards and using apps and services that help develop credit. Credit-building apps are designed to help people build their credit and obtain access to better financial services.

Typically, these applications give consumers access to credit monitoring services, which notify them if their credit reports change. Even individualized credit counseling and loan offers are available through some apps.

These apps offer a user-friendly platform to monitor their credit history, comprehend their credit score, and make wise financial based decisions. The features of a credit-building app vary by provider, but most offer the following options:

  • Credit score tracking
  • Credit report monitoring
  • Budgeting tools
  • Credit Education
  • Loan offers
  • Credit Advice
  • Financial literacy resources 

The convenience of tracking one’s credit score and activity from a centralized location makes credit-building applications one of the most well-liked choices.

Users can improve their credit and establish a responsible borrowing history using a credit development app, increasing future income opportunities.

How Credit Building Apps Help Build A Good Credit Score 


Credit-building apps can assist you in establishing and maintaining a good credit score by offering personalized advice and guidance on how to do so.

Monitor Your Credit Score

By giving you personalized updates on your credit score and credit history, credit-building applications facilitate tracking your credit score. By doing so, you can keep track of changes in your score and see any potential problems.

Pay Bills

The credit apps promptly remind you to make on-time payments on your bills to prevent late fines. By doing this, you’ll be able to keep up a high credit score and avoid any adverse effects.

Establish a Budget

They assist you in setting up a spending plan and keeping track of it. This will enable you to manage your money well and make sure you make your debt payments on schedule.

Watch Your Credit Card Activity

They keep an eye on your credit card usage on your behalf and quickly alert you about any possible fraudulent activity if they find any. You may safeguard yourself in this way from credit card fraud and identity theft.

Now that you know how crucial it is to opt for a credit-build app to build a wholesome credit score, let’s check out the most popular apps to choose from and reach your credit goals.


SeedFi is a credit-building app that enables users to build credit and obtain low-interest loans. Users can use the app to create a payment plan, track their payments, and get feedback on their credit scores. It also assists users in monitoring their progress and taking proactive steps to improve their credit scores. 


Additionally, SeedFi offers customers access to low-interest loans, educational materials, and information that will assist them in grasping the value of establishing good credit. iOS smartphone owners can download the app.

  • It works on:
  • iOS

Cheese Credit Builder

Do you want to stay on top of your credit? With the Cheese Credit Builder app, you quickly build up your credit effectively and efficiently. Pay monthly to a deposit account, and Cheese will report your on-time payments to all 3 credit bureaus: Equifax, TransUnion, and Experian. Then, get your money back at the end of the term. You can see your credit score change while saving money.


This app focuses on multiple crucial factors that impact your credit score. It helps you create up to 24 months of payment history, add a long-lasting tradeline to extend your credit history, and diversify your credit portfolio. In addition, it does not need any credit checks or admin/membership fees. This app is available on both Android and iOS devices, so you can keep track of your credit on the go. Simply sign up here for instant approval.

  • It works on:
  • iOS
  • Android


Experian is an incredible credit-building software due to its straightforward and adaptable offerings. Despite being a free app, it provides customers with the resources and knowledge they need to establish a solid credit foundation and keep track of their credit history. This app can be downloaded from Google Play Store and App Store.


Some notable offerings by Experian are: 

Credit comparison: The app allows users to compare credit offers from various lenders to find the best deal for them.

Credit history: Users can view their credit history, view credit inquiries, and dispute inaccuracies using the app.

  • It works on:
  • iOS
  • Android


By taking out a loan and placing the funds into a CD (Certificate of Deposit) on your behalf, Self, a well-known credit-building app, can assist you in improving your credit score.

After that, you’ll schedule your monthly payments, and Self Inc. will send an annual report to the three major credit bureaus detailing your payment history.


It’s even better because it can raise your credit score significantly without requiring you to do a credit check or damaging your credit score with a hard inquiry. When you have finished repaying Self’s credit building loan, your score will have entirely changed, saving you money in the long term.

You can download the app on your Android and iOS devices and examine your monthly credit reports monthly on the go.

  • It works on:
  • iOS
  • Android


Kikoff Credit Building App is an innovative app designed to help users build and maintain a strong credit score. It is equipped with a wide range of features to help users improve their credit standing, from monitoring their credit score and utilization to applying for credit cards and loans. The app is available on iOS and Android.


You can open a Kikoff credit account right away. The limitation is that the credit line can only be used at the Kikoff store.

You must make on-time payments after using the credit line to raise your credit score. Even though you may only use the credit line at the Kikoff store, there are no fees, administrative, annual, late, or interest costs. 

  • It works on:
  • iOS
  • Android

Grow Credit

Grow Credit offers accessible and affordable memberships and reports your bill payments to all three credit agencies. It feature makes it stand out amongst the different apps on the list.

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As a result, it ranks as one of the finest apps available on iOS and Android smartphones when trying to establish fast credit and remaining on a tight budget. Your spending limit might initially be on the low end.

Still, the Growcredit app will periodically raise the balance and moves you up to a larger spending limit after making a set number of on-time payments.

  • It works on:
  • iOS
  • Android


MoneyLion is an excellent choice whether you need to construct a credit history for the first time or attempt to recover your credit after multiple failures.

This cutting-edge tool offers some of the best features available, including Moneylion’s exclusive credit builder, enabling you to establish credit immediately.

YouTube video

Credit Builder Plus provides immediate access to funds, unlike other programs that force you to wait until your loan is fully paid off. If you’re ready to take control of your financial future, utilize this credit-building app immediately on your iOS or Android device.

  • It works on:
  • iOS
  • Android


Brigit is one of the unique apps that deserve mention on the list as it enables you to obtain an installment credit-builder loan with 0% interest.

YouTube video

The low cost, great flexibility, and broad access to financial tools offered by the app make it a unique service, especially for tight-budget users having bad credit or no credit score. Both iOS and Android users can download this app.

By signing up for their free plan, you can use some of Brigit’s financial and budgeting tools even if you have no money.

  • It works on:
  • iOS
  • Android


With a secured credit card from Sable, you can build credit conveniently. Depending on how you use the card, you could be upgraded to an unsecured credit card in as little as four months.

YouTube video

Sable can prove to be the best app for you if you possess money and are capable of depositing and making payments on time. The app is compatible with both Android and iOS smartphones. 

The app charges no monthly fees, so it will also be easy on your pockets and, at the same time, allow you to begin building credit.

  • It works on:
  • iOS
  • Android

Credit Sesame

Credit Sesame is a free credit-building app that helps users monitor their credit scores and take steps toward improving their credit. It provides personalized, actionable advice and helps users take control of their finances and build credit.

YouTube video

The app will record a portion of your monthly debit purchases to the credit bureaus to show a history of on-time payments. You can readily access your credit score from the iOS and Android versions of the app.

  • It works on:
  • iOS
  • Android


Extra created the first debit card that consumers could use to generate and build credit, making it a pioneer in credit-building apps.


A line of credit can be issued promptly without a credit check, and since it’s a digital card rather than a physical one, you can start using it immediately if you need money fast. Extra offers up to 1% reward points when you make everyday purchases like rideshares, coffees, and your phone bills.  

Because Extra is compatible with Android and iOS smartphones, it is easily accessible from anywhere.

  • It works on:
  • iOS
  • Android


Those are the best credit-building apps we came across in our research. The best credit-building software for you may depend on your individual requirements. You have enough money to put money down on a secured card. Alternatively, you can decide that a modest monthly payment aligns with your financial situation.

You might also desire a mechanism to receive credit for purchases you have previously made. Regardless of the scenario you are stuck in, these apps will surely aid you in improving your credit score

  • Taiba Hasan
    A postgraduate in Computer Applications with over three years of experience as a technical writer, she loves to craft content revolving around Windows, Android, and trendy technologies like SaaS and AI. Focused on writing in-depth research… read more
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