Borrow10 Best Credit Building Apps to Boost Your Score

10 Best Credit Building Apps to Boost Your Score

Start building your credit by using the best credit building apps that help you build credit fast. Some are also free to use to boost your score.

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Having a good credit score is important. It can help you get approved for personal loans, mortgages, credit cards, and other financial products. And it can even help you get better interest rates on those products.

There are a lot of ways to build your credit score. You can make sure you always pay your bills on time, keep your balances low, and avoid opening too many new accounts at once.

But there’s one more way to give your credit score a boost: using credit building apps. These apps can help you track your progress, stay on top of your payments, and even find new opportunities to build your credit.

Would you benefit from a higher credit score? If so, here are the best credit builder apps to use.

Best Credit Boosting Apps to Improve Your Credit Score

There are a number of credit building apps available that can help you improve your credit score. Here are some of the best:

1. Kikoff

kikoff best credit building apps

The Kikoff credit building app will help improve your credit score at the most affordable rate. This credit building product helps people with no credit score and costs $5 a month.

To get started, you’ll have to sign up for an account. You’ll be instantly approved so you can get started that same day. They don’t do a credit check.

Then, you’ll have a $750 line of credit to use in the Kikoff store. This doesn’t expire, so you can continue building your credit on your schedule. Choose from a variety of items from the store, starting at just $10. You’ll make your purchase with the Kikoff Credit Account.

Every on-time payment you make will help you build your credit. All it takes is one click—and they’ll send you reminders to make sure.

Why we choose it

As a Kikoff customer and user, you’ll be entitled to a $750 credit line that can be used whenever needed. With Kikoff, your payment history is reported to the three credit bureaus, which can enhance your credit score. Keep in mind that your credit score will not be affected by signing up, and there are no hidden fees. In addition, Kikoff comes with a mobile app, making it user-friendly to use.

With the monthly membership, you can get access to their online dashboard. Secondly, they offer a credit builder loan, which is more advantageous than a monthly service fee. Even though this is a small loan amount, it is still a good option for building credit scores. The best thing about Kikoff is that it has affordable plans and utilizes credit more efficiently, making it one of the best credit-building apps available.


  • Credit scores won’t be affected by signing up
  • It’s a super easy and inexpensive way to build credit
  • Gives a $750 credit line
  • Available on mobile application
  • Payments can be continued even after your loan has been repaid
  • Utilizes credit more efficiently


  • Must purchase an item through the proprietary store, so you might not get much utility out of the items


Depending on your needs, Kikoff offers 2 products, both products report to the major credit bureaus and are offered as 1-year plans:

  1. Kikoff Credit Account – the standard product for all new Kikoff customers. This account builds monthly payment history and helps reduce your credit utilization. The Credit Account gets reported to Equifax and Experian every month and costs $5/month.
  2. Kikoff Credit Builder Loan – this is an optional add-on for customers that want to build even more credit. This is a 1-year savings plan for $10/month. You’ll be able to add this product after your first payment with the Kikoff Credit Account.

2. Grow Credit

growcredit best credit building apps

The Grow Credit building app allows millions of Americans to build credit by automatically paying for their subscriptions through an interest-free virtual MasterCard.

Why we choose it

The Grow Credit MasterCard is free to use, which can help you improve your credit significantly. You can pay for Netflix, Disney+, Hulu, and more with the card. It is really helpful as you can leverage your recurring expenses, making it possible for you not to spend any extra money. You’re only using the MasterCard to pay for things you’ve already paid for.


  • Build a strong credit history and a diverse credit mix
  • Improve and increase your credit scores between 60 and 90 days after enrolling
  • A great way to build credit on a revolving basis
  • Regular subscriptions can be paid for with a free virtual MasterCard.


  • Only one bank account can be added to withdraw
  • Paid plans require a security deposit
  • Spending limits are very limited on a monthly basis


Four pricing plans are available for Grow Credit, including the Free Build Plan, which allows users to upgrade to a paid account at any time. It’s interesting to note that Grow Credit will report to Equifax, Experian, and TransUnion.

3. Sky Blue Credit

sky blue best credit building apps

Sky Blue Credit has been in the credit repair business for many years. They have earned a reputation for excellent customer service. 

Why we choose it

With their customer-oriented program, you get the lowest reviewed monthly rate, membership pausing, and 90-day money-back guarantee. 

Whether you need complete credit recovery or dispute a few records, they are a great choice. 


  • You will not be charged any additional fees
  • Lowest Monthly Price
  • Offers a 90-day money-back guarantee
  • Customer service of the highest quality


  • Fees for initial work are high
  • Available in some states, but not all


The price structure of Sky Blue Credit is fairly straightforward. For the initial setup and consultation process, customers pay $79 in advance. Additionally, there is a monthly membership fee of $79 per month.

4. Credit Sesame

credit sesame credit building free credit score

Credit Sesame offers free (and paid options) credit building services to people who want to improve their finances by increasing credit scores. 

Why we choose it

Your credit can be managed proactively with various free tools from Credit Sesame. Although Credit Sesame offers premium tools – including access to three credit reports – they are not worth the price. Hence, to keep track of your credit score and get notified when your credit report changes, it is recommended to get at least one app that can help monitor this for you.


  • Many of the most useful features of the service are free of charge.
  • No-cost identity insurance for $50,000.
  • Credit score improvement suggestions are offered.


  • Your VantageScore is all that’s shown, which isn’t commonly used by lenders.
  • It is only available to partners of Credit Sesame to receive product recommendations.
  • There is no point in spending money on premium upgrades for the service.


Many of the most useful features of the service are free of charge.

5. Credit Strong

creditstrong credit builder

With Credit Strong, you can improve your credit through a savings account, but it has some important differences. 

Why we choose it

One of the features of this credit-building app is its ability to offer up to three different pricing plans with varying credit score improvement options. You will need to be aware that there is a $250,000 government guarantee on your money. Furthermore, your credit score won’t be lost when you sign up because forceful inquiry won’t be done on your account. It is also good to know that the maximum loan amount Credit Strong gives is up to $10,000, which is good for building credit.


  • Check your dashboard regularly for updates
  • Utilize their business option to establish business credit
  • Bad credit doesn’t mean you can’t get approved
  • Get updates on your FICO score


  • As long as you don’t pay off the loan, you’re stuck with it
  • Due to credit laws at Wisconsin and Vermont, this service is not available


Getting approved for the Credit Strong pricing plan does not require good credit, and you can cancel at any time.

6. Self 

self credit builder

Self offers a credit building app that helps build positive payment history by opening a Credit Builder Account.  Once you have opened a Credit Builder Account your monthly payments are reported to all three credit bureaus.

Why we choose it

Credit Builder Accounts like the ones offered by Self can be good for establishing credit since they don’t do a hard credit pull on your credit report.  Self also offers customers the ability to track their credit score via mobile app and web.


  • You choose your monthly payment from 4 options
  • Credit check is not required
  • Reports to each of the three credit bureaus


  • One missed payment may adversely affect your credit score
  • Savings are not available until the account is paid off
  • While it may help you build credit, you should also focus on other aspects of your credit


The 4 different plan options vary with monthly payments of between $25 and $150.  An non-refundable administrative fee of $9 is charged at account origination. You will be required to make monthly payments to your account in the amount selected until the plan is complete.  You can see the pricing page here.


Self is helping thousands of people begin their financial journey with a Credit Builder Account. They understand that building a financial foundation is a daunting task for most people, so they're dedicated to building a product that will help their customers move two steps in the right direction.


*Sample products: A loan with a $25 month payment, 24 month term with a $9 admin fee at a 15.92% Annual Percentage Rate with a cost to buildof $89; A loan with a $35 month payment, 24 month term with a $9 admin fee at a 15.97% Annual Percentage Rate with a cost to buildof $125; A loan with a $48 month payment, 12 month term with a $9 admin fee at a 15.65% Annual Percentage Rate with a cost to build of $46; A loan with a $150 month payment, 12 month term with a $9 admin fee at a 15.91% Annual Percentage Rate with a cost to build of $146. Please refer to for the most recent pricing options.

**All Credit Builder Accounts made by Lead Bank, Member FDIC, Equal Housing Lender, Sunrise Banks, N.A. Member FDIC, Equal Housing Lender or SouthState Bank, N.A. Member FDIC, Equal Housing Lender. Subject to ID Verification.   Individual borrowers must be a U.S. Citizen or permanent resident and at least 18 years old. Valid bank account and Social Security Number are required. All loans are subject to consumer report review and approval. All Certificates of Deposit (CD) are deposited in Lead Bank, Member FDIC, Sunrise Banks, N.A., Member FDIC or SouthState Bank, N.A., Member FDIC.

7. Kovo


Kovo is a new kind of credit builder that helps you improve your financial health and access better products and services.

By signing up to Kovo, you can build your credit easily with small monthly payments. They offer a unique way to build credit by purchasing ‘Kovo Courses’ on credit, with Kovo Installments.

You would pay $10/month over 24 months for access to these courses that allow you to pick up useful skills. You can also earn with rewards with 1% back on eligible loan offers.

Payment history is the single biggest factor that contributes to your credit score, and with Kovo Installments your monthly payments are reported to the credit bureaus. What this means is that with Kovo, you can be on your way to building a stronger credit profile.

Why we chose it

Kovo offers a new way to build credit and its courses may offer valuable skills for you.

Courses are created by instructors to help you hit your goals. While these courses are all together valued at over $400, they make them available as a collection for $240.

Included are the following interactive courses:

  • Job Interview Skills, Interview Strategy & Answer Scripts
  • Self Confidence & Self Esteem: Confidence via Self-Awareness
  • Entrepreneurship: How To Start A Business From Business Idea
  • Personal Branding Path To Top 1% Influencer Personal Brand
  • Stress Management With Time Management For Burnout & Anxiety
  • Entrepreneurship: Sales Training, Techniques and Methods
  • Ecommerce Bootcamp Academy
  • Google Sheets Fundamentals

Rewards also provide a way for Kovo customers to earn gift cards when opening a loan or credit card offered by some of its featured lenders and card issuers.

Rewards are calculated as 1% of the value of a personal loan issued (up to $500 gift card), student loan issued (up to $250 gift card), student loan refinance issued (up to $250 gift card), and $75 gift card for a credit card issued.

Thus, if you are already in the market for a financial product, then it makes sense to go through them to earn a free gift card.


  • Ability to build credit plus learn through courses
  • Credit check not required
  • Reported to Experian® and Equifax® on a monthly basis
  • Instant approval with 0% APR and $0 fees

  • Some people may not have time to utilize the courses
  • Brand new product, not many reviews yet


Kovo will cost you $10/month for 24 months for access to its courses. Payments are automatically run from your linked payment method.

8. Sable

sable best credit building apps

Sable is a secured credit card and bank account that you can open in just 5 minutes.

Why we choose it

Sable offers a secured credit card where you can earn unlimited cash back on all your purchases. It is also easy to use as it gives room for you to access unsecured credit after using its services for four months of on-time payments. As such, try using Sable if you truly want to elevate your credit score.


  • Easy set up for autopay for on-time monthly payments
  • No soft or hard credit pull
  • Premium card perks
  • No annual fees
  • Easy account freezes


  • Reviews online say their customer support isn’t the best


Sable allows you to set a credit limit equal to what you deposit. In essence, if you deposit $400, your credit limit will automatically be $400.

9. Extra

extra debit card to build credit

The Extra credit building app is good if you don’t want to use a credit card to build credit.

Why we choose it

You can easily establish credit using Extra without worrying about missed payments or interest charges. The credit builder tool at Extra also rewards you with points. As a result, you will improve your finances and earn rewards that will be useful in the future. To build your Credit with Extra, all you have to do is to link your bank account.


  • Your bank account will be connected safely
  • Withdrawal of funds is automatic
  • View transactions using the Extra app


  • Plaid compatibility is required by the bank
  • Equifax and Experian are the only reporting agencies


The subscription service on Extra starts at $8 a month and lets users build credit using money they already have while never paying high-interest rates.

10. SeedFi

seedfi best credit building apps

SeedFi is a top credit building app where you can borrow without fear, save without stress, and confidently improve your credit scores.

Why we chose it

SeedFi has an attractive feature that notifies users to avoid late payment charges and fees, thus helping users avoid low credit scores. The app has two major plans, which are:

  1. SeedFi Credit Builder Prime and
  2. Credit Builder Installment Edition
SeedFi Credit Builder Prime

The SeedFi Credit Builder Prime is free and requires no fees or interest charged. All you have to do is to create an account for a line of credit using your name and select payment as low as $10 every other week. Though access to credit is not granted immediately, you must make advance payments on the debt. In this way, once your payment is up to $500, SeedFi grants you access via a savings account where you can use the money.

The benefit of the Credit Builder Prime is that it has a rotational credit structure. This means that your account remains intact after the initial $500, and the cycle repeats itself. All you have to do is to maintain the $500 savings, and you will get access to the funds.

Credit Builder Installment Edition

For the SeedFi Credit Builder Installment Edition, the loan you can get is only $500, and you have the chance to select payments of $10 to $40 per pay period. You should note that the loan length is fixed and determined by the size and frequency of the payments you make. It only takes seven to twenty-seven months to repay the funds, with SeedFi charging about a dollar per month.

However, with the above plans, you can close the account when you feel you have reached the score benefit you need and can qualify for credit on your own.


  • Good for immediate cash need
  • Great for growing your savings
  • No fees or interest
  • Free to use
  • Good for building credit
  • Excellent for building a positive payment history


  • Requires SeedFi savings account
  • No option to choose a payment date
  • No joint account or co-borrower option
  • Total funds not immediately available


For the pricing, SeedFi’s “Borrow & Grow” service is where the app makes its money as they take interest charges and sell this feature to you on the app. However, Credit Builder Prime is a free service users can use on the app.

Who Should Use Credit Building Apps?

Credit building apps can be a great tool for anyone who wants to improve their credit score. However, they are especially useful for people who have bad credit or want to establish credit history. If you fall into one of these categories, then you may want to consider using a credit building app to help improve your credit score.

There are a few different types of credit building apps available. Some are designed for people with bad credit, while others are meant for people who have no credit history. There are also some that are specifically designed for people who have both bad credit and no credit history.

No matter which type of credit building app you choose, they all have the same goal: to help you improve your credit score.


What is credit history?

Credit history is a record of how you’ve managed to repay debts, such as credit cards and loans. Your credit history is recorded in your credit reports, containing additional information about your finances. You’ll need to check your credit report to see if you need to remove any closed accounts or negative payment history and more.

Why is building good credit important?

Building a good credit score helps to ascertain if lenders will grant you loans or not. It helps you secure interest rates on mortgage and personal loans.

When are credit building apps a good idea?

Credit building apps are a good idea once you notice a low credit score.

What is a credit builder loan?

A credit builder loan is different from a traditional loan. With a traditional loan, you might receive the money you’re borrowing upfront and pay it back over time. But with a credit builder loan, you make fixed payments to a lender and then get access to the loan amount at the end of the loan’s term.

Do banks have credit builder loans?

Many financial institutions can offer a credit builder loan, including banks, credit unions, and online lenders like Self and MoneyLion. A credit builder loan can have different interest rates, loan amounts, fees, and loan payment rules.

Best Credit Building Apps Summary

No doubt, it can be said that there is increased pressure on individuals seeking to boost their credit scores, as low credit scores determine if a lender will grant loans out to you or not.

To handle such a challenge, it would be helpful to use a credit building app to help identify your problem areas with finances and improve your credit score.

With this in mind, this article encourages you to examine the following best credit building apps to help determine how you can approach credit handling.

In a perfect world, we would all have great credit scores. But if you need to increase your credit score significantly — then credit builder apps can help you.

Credit builder apps help you improve your credit score by offering free credit monitoring, access to a line of credit or credit building loan. By making on-time payments and keeping your balance low, you can improve your credit score over time. And the best part is, there are many credit builder apps available for free.

Brian Meiggs
Brian Meiggs
Founder of Smarts, Brian is an entrepreneur and investor who enjoys working out, reading, spending time with his family and friends, playing chess, traveling and creating great content. He’s passionate about helping others make smarter money moves and achieve financial freedom. He uses the free Personal Capital app to manage his cash flow and net worth.
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