Are you looking for ways to increase your credit score and build better spending habits?

While good money management always helps, technology is making it easier than ever before.

With the emergence of digital banking and robust mobile apps, people are finding new ways to budget smarter, pay off debt faster, and improve their financial standing.

In this blog post, we’ll examine some of the best credit-building apps available today – providing you with an arsenal of tools to help maximize your financial potential!

What Are the Best Credit Building Apps?

Here is the list of the best credit-building apps available today.



Kikoff is an innovative credit-building service designed to help individuals build their credit safely and responsibly.

Kikoff offers two products: the Kikoff Credit Account, a revolving line of credit that helps you build monthly payment history and reduce your credit utilization, and the Kikoff Credit Builder Loan, which provides customers with favorable payment behavior access to additional loan options.


  • Establish excellent payment history and keep utilization low with this tool

  • Make life simpler with Autopay – No more having to keep track of due dates constantly – this automated feature eliminates that stress

  • Secure a $750 credit line

  • Enjoy fast and easy access to credit without any complicated procedures or hard pulls on your records

  • Take your pick from an array of products in the Kikoff store

  • The Credit Account is crafted to ensure meager utilization rates

  • The platform caters to Android and iOS users, with a dedicated app for each operating system

  • With Kikoff, coverage spreads to an impressive 48 U.S. states and 97%+ of the population. At the moment, it does not operate in Delaware (D.E.) and Indiana (IN)


Kikoff has two products with different prices.

The Credit Account costs $5 per month, and the Credit Builder Loan is $10 per month.

There are no extra fees for either product.


Kikoff Credit Account is its ease of use.

It requires no credit check, and customers can get started within minutes – all you need to do is sign up, choose a plan, and start building your history.

Additionally, the Autopay feature ensures that customers never miss a payment, helping them build their credit scores responsibly.


Kikoff does require a monthly fee of $5 for the Credit Account and $10 for the Credit Builder Loan, which may be too expensive for some customers.

It does not cover 100% of the United States.

Additionally, the purchases must be made only from Kikoff’s store – customers can’t use the line of credit for any other purchases.

Bottom line

Kikoff is an innovative credit-building service that allows users to build their credit score without worrying about penalties or hidden fees.

On average, customers with a credit score under 600 can increase their credit score by 58 points.

Kikoff offers an easy-to-use option to access credit and build your score.



MoneyLion is an app that helps people establish or rebuild their credit scores.

It offers a Credit Builder Plus program, which requires no hard credit check and immediately gives you access to a portion of the loan funds.

The program also creates twelve months of payment history with all three major bureaus, a great way to get your financial life back on track.


  • It provides you with the funds you need today while also helping to build your credit over time

  • Unlock up to $300 of your funds from each pay period, enabling you to manage everyday costs easily

  • Secure a loan of up to $1,000

  • No credit check is necessary as it is only conducted through a soft credit pull, which will not damage your credit score

  • Rewards up to $19.99 each month by utilizing the MoneyLion app and RoarMoney mobile banking – this could even waive the membership fee

  • You’ll be able to monitor your progress with 24/7 credit monitoring


The Credit Builder Plus membership costs $19.99/month. Payments are arranged for membership fees and loan payment due dates to coincide with when you receive your paycheck.


MoneyLion is an excellent app that allows you to build your credit score without going through a hard credit check.

It offers a loan of up to $1000, giving you access to funds immediately.

The app also includes 24/7 credit monitoring.


MoneyLion does come with a monthly fee of $19.99/month.

The loan repayment can also be quite lengthy, and users may not see any improvement in their credit score until after 12 months of payment history.

Bottom line

MoneyLion is an excellent choice for users who need to establish or rebuild their credit.

Its Credit Builder Plus program includes a loan that helps users establish 12 months of payment history with all three credit bureaus.

Even though Credit Builder Plus has an expensive membership of $19.99/month, this can be waived with rewards earned through the MoneyLion app and RoarMoney mobile banking.

Grow Credit

grow credit

Grow Credit is an innovative credit-building app designed to help millions of Americans gain access to credit by making it easier to pay for recurring subscription services.

With Grow Credit, you can set up an interest-free virtual MasterCard that can be used for recurring payments such as Netflix, Hulu, Amazon Prime, Spotify, and more.

Grow Credit will report your monthly repayments to the three major credit bureaus, helping you build a positive repayment history and improve your credit score.


  • Reports to all three credit bureaus

  • Gain complimentary insight into your creditworthiness with a free FICO score

  • Expand your Grow Credit account by subscribing to an extensive list of over 100 subscriptions

  • Streamline your payments with the Grow Credit Mastercard

  • Up to $1,800 annually or $150 monthly reported to the bureaus to boost your credit score, depending on the subscription plan

  • Free account available

  • Soft credit check when you apply for an account for identity verification purposes only. Your application will not negatively affect your current credit score.


Grow Credit offers four plans.

The Build plan is free and does not require upgrading to a paid account.

The Build Secured plan costs $1.99 per month, the Grow membership plan costs $4.99 per month, and the Accelerate plan costs $9.99 per month.

grow credit pricing

You do not have to pay interest on any of these plans.


Reporting to all three credit bureaus, free access to your FICO score, no hard credit check, and free account access.

Grow Credit offers a wide range of subscription options, up to $1,800 annually or $150 monthly of activity reported to the bureaus.


The more expensive plans offer higher limits and more features, but they may not be accessible to everyone, depending on their budget.

Bottom line

Grow Credit is a great way to build credit without interest and fees and with no obligation to upgrade.

The free option is the perfect way to start and gives users access to their FICO score and a range of plans that allow them to build their credit history.

Regular payments should help users improve their credit scores over time.



Self Credit Builder Account is an innovative loan product that helps individuals build their credit by monthly reporting payments to the three major credit bureaus.

It allows customers to make monthly payments against a bank-held Certificate of Deposit (CD).

As a result, individuals can establish a positive payment history over time, which accounts for 35% of their credit score.


  • When you apply for a Self Credit Builder Account, your credit score won’t be affected due to no hard pull inquiry

  • Autopay is the perfect way to ensure you never miss a payment, as it enables automatic payments

  • Uncover how your credit score evolves over time at no extra cost

  • Every payment is reported to all credit bureaus

  • You can withdraw your savings at any moment, except for interest and fees that have been accrued

  • Accessible and available throughout the entire United States

  • Access Self on any device – desktop, tablet, or mobile

  • Availability of a Self Visa secured credit card in as little as 3 months with no hard inquiry on your credit report by enrolling in a Self Credit Builder Account


Self has 4 plans you can choose from.

The Small Builder plan is $25 a month for 24 months, the Medium Builder plan is $35 a month for 24 months, the Large Builder plan is $48 a month for 12 months, and the X-Large Builder plan costs $150 per month for 12 months.

self pricing

You will have to pay interest between 12% and 14% and an annual percentage rate (APR) of around 15.9%.


Self is that it does not require upfront income or cash when applying for the Credit Builder Account.

This makes it convenient for those with bad or limited credit histories who need to get their credit score off the ground.

Self offers features such as Autopay and detailed reporting that can help customers stay on top of their payments and track their progress.


Customers are subject to interest and fees, and credit improvement may vary.

Bottom line

Self is an excellent credit-building app with various payment options, impressive features, and convenient availability.

It is an effective tool for anyone with bad or little credit history to build their credit and improve their score.

Credit Strong

credit strong

Credit Strong is a financial services company that helps people build and repair their credit scores.

It provides multiple solutions to help enhance credit utilization, increase credit limits, and build savings.

Credit Strong offers Revolv (instant revolving credit with no monthly payment necessary), Instal (credit-builder loan with low fixed monthly payment), and CS Max (big credit builder accounts with the largest and longest term).

These services are designed to help users establish or improve their credit profiles.


For Revolv plan:

  • Instantly builds a revolving credit.

  • You do not have to pay anything every month

  • It may help your score right away. This happens because it decreases utilization.

  • This can help improve your credit score when used with Instal or CS Max

For Instal plan:

  • Low monthly payments that build your installment credit over time

  • Multiple pricing plans to choose from

  • Suitable for building credit and savings

  • If you combine it with Revolv, it can help improve your credit profile

For CS Max plan:

  • Build credit in installments

  • The credit builder account available to you is the largest and longest one

  • Use it for personal or small business credit building

  • You can combine it with Revolv to help improve your credit score


  • Revolv plan is $99 per year

Instal plan has 3 variants:

  • $28 per month for 48 months of credit history

  • $38 per month for 36 months of credit history

  • $48 per month for 24 months of credit history

CS Max plan has 4 variants:

  • $49 per month for a $2,500 installment account reported

  • $99 per month for a $5,000 installment account reported

  • $199 per month for a $10,000 installment account reported

  • $449 per month for a $25,000 installment account reported


No hard credit check and get access to FICO credit score instantly. In addition, get access to the phone, and live chat support for all inquiries.


A higher administrative fee than what most other companies charge.

Bottom line

Credit Strong is great because it helps people build their credit in many ways.

It can help revolving credit, installment credit, and even business credit building.

With its wide range of plans, Credit Strong has something for everyone looking to improve their credit.



Extra is a revolutionary new way to build and improve credit.

Developed by a team of experienced financial experts and technology entrepreneurs, Extra is the world’s first debit card to help you build a good credit score without needing additional credit cards or loans.

With Extra, you can make all of your everyday purchases, knowing that each purchase is building credit for you.

At the end of every month, Extra provides a detailed report to credit bureaus and tracks your progress so that you can watch your credit score increase over time.


  • You can earn points for buying things like coffee and phone bills when you upgrade your subscription to include rewards points. You could earn up to 1% back in points for these everyday purchases

  • The Extra Debit Card is not a secured credit card; it uses your existing bank account

  • Extra provides seamless integration with more than 10,000 banks nationwide

  • You don’t need to worry about a credit check – the spending limit is granted based on your bank balance and other factors

  • At the beginning of every month, your credit score is reported to both Equifax and Experian

  • The Extra app records all your transactions for easy reference and organization. Gain complete visibility into spending history


Extra has two different pricing plans at the moment:

  • Credit Building plan is $149 per year

  • Rewards + Credit Building plan is $199 per year, with added reward points for each purchase and access to the rewards store

extra pricing


Extra offers an easy way to start building credit without needing a traditional credit card.


The Extra credit-building app’s price is slightly higher than other products of this type. In addition, the credit history is reported only to two of the three bureaus.

Additionally, the rewards program requires an upgraded subscription, which may not be a priority for everyone.

Bottom line

Extra is excellent for building credit quickly, efficiently, and with no credit check.

The rewards program could be an excellent addition, and the points can be used in the rewards store. The only downside is that the price point may be a bit steep.

Sable One Credit


Sable is a credit-building app that helps users build their credit with a simple, secure card.

It’s an alternative to more traditional approaches such as credit builder loans, and with Sable, you can manage the entire experience directly from your mobile device.

When you sign up for Sable, you deposit money upfront to open your secured credit card.

As you use the card and make your payments on time, you may be able to graduate with an unsecured credit card in as little as four months.

Additionally, Sable offers unlimited cash back on all purchases, making it a great choice for anyone looking to improve their credit score.


  • There is no need to check your credit score or history to see if you qualify

  • With this card, you get 2% cash back on your favorite brands and 2X first-year cash back matches. You also get premium benefits

  • Earn unlimited 1% cash back on all other purchases

  • A quick way to build a U.S. credit score

  • Guarantee the security of your funds with an FDIC-insured bank account

  • You do not have to pay annual fees or put down a minimum deposit

  • Multilingual customer support via chat, email, phone, and FAQs are provided


  • There are no monthly or annual fees, and the interest rate is low APR of prime +6.99%. So you don’t need to pay any hidden fees either.


Sable provides a great way to build a U.S. credit score.

With no credit history or credit check required, anyone can start building credit quickly and safely. Additionally, the 2% unlimited cash back on your favorite brands is an attractive bonus for users. With no annual fees or minimum deposits, the Sable credit card is an affordable way to build good credit.


An upfront deposit is required before you can access the card. This could be an issue for those that don’t have a large sum of money available to put down.

Bottom line

Sable is an ideal choice for anyone looking to improve their financial standing.

It is a secure, fast, and cost-efficient way to build credit and become financially independent.

Its low APR rate and cashback rewards make it one of the best credit-building tools available today.

Credit Builder Card

credit builder card

Credit Builder Card is a marketplace that provides users access to secured credit cards in their state.

This platform allows users to build their credit scores without worrying about high-interest rates, annual fees, and application fees.

Furthermore, these cards are guaranteed to report to all three major credit bureaus: Experian, TransUnion, and Equifax.

With Credit Builder Card, users can easily find the best-secured credit card for their financial needs and build a better credit score in no time.


  • No credit score is needed and no hard inquiry when you apply – making it easy for anyone to get approved

  • In as little as 2 minutes, your application can be submitted and processed

  • You will need to have $200 to open a secured account

  • Interest rates below 23%

  • Reports are sent to major credit bureaus

  • Receive your credit reports within seven days of approval


The Credit Builder Card has no monthly or annual fees. However, you will need to pay an initial deposit of $200 when you apply.

You may also have to pay a variable interest rate, which is not specified.


There is no hard credit inquiry or credit score required for approval.

This means that those with low or nonexistent credit can still apply and be approved without experiencing a hard hit to their score.

Additionally, the process is quick and easy, with reports submitted to major credit bureaus within a week.


Users may incur variable APR, which is not specified, so it is essential to read the terms and conditions thoroughly before signing up.

Additionally, while some members have seen their credit scores improve by more than 50 points, this is not guaranteed and depends on individual circumstances.

Bottom line

Credit Builder Card is an excellent app for anyone looking to improve their credit score.

It has no hard credit inquiry when you apply, and you can positively impact your score in just a few weeks.

The $200 deposit is a minimal cost to pay for the long-term benefits of building a good credit score.



Grain is an innovative credit-building app that offers users a unique way to access and build their credit score.

Grain allows you to use your existing debit card to open a revolving line of credit, allowing you to borrow when needed and improve your credit score.

Grain also provides an app to help you better manage your spending and credit score.


  • Gain access to a revolving line of credit that is tailored around your cash flow

  • Secure a pre-approved line of credit with zero impact on your credit score

  • Connect with ease to any of the 10,000+ supported banks

  • Every month, your credit activities are reported to all the major credit bureaus

  • App for iOS users

  • 256-Bit Encryption protects your data with the same level of security that banks use


The cost of using Grain is 15% APR (Annual Percentage Rate) and a 1% finance charge on the money you borrow.


Grain offers a revolving line of credit that you can access through your existing debit card, with no additional fees or credit score check-ups.

It also reports your credit activities to the main credit bureaus, giving you a better chance of improving your scores.


A significant drawback of this service is the fees.

The app is only available for IOS users.

Bottom line

Grain is an excellent option for those looking to boost their credit score but having difficulty getting approved for traditional credit cards since it offers a revolving line of credit that gives you more control over your credit.

What Is the Best Way to Build Credit?

The best way to build credit is to make sure you are constantly making payments on time, regularly using your credit responsibly, and avoiding applying for too many loans or credit cards in a short time.

How Long Does It Take To Improve My Credit Score?

This depends on your current situation and how much effort you put into building your credit.

Generally, if you make all of your payments on time and do not overextend yourself financially, you should begin to see an improvement after several months.

What Is a Credit-Building App?

Credit-building apps are mobile applications that can help you monitor and improve your credit score.

These credit builder apps typically offer features such as budgeting and tracking spending, setting up alerts or reminders for payments, simulating different payment scenarios, and providing personalized advice based on your credit history.

What Should I Do If I Have Bad Credit?

If you have bad credit, the best thing to do is to take control of your finances by creating a budget and working to pay off any existing debts.

You may also want to consider using credit repair software or a credit-building app to help monitor your credit score and ensure all payments are made on time.

Finally, it’s important to watch for signs of identity theft or fraud.


The right credit-building app can help you raise your credit score to get better rates on loans, credit cards, and more.

We’ve compiled a list of the best credit-building apps to help you choose the right one for your needs.

Sign up for the service that fits your financial goals and improve your credit today!