10 Best Credit Building Apps to Raise Your Credit Score

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credit building apps

If you're looking to improve your credit score, there are a number of great apps out there that can help. Check out our top 10 picks for the best credit building apps! With these tools, you'll be on your way to a better credit rating in no time.

What Is A Credit Builder App?

A credit builder app is a tool that can help you improve your credit score. It does this by reporting your payments to the credit bureaus, which can boost your score over time. Additionally, a credit builder app can help you keep track of your spending and keep you accountable for any missed payments. Ultimately, using a credit boost app can save you time and money by helping you avoid late fees and other penalties. Let's take a closer look at how a credit builder app works.

How Does a Credit Builder App Work?

A credit builder app typically works by linking to your bank account and monitoring your spending. Once you've linked your accounts, the app will provide you with regular updates on your balance and transactions. This information can be helpful in two ways: first, it can prevent you from overspending; and second, it can help you catch any errors or fraudulent charges quickly.

Additionally, most of the best credit score apps will offer some form of payment reminder. This feature can be especially helpful if you have trouble keeping track of due dates or tend to forget to pay your bills on time. By setting up reminders, you can avoid late fees and other penalties that can damage your credit score.

Finally, many credit builder apps will report your payments to the three major credit bureaus (Experian, TransUnion, and Equifax). If you always make your payments on time, this positive activity will be reflected in your credit report and could lead to an increase in your credit score over time.

The Best Credit Building Apps Available Today

There are so many financial products and this can be confusing. To help you make informed decisions, our team tested for you the following credit score apps. Find below our review of the best credit building programs.

1. Kikoff

Kikoff is the best credit builder loan app that offers a unique spin on traditional credit building options. With instant approval, users can sign up for a $750 line of credit that can only be used in the Kikoff store.

After approval, users can buy through the Kikoff store and improve their credit score by making timely payments. A great advantage of using a free credit building app like Kikoff is that there are no fees - no administrative fees, annual fees, late fees, or interest charges.

However, it should be noted that Kikoff only reports payments to Equifax and Experian - not all credit agencies will receive updates on payment history.

Overall, I think Kikoff is one of the best credit builder accounts and a great option for those looking to build their credit without having to deal with high fees or long application processes. However, it's important to keep in mind that your payment history may not be reported to all credit agencies. Indeed, Kikoff does not report to Transunion

Apply for Kikoff


  • Instant approval
  • No fees
  • Easy way to build credit


  • Limited use - only able to use line of credit in Kikoff store
  • Payment history may not be reported to all credit agencies

2. SeedFi

After using SeedFi's Credit Builder Prime for several months, I can honestly say that it has been a game-changer in my credit building journey.

First of all, the fact that it is completely free is amazing. Other credit building programs often come with high fees and hefty interest rates, but SeedFi's Credit Builder Prime allows you to build your credit without any added financial burden.

The process is simple - you open a savings account with SeedFi and choose how much money you want to add to it each pay period. The regular payments made toward this account are reported to the three major credit bureaus, helping to boost your credit score. Plus, you're also building up savings at the same time.

One of the best things about SeedFi's Credit Builder Prime is that there is no credit check required to open the savings account. This means that even those with poor or limited credit histories can take advantage of this opportunity to improve their score.

However, one downside is that you must commit to saving at least $10 per pay period in order to participate in the program. This may not be feasible for some individuals with limited income or expenses.

Overall, I highly recommend SeedFi's Credit Builder Prime for anyone looking to improve their credit score without incurring additional fees or interest charges. It has been incredibly helpful in my own journey and I am confident it could benefit others as well.


  • Free to use
  • Regular payments made towards savings account reported to major credit bureaus
  • No credit check required
  • Builds savings at the same time as improving credit score


  • Minimum savings requirement of $10 per pay period

3. Grow Credit

Grow Credit is one of the apps like Seedfi that offers a unique opportunity for individuals to build their credit through their monthly subscription services. Instead of only traditional forms of credit, such as credit cards and loans, Grow Credit allows payments made towards subscription services to be reported to the credit bureaus.

With over 100 available subscriptions to add, including popular options like Netflix and Amazon Prime, customers can easily integrate their current subscriptions into their credit-building plan. And the best part is that there are no fees for signing up and using the service, with a monthly spending limit of $17 (upgrade options are available for an additional cost).

In terms of use, setting up Grow Credit is simple and straightforward. Once your subscriptions are added and linked to your Grow Credit Mastercard, payments towards those services will automatically be reported to the credit bureaus in order to boost your credit score.

Overall, the concept behind Grow Credit is innovative and provides a convenient way for individuals to work on improving their credit. However, it’s important to note that only making payments towards subscription services will not be enough on its own to significantly increase your credit score. It should also be used in conjunction with other forms of responsible credit management.


  • Convenient way to build credit through monthly subscription services
  • No fees for signing up and using the service
  • Easy set up process
  • Innovative concept


  • May not be enough on its own to significantly increase your credit score
  • Limited spending limit (upgrade options available at an additional cost)
  • Not all subscription services may be available

4. MoneyLion

If you are looking for apps to build credit we suggest you check MoneyLion.

I've been using MoneyLion's Credit Builder Plus product for the past few months and have seen a noticeable increase in my credit score. The process to apply for the loan was easy and didn't involve a hard credit check. And, I appreciate that part of the loan is placed into a Credit Reserve Account for me to unlock later.

One downside of MoneyLion is the monthly membership fee of $19.99. While this fee may be worth it for some, it might not fit into everyone's budget.

Overall, I've been happy with my experience using MoneyLion for credit building. Here are some pros and cons to consider before signing up:


  • Proven to increase credit score quickly
  • Easy application process
  • Credit Reserve Account feature


  • Monthly membership fee
  • Limited services/features compared to other financial apps

5. Credit Strong

After researching and trying out several credit building apps, I have found that Credit Strong stands out as the best option for its variety of loan options and ease of use.

First, Credit Strong offers credit builder loans with a range of monthly payments, allowing customers to choose a payment plan that fits their budget and credit building goals. Additionally, all funds from the loan are saved and made available at the end of the loan term, rather than being given upfront.

One downside to using Credit Strong is the cost. In addition to paying interest on the loan, there is also a non-refundable administration fee. However, for me personally, these costs have been worth it in order to build my credit score.

Overall, I highly recommend Credit Strong as a reliable and user-friendly option for those looking to build their credit.


  • Wide range of monthly payment options
  • Funds from loans are saved until end of term
  • Easy to use platform


  • Non-refundable administration fee
  • Interest on loans can add up quickly

6. Sable

Sable is a great credit score helper. The secured card requires a deposit upfront, but if you make your payments on time, you have the potential to graduate to an unsecured card in just a few months. Plus, the card offers cashback rewards and can be managed entirely through your phone.

One pro of Sable is the potential to quickly build credit and graduate to an unsecured card. Another pro is the cashback rewards on certain purchases.

One con of Sable is that it requires an upfront security deposit. Additionally, not all purchases qualify for cashback rewards.

Overall, I recommend Sable as a useful tool for building credit and earning rewards.


  • Opportunity to build credit through secured credit card
  • Potential to graduate to unsecured card in a few months
  • Direct management of card through phone app
  • Earn cash back at certain retailers


  • Must put money down upfront for secured card
  • Not all retailers offer cash back rewards
  • Limited options for credit building compared to other apps or loans

7. Brigit

Brigit is a credit builder app that helps users improve their financial situation by offering loans to be paid back over time. This builds a positive payment history and can improve credit scores.

One of the great things about Brigit is that the loan amount is deposited into a savings account, so users are able to save money while also improving their credit. Additionally, there are no hidden fees or charges, making it a transparent and straightforward option for those looking to build their credit.

One potential con is that Brigit only offers loans up to $250 at this time, which may not be enough for some users. Another potential downside is that the loan must be paid off within 12-24 months, so those who may need more time to pay off the loan may not find Brigit to be the best fit for them.

Overall, Brigit is a great option for those looking to build their credit and save money in the process.


  • Builds positive payment history and improves credit score
  • Loan amount deposited into savings account
  • No hidden fees or charges


  • Only offers loans up to $250 at this time
  • Must pay off loan within 12-24 months

8. Sesame Cash

Sesame Cash is an excellent choice for anybody wishing to improve their credit. The virtual secured credit card enables you to load money onto the card and use it to make purchases while simultaneously reporting part of your monthly debit expenditures to credit agencies. If your credit score improves by at least 100 points in 30 days, Credit Sesame will charge you $100.

Sesame Cash is free to use, with the exception of the first investment, which may be refunded. The app also provides free access to your credit score, allowing you to follow your progress.

One potential downside is that you need to have funds available for the initial deposit. However, this can also be seen as a positive since it helps limit overspending and encourages responsible spending habits.

Overall, I highly recommend Sesame Cash as a tool for building credit. It’s easy to use and offers unique incentives for improving your score.

πŸ‘€ Related Article: Credit Sesame Review


  • Free (aside from initial deposit)
  • Reports monthly debit purchases to credit bureaus
  • Offers incentive for improving credit score
  • Provides access to free credit score
  • Encourages responsible spending habits


  • Requires initial deposit

9. Self

Self is a credit builder app that offers loans with the potential to better your credit score. Self funds a certificate of deposit upfront and then you repay in monthly installments. The payments get reported to the credit bureaus. Self funds a certificate of deposit account upfront, and then you repay in monthly installments. The payments get reported to the credit bureaus.

One potential pro of Self is you may build your credit score. However, there are also some drawbacks to keep in mind.

First, the interest rate for Self loans can be quite high. Additionally, there is an administrative fee required to start the loan.

At the end of the loan, you will not receive back the full amount of your monthly payments due to interest charges and fees.

Self might be beneficial for those looking to build their credit, but before taking out a loan, it's vital to examine the potential expenses.


  • Opportunity to build credit
  • Monthly reporting of payments to credit bureaus
  • Build Savings


  • High interest rates
  • Administrative fee required upfront

10. Sequin Card

I have been using the Sequin Card for the past year and can confidently say that it has been a game changer in my credit building journey.

Firstly, let's talk about what the Sequin Card is: it is a debit card specifically designed for women to help them build their credit. It offers resources such as personalized spending recommendations, unlimited access to credit scores and reports, and expert-led courses on improving credit.

Now, how does it work? The Sequin Card functions just like any other debit card. You can use it to make purchases and withdraw cash from ATMs. However, what sets it apart is that it also gives you access to helpful tools and resources for improving your credit score.

So, what are the pros of using the Sequin Card? One major pro is that it offers personalized recommendations based on your spending habits, which can be extremely useful in curbing unnecessary or impulsive spending. Another pro is the wealth of educational resources on improving credit, which can be difficult to come by without a subscription or membership fee. And finally, as a woman-centric financial tool, it offers a unique approach to building credit that may better suit the needs and experiences of women.

On the flip side, there are also some cons to consider with the Sequin Card. One con is that it only functions as a debit card and does not directly help build credit like a credit card would. Additionally, while the membership does offer unlimited access to credit scores and reports, these features are also available for free through sites such as Credit Karma or annualcreditreport.com.

Overall, I highly recommend considering the Sequin Card as an option for improving your credit building efforts. However, do keep in mind its limitations as well and weigh them against your personal financial goals and needs.

πŸ‘€ Related Article: Experian Boost Review

Frequently Asked Questions

Do Credit Building Apps Work?

The answer to this question really depends on the specific credit building app and how it is used. Some apps may offer helpful tools and resources for improving one's credit score, but ultimately it is up to the individual to consistently make smart financial decisions and properly use the app.

On the other hand, there are some credit building apps that make false promises or charge excessive fees, so it is important to do research and read reviews before signing up for one.

In general, using a credit building app can be a useful tool in improving one's credit score, but it should not be relied upon as the sole means of doing so. Consistent responsible financial behavior and good money management habits are crucial factors in successfully building credit.

Does Cash App Build Credit?

No, Cash App does not build credit.

To build credit, a person must have a line of credit through a financial institution such as a credit card or loan, and make timely payments on that line of credit. Using Cash App to pay bills or send money does not create a line of credit for a person.

Additionally, Cash App does not report payment activity to the major credit bureaus (Equifax, Experian, and TransUnion), so using Cash App will not have any positive or negative impact on a person's credit score.

In order to build or improve one's credit, it is important to establish lines of credit and make timely payments on them. This can include getting a credit card or taking out a loan and making regular payments on it. It is also important to regularly check your credit report for errors and dispute any inaccuracies. Additionally, maintaining low levels of debt and keeping balances low compared to available credit can also help improve one's credit score.

Using Cash App may be convenient for making payments or sending money, but it will not have any impact on building or improving one's credit.

Choose The Best App For Credit Score

So, there you have it! The 10 best credit building apps to raise your credit score. We hope that this article has been helpful and informative. If you’re looking for a comprehensive credit building solution, we recommend Kikoff. It is the best free credit score app designed to help users build their credit history from scratch and improve their credit score in record time. Thanks for reading and happy building!

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