Best credit builder apps for Android
Credit builder apps help you build or repair a credit score through secured cards, credit-builder loans or reported rent and utility payments.
19 apps ranked · How we rank
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A free, broad credit and money hub for anyone working on their credit, provided they treat its offers as a starting point.
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A well-established, low-cost credit builder for people starting below 600 who will commit to a monthly payment routine.
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A free, ad-free credit report and FICO Score with monitoring, plus paid extras that suit specific needs rather than everyone.
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A free, ad-supported credit tracker that suits anyone watching their score daily, with deeper bureau tools reserved for subscribers.
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A structured, no-credit-check path to a better credit file for people willing to commit to 24 months of steady payments.
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A free, ad-free credit monitoring app that suits US adults who want a TransUnion FICO Score and alerts without a subscription.
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A good fit for regular earners who want interest-free installments and a path to credit history.
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A free TransUnion score and report with a paid builder layer that suits people who want to see the problem before paying to fix it.
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A free, ad-free companion app that handles the essentials for PREMIER Bankcard cardholders and little else.
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A well-established credit-building card for people starting from no history, provided the membership fee and merchant list suit your spending.
More of the best credit builder apps
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11
Bright: Loans & Credit Builder
Bright Money
4.6
1M+
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12
Brigit: Cash Advance & Credit
Brigit
4.8
10M+
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13
Ava Finance
Ava Finance, Inc.
4.6
500K+
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14
myEquifax
Equifax Incorporated
4.6
500K+
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15
myFICO - Credit Score Tracking
FICO
4.3
1M+
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16
MoneyLion: Cash Advance App
MoneyLion Inc.
4.5
5M+
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17
Vola: Cash Advance & Credit
Vola inc.
4.6
500K+
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18
TransUnion®
TransUnion Interactive, Inc.
3.2
1M+
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19
Boost Money: Fast Cash Advance
Upgrade, Inc.
3.9
100K+
About credit builder apps
They send that activity to the major credit bureaus to create a positive payment record that scoring models can use. They suit people starting out with a thin history, recovering from missed payments, or adding a tradeline without a hard inquiry. Some require a cash deposit, others lend you money, and a few only report bills you already pay. They differ in what they report, how long building takes and what you pay along the way, so it helps to know which of your credit reports needs the most work.
What to look for
- Confirm the app reports to all three major credit bureaus, since a tradeline on only one report limits your progress.
- Check whether a secured card or loan requires a deposit and if that deposit is refundable, because that cash stays tied up while you build.
- Look at the fees: monthly charges, setup costs, or interest on a builder loan can outweigh the score benefit if they are high.
- Review the app's privacy policy and data-sharing terms, as credit apps handle sensitive financial information.
- See if the app offers a free score tracker or report summary, which helps you verify that your payments are being reported correctly.
How we rank
Apps are ranked by their Google Play rating (weighted by how many people rated them), their number of installs, how recently they were updated and how closely they fit the category. Only apps we've reviewed are included.