10 Best Credit Building Apps To Improve Your Credit Score

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Even though it’s just a three-digit number, your credit score can significantly impact your life. The best credit-building apps can help you improve your score.

Lenders will look at your credit score when deciding whether or not to give you a loan. Plus, your credit score will influence the loan terms they are willing to offer you. 

If you want to boost your credit score, you are in the right place. Here are the top rated credit building apps to help you improve your credit score.

Top Credit Building Apps

A credit building app can fast-track your journey to a good credit score. But with seemingly unlimited options, it can be difficult to find the best app for your situation. 

In order of their Trustpilot scores, here are the best credit building apps to help you achieve your credit goals. 

1. Kikoff

Kikoff offers a unique spin for credit builders. You can instantly sign up for a Kikoff credit account. Once approved, you’ll have a $750 line of credit

The catch is that you can only use the line of credit in the Kikoff store. After using the line of credit, you must make on-time payments to build your credit score. 

Although you can only use the line of credit through the Kikoff store, the saving grace is the lack of fees. You won’t run into any administrative fees, annual fees, late fees, or interest charges. 

The revolving line of credit can potentially boost your score. Unfortunately, Kikoff will only report your payments to Equifax and Experian. 

With that, you’ll miss out on positive activity reports to the third credit bureau, TransUnion. 

Learn More: Kikoff Review

2. MoneyLion

MoneyLion is another well-rated credit building app. According to MoneyLion, their Credit Builder Plus product has been proven to build credit. 

Over half of MoneyLion members report an increase of 42+ points within 60 days. That’s a big jump.

With the Credit Builder Plus loan, you can apply without a hard credit check. If approved, you’ll receive a portion of the funds upfront. The rest will be stored in a Credit Reserve Account for you to unlock later. 

MoneyLion’s biggest downside is the $19.99 monthly membership fee. While building credit is a valuable money move, you might not have the money in your budget for this extra expense. 

3. Grow Credit

Grow Credit offers a credit-building opportunity based on your monthly subscriptions. As a Grow Credit customer, you’ll receive a Mastercard that you can use to pay for your subscription services. 

There are over 100 available subscriptions to add. A few popular ones include Netflix, Hulu, Disney+, Amazon Prime, and more. 

Once set up, Grow Credit will report the payments you make to the credit bureaus on your subscription services. 

You can take advantage of this service for free. Plus, you’ll run into a monthly spending limit of $17. 

If you upgrade your account, you can choose a monthly spending limit of $50 or $150. That said, you’ll have to pay between $1.99 to $7.99 per month. 

If you already pay for subscription services, then working with Grow Credit could help you get credit for those regular payments. However, you’ll have to decide if paying another monthly fee is worth it. 

Learn More: Grow Credit Review

4. Sable

Sable offers you the opportunity to build credit through a secured credit card. Depending on your card usage, you may be able to graduate to an unsecured credit card in as little as four months. 

You’ll have to deposit money upfront to open the secured credit card. But if you keep up with your payments, you’ll receive your security deposit back within a few months. 

You can manage the entire experience directly from your phone when you use the card. Unlike a credit builder loan, this secured card comes with several perks. 

For example, you can earn unlimited 2% cash back at certain retailers like Amazon, Spotify, Netflix, Uber, and more. Plus, you’ll get 1% cash back on all other purchases. 

Since it doesn’t charge any monthly fees, you can start building credit without a toll on your budget. 

5. Credit Sesame

Sesame Cash, offered by Credit Sesame, provides a virtual secured credit card. After allocating a particular amount of cash to the card, you can start making purchases. 

The app will report some of your monthly debit purchases to the credit bureaus to provide a history of on-time payments. 

As an added twist, the company will pay you as your credit score increases. You’ll earn $100 if you increase your credit score by at least 100 points in 30 days. 

Sesame Cash offers a unique way to build your credit score, and the incentive of earning money to improve your score might be just the motivation you need. 

6. Credit Strong

Credit Strong offers credit builder loans with a wide variety of monthly payments. You can choose a credit builder loan with monthly payments that range from $15 to $110. 

The suite of options means that you’ll likely find a loan product that suits your credit building goals. 

Although there is no option to receive any of your loan funds upfront, you will unlock all your savings at the end of the loan term. 

If you are trying to build credit, the range of options available through Credit Strong can be enticing. 

The only downside to Credit Strong is the cost. Of course, you’ll pay interest on the loan, but you’ll also have to pay a non-refundable administration fee. Combined, these costs can add up quickly. 

7. Self

With Self, you can take out a credit builder loan that has the potential to boost your credit score. 

As you make payments, Self will store your funds in a CD account for you. Along the way, Self will report your payments to the credit bureaus. 

Customers who work with Self may have to pay an interest rate of around 15% or higher. Plus, a $9 administrative fee is required to start the loan. 

At the end of the loan, you’ll walk away with the savings you’ve built. However, the savings won’t be the sum of your monthly payment. You’ll have to factor in the interest payments that Self hangs onto. 

8. Extra

The Extra debit card allows you to build credit by spending the funds in your bank account. After signing up, Extra will give you a spending limit determined by your bank balance. 

Note: ¹All transaction and account activity is subject to review and approval by both Extra and the Issuing Bank. See Extra Terms and Conditions for more details.

As you make purchases, Extra will provide the funds and automatically withdraw payment from your bank account the next business day. 

At the end of each month, Extra will report your transactions to Equifax and Experian. Unfortunately, Extra doesn’t report to TransUnion. 

Luckily, it’s very convenient to use Extra because you won’t have to move bank accounts. Instead, you can connect one of the 10,000+ supported banks².

9. Sequin Card

Last but not least is the Sequin Card. This debit card is designed to help women build credit using debit card purchases. 

Like the Extra debit card, the Sequin Card connects to your bank account. As you make purchases, Sequin will spot the funds for your transactions and withdraw the exact amount from your bank account that day. 

At the end of each month, Sequin will report the sum of your transactions to Experian. Since Sequin doesn’t report to Equifax or TransUnion, that could be a dealbreaker for some. 

Nevertheless, thanks to its ability to build credit using your debit card purchases and no monthly fee, the Sequin Card has a lot to offer.

10. Cheese

Do you want to make your credit score better? If you do, you can try using the Cheese credit building app. It helps people who are new to credit or have had credit problems before.

One good thing about using the Cheese app is that it can help you start a good credit history. You can use the app to buy small things and pay them back on time.

Another good thing about using the Cheese app is that it helps you manage your money. You can use it to see how much you spend, set up bill reminders, and check your credit score.

Overall, if you want a better credit score, the Cheese app can help. Use it often and pay your bills on time. This will help you manage your money and have a better financial future.

Frequently Asked Questions

Before signing up for a credit-building app, it can be a good idea to understand exactly what they are and why their ability to help you with your credit can be beneficial.

What is a credit history?

Your credit history is a long-term record of your credit management. You’ll find information about all of your current credit accounts, plus many from your past.
A good credit history will show a solid record of consistent on-time payments of your debts. A credit history with missed payments won’t look as promising to a lender. 

Ultimately, the information in your credit history will be used to determine your credit score. 

Why is building good credit important?

With a good credit score, lenders are willing to offer better interest rates. This could lead to thousands of dollars in savings when financing large purchases. 

In a nutshell, good credit can unlock a brighter financial future with access to more affordable financing. 

When are credit builder apps a good idea?

A credit builder app can be a useful financial tool for those with bad credit or no credit. If you want to build your credit in a steady and controlled way, credit builder apps can be an excellent idea for you. 

With plenty of options, you can find a credit builder app that works for your budget and credit-building goals. 

Credit Building App Comparison Table

Credit Sesame3.3
Grow Credit2.2
Credit Strong2.8
Sequin CardN/A


The right credit building app for you will vary based on your situation. 

You might have the funds to make a deposit on a secured card. Or, you might decide that a small monthly payment fits your financial picture better.

Alternatively, you may want a way to get credit for purchases you are already making. 

After exploring your credit needs, the right app for you should jump out more easily. Regardless of your choice, you’ll be on the road to improving your credit quickly.