Best Bad Credit Apps & Games

Seen Mobile - Build Credit

Spend, Track & Build Credit

Free

Build credit with ease using Seen Mobile. Track your spending, boost your credit score, and take control of your financial health. Start your journey to better credit today!

Arro: Build & Grow Credit

Cash Back Credit Builder Card

Free

Access credit and build your financial future with Arro. Apply for a credit card in under 5 minutes, regardless of your credit score. Use the virtual card instantly while waiting for the physical one to arrive, and start managing your finances efficiently.

Petal Card

The Future of Credit

Free

This application offers two credit cards - PETAL 1 for improving credit scores with no annual fee and PETAL 2, an advanced card with cash back benefits and no fees. Both cards provide cash back offers, budget management tools, and report to credit bureaus without requiring previous credit history.

Kikoff – Build Credit Quickly

Grow & Track Your Credit

Free

Build credit quickly with Kikoff: improve your credit score by 58 points on average. Choose from Basic or Premium plans, get a credit line reported to major bureaus, and watch your credit grow hassle-free. Sign up and start building credit effortlessly today.

Mission Lane Card

by Mission Lane LLC

Free

A financial management app offering credit card account management, bill payment, credit score tracking, access to customer service, FAQs, and credit education courses, all with enhanced security features like Touch ID and Face ID for seamless login. Start managing your finances effortlessly today!

OneMain

Personal & Auto Loans

Free

A personal finance management app that helps users track expenses, set budgets, and analyze spending patterns. Take control of your finances today and start making better financial decisions.

Self – Credit Builder & Cash

Build credit or get cash now.

Free

Track and manage your credit scores effortlessly with real-time updates and personalized insights. Take control of your financial health and make informed decisions today.

X1 Card

Smart Credit Card

Free

Experience a new level of convenience with our innovative smart credit card that offers high credit limits, points on every purchase, and no annual, foreign transaction, or late fees. Take control of your finances with the X1 Card app, where you can manage transactions, set limits, and earn bonus points easily. Apply now at x1.co to join the future of credit cards.

Ava: Build Credit Fast

Save Money with Lower Interest

Free

An application to rapidly build your credit history and improve your credit score, offering quick results in just weeks with a transparent pricing model starting at $6/month. Includes a Credit Builder Card for easy payments and lowering credit utilization, and a Secured Credit Building Account to report positive behavior to credit bureaus quickly.Unlock a better financial future with Ava.

Upstart: Personal Loans + More

Helping you borrow, better.

Free

An app that helps you manage personal loans efficiently: make payments, check loan status, set up recurring payments, access FAQs, contact support, and more. Existing customers can log in, while new loan applications can be made on the website. Borrow money with competitive rates, no prepayment fees, and flexible terms.

Build Credit & Fix It: Dovly

Build credit & boost score

Free

An AI-powered credit app that helps you repair, build, monitor, and protect your credit score for free. It offers credit monitoring, alerts, scores, and personalized tips, with over 3,000,000 total points increased. Join now to achieve major life milestones with better credit.

Beem: Cash Advance & Banking

Bank, Budget & Build Credit

Free

Get instant access to verified bank deposits and emergency funds with Beem. Subscribe for as low as $2.47/month to access features like early withdrawals, job loss protection, and more. Say goodbye to traditional cash advance apps and payday loans.

Possible: Fast Cash & Credit

Borrow money, loans, advances

Free

Possible: Fast Cash is a mobile app that provides quick and easy short-term loans to users in need of urgent financial assistance. Simply download the app, apply for a loan, and receive funds directly into your account within minutes.

Tilt: Cash Advance & Credit

Cash Advance, Credit Cards

Free

Access fast cash advances to bridge financial gaps with Empower. Get quick approvals, flexible repayment options, and funds deposited directly into your account. Take control of your finances today.

Grow Credit

Pay Phone Bills & Build Credit

Free

Help build your credit for free with an innovative application that uses your subscriptions to boost your credit score quickly across all major credit bureaus. By simply applying for a Grow MasterCard, linking your bank account, and adding subscriptions like Netflix and Spotify, you can start improving your creditworthiness without impacting your score. Start your journey to better financial opportunities today!

MoneyLion: Banking & Cash Back

Cashback rewards & Loan Offers

Free

A comprehensive and user-friendly finance management app that offers banking, investment, and budgeting tools all in one place, making it easy to stay on top of your financial health. Take control of your finances today with MoneyLion!