Best Bad Credit Number Apps & Games

Perpay - Shop and Build Credit

Shop, pay later, build credit

Free

Access up to $1,000 to shop for various goods and pay over time with no interest or fees. Build your credit history by reporting your payment activity to credit bureaus. Apply for a credit card with rewards and no annual fee.

Build Credit & Fix It: Dovly

Build credit & boost score

Free

This app uses AI-powered tools to help you build and improve your credit score. It can dispute inaccurate items on your credit report, provide personalized tips, and offer credit lock protection. Achieve your financial goals faster with a stronger credit profile.

Vola: Cash Advance & Credit

Improve Credit health & Save

Free

Access instant cash advances up to $500 with no interest or credit checks. Build your credit score by reporting rent payments and track your financial health with budgeting tools. Take control of your finances with this all-in-one financial management app.

Kikoff – Build Credit Quickly

Grow & Track Your Credit

Free

Build credit quickly and effectively with this app. It reports your on-time payments to major credit bureaus, helping to improve your credit score. Offers plans starting at $5 per month with no credit checks or interest.

Lexington Law - Credit Repair

Credit Repair, Score & Reports

Free

This app helps individuals improve their credit by challenging inaccurate negative items on their credit reports. It offers personalized credit repair, real-time updates on progress, and insights into credit scores. Users can monitor their credit 24/7 and receive alerts on profile changes.

Self – Credit Builder & Cash

Build credit or get cash now.

Free

Build your credit history and savings simultaneously with tools designed to improve your financial wellness. Access quick cash advances for unexpected expenses without a credit check. Report rent and utility payments to boost your score.

Seen Mobile - Build Credit

Spend, Track & Build Credit

Free

Manage your credit card account, track spending, and build your credit history. This app helps you establish or repair credit by reporting your payment activity to major credit bureaus. Take control of your finances with features like digital card access, autopay, and card locking.

Possible: Fast Cash & Credit

Borrow money, loans, advances

Free

Access quick cash advances and build your credit history with a loan that offers no late fees and flexible repayment options. Borrow up to $500 instantly, even with bad or no credit, and receive funds directly to your bank account.

Ava: Build Credit Fast

Save Money with Lower Interest

Free

Build a positive credit history and potentially improve your credit score with this app. It offers tools like a credit builder card and a savings account to help you manage bills and establish a credit profile. Get started quickly with transparent pricing and free monthly credit reports.

Capital One CreditWise

Your credit score, simplified

Free

Monitor your credit score and report for free. Get alerts for suspicious activity, understand factors affecting your score, and simulate financial decisions to see their potential impact. Tools are provided to help you manage and improve your credit health.

Grow Credit

Pay Phone Bills & Build Credit

Free

Build credit history for free by using your existing subscriptions. This app helps you establish a credit score on all three major bureaus without requiring prior credit history. It offers various plans to suit your credit-building needs.

myEquifax

Start your credit journey

Free

Access your Equifax credit report and score updates monthly at no cost. Track your progress, set goals, and receive personalized AI-driven insights to improve your credit. Optional paid plans offer enhanced credit monitoring and identity protection.

Credit.com

Credit Score and Grades

Free

Manage your credit with a redesigned interface. Check your credit score and report summary for free, track factors affecting your credit, and receive personalized insights to improve your financial future. Monitor score changes and get actionable steps for improvement, all while protecting your data.

Tilt: Cash Advance & Credit

Cash Advance, Credit Cards

Free

Access cash and credit through advances, lines of credit, and credit cards. The app evaluates real-time income and spending to determine eligibility, offering options without traditional credit checks. It also provides credit score monitoring and automated savings features.

Intuit Credit Karma

Your personal money app

Free

Manage your finances, monitor your credit, and explore personalized offers for loans and insurance. Simplify tax filing and access banking services. Premium features offer enhanced identity protection and bill negotiation.

WalletHub: Credit & Budgeting

Improve Credit, Budget & Save

Free

This app provides free daily credit scores and reports, along with budgeting tools and a personalized plan to improve your financial health. It helps you track spending, manage debt, and find better deals on financial products.

Nav Business Credit Builder

Business credit and funding

Free

This platform consolidates your business and personal credit profiles from major bureaus into a single dashboard. It helps you track credit data, monitor cash flow, and explore financing options. Users can also access tools for credit building and bookkeeping.