Best Is There An App For Universal Credit

227+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated June 2026

Every iPhone needs a few good is there an app for universal credit apps. We benchmark 227+ of them on App Store rating, freshness, and pricing, then surface the standouts so you don't have to scroll the App Store yourself.

Top Picks for Is There An App For Universal Credit

Arro: Build & Grow Credit#1

Arro: Build & Grow Credit by ArroFi Inc.

Cash Back Credit Builder Card
Editor's Choice
💰 Finance
4.6😐(1.7K ratings)
FreeAds
Arro: Build & Grow Credit screenshot 1
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Arro: Build & Grow Credit screenshot 6

Build your credit score and earn cash back rewards with this credit builder card. Start with a credit limit up to $300 and grow it to $2,500. Get personalized financial guidance from an AI coach and track your progress with real-time updates.

What We Love

  • 👍 Helpful for building credit
  • 🚀 Seamless financial experience
  • 💡 Gamified learning about credit
  • 🚀 Instant credit limit increases

Room to Improve

  • 🐛 App issues (loading, freezing, bugs)
  • 🐛 Virtual card not working
  • 🐛 Rewards/credit limit issues
Citi Mobile®#2

Citi Mobile® by Citibank, N.A.

A Banking App Designed for You
Strong Contender
💰 Finance
4.9😐(3.9M ratings)
FreeAds
#18in Finance
Citi Mobile® screenshot 1
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Manage your banking and finances with a comprehensive mobile app. Open accounts, deposit checks, pay bills, and track spending. Securely access your accounts and manage your cards with features like card locking and PIN resets.

What We Love

  • 💳 Convenient credit card management
  • 🤑 Rewards and promotional offers
  • 🔒 Secure transactions
  • 🤖 Helpful customer service (for some)

Room to Improve

  • 🐛 Technical issues with the app
  • 🤖 Poor customer service (for others)
  • 🔒 Security concerns with account access
UW Credit Union#3
4.7😐(5.7K ratings)
FreeAds
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Manage your finances on the go with this comprehensive banking application. View account balances, transfer funds, pay bills, deposit checks, and control your cards securely. It offers tools for smart money management, including credit score tracking and spending analysis.

What We Love

  • 🚀 Excellent mobile banking experience
  • 👍 Easy to use and intuitive app
  • 🔒 Secure and reliable
  • 💳 Convenient features like mobile deposit and Zelle

Room to Improve

  • 🐛 Frequent app crashes and freezes
  • ⏱️ Slow loading times and performance issues
  • 🔍 Difficulty finding certain features or settings

More Is There An App For Universal Credit apps to explore

4
Credit Sesame: Grow Your Score
Credit Sesame: Grow Your Score
Credit Sesame: Grow Your Score
Manage, Track & Build Credit
Free

This app helps you manage and improve your credit score and overall financial health. It provides tools to track your credit, understand its impact, and find personalized offers for financial products. It aims to empower users to make smarter financial decisions and achieve their credit goals.

Free credit score checksCredit report summariesFree credit alerts
💰 Finance
(437K)
freemium
5
Aven Advisor: Credit Check App
Aven Advisor: Credit Check App
Aven Advisor: Credit Check App
Financial Advisor
Free

This app helps you understand your financial health by checking your credit score, monitoring home equity, and tracking spending. It also provides personalized loan offers and opportunities to win prizes.

Credit score monitoringHome equity trackingSpending analysis
💰 Finance
(3.8K)
free with in-app purchases
6
UVA Community CU Mobile App
UVA Community CU Mobile App
UVA Community CU Mobile App
by University of Virginia Community Credit Union, Inc.
Free

Securely manage your credit union accounts on the go. Transfer funds, view balances and transactions, pay bills, and locate ATMs or branches. Get started easily with your existing online banking credentials.

Review account balances and transaction historySchedule and pay billsTransfer funds between accounts
💰 Finance
(1.3K)
free
7
Navy Federal Credit Union
Navy Federal Credit Union
Navy Federal Credit Union
Our Members are the Mission
Free

Manage your finances on the go with this banking app. Easily check accounts, make payments, transfer funds, and deposit checks. Securely sign in and find nearby branches or ATMs. Apply for new accounts and loans, or manage your cards.

Account managementBill paymentsFund transfers
💰 Finance
(815K)
free
8
Elan Credit Card
Elan Credit Card
Elan Credit Card
by Elan Financial Services
Free

Manage your credit card account conveniently on the go. Securely log in, view your balance and transactions, make payments, and control card access. Receive timely alerts for added security and account management.

Secure login with username/password, fingerprint, or Face IDView account balance, transactions, and available creditMake one-time payments and set up AutoPay
💰 Finance
(187K)
free
9
Zable Credit Card
Zable Credit Card
Zable Credit Card
Simple & flexible credit card
Free

Manage your credit card with ease. This app lets you set your PIN, lock your card, and track all your transactions and payments. Apply for a new card directly through the website.

Set your PINLock your cardManage transactions
💰 Finance
(388)
free
10
Money App - Cash Advance
Money App - Cash Advance
Money App - Cash Advance
by PRG Ventures, Inc.
Free

Access your earned wages early to cover immediate expenses like groceries, gas, and bills. This service allows you to get cash before your payday without interest, credit checks, or hidden fees. Repayment is automatic via payroll deduction or linked bank account.

Access earned wages earlyNo interest or credit checksNo late or hidden fees
💰 Finance
(24K)
free with in-app purchases
11
UNIFY Financial Credit Union
UNIFY Financial Credit Union
UNIFY Financial Credit Union
by UNIFY Financial Credit Union
Free

Manage your credit union accounts on the go. Open new accounts, transfer funds, deposit checks, and manage your debit cards. Securely message the credit union and set up electronic alerts for important account activity.

Create new accountsSet up transfersDeposit checks with eDeposits
💰 Finance
(8.8K)
free
12
CAMPUS USA Credit Union
CAMPUS USA Credit Union
CAMPUS USA Credit Union
by Campus USA Credit Union
Free

Manage your finances on the go with secure and easy access to your accounts. View balances, pay bills, transfer funds, deposit checks, and apply for loans. The app offers budgeting tools and customizable alerts for a comprehensive financial overview.

Account balance and transaction viewingBill pay and fund transfersMobile check deposit
💰 Finance
(4.9K)
free
13
UFCU Mobile
UFCU Mobile
UFCU Mobile
by University Federal Credit Union
Free

Manage your UFCU accounts securely and conveniently from your mobile device. Access real-time balances, make deposits, transfer funds, and pay bills with advanced security features like Face ID and PIN login.

Card activation and managementReal-time balance and transaction historyMobile check deposit
💰 Finance
(21K)
free
14
Kikoff – Build Credit Quickly
Kikoff – Build Credit Quickly
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.

Build credit quicklyReports to Equifax, Experian, TransUnionPlans starting at $5/month
💰 Finance
(253K)
free with in-app purchases
15
ORNL Federal Credit Union
ORNL Federal Credit Union
ORNL Federal Credit Union
by ORNL Federal Credit Union
Free

Manage your finances on the go with this mobile banking application. View transactions, transfer funds, pay bills, and deposit checks conveniently from your device. It offers secure access and essential features for everyday banking needs.

Biometric loginView account balances and historyTransfer funds and make loan payments
💰 Finance
(21K)
free
16
Boost Money: Cash and Credit
Boost Money: Cash and Credit
Boost Money: Cash and Credit
Spend, Save, Build Credit
Free

This app helps you build credit, grow savings, and access cash advances to bridge the gap between paydays. It offers interest-free cash advances, credit building through responsible card use, and competitive APY on savings.

Interest-free cash advances up to $500Build credit with secured cardHigh APY on savings balances
💰 Finance
(37)
freemium
17
Credit Acceptance Mobile
Credit Acceptance Mobile
Credit Acceptance Mobile
Secure, on-the-go car payments
Free

Easily manage your car loan account and make secure payments from your mobile device. Schedule one-time or recurring payments, view your balance, and receive important account updates through push notifications and text alerts.

Secure login with fingerprint/face IDSchedule one-time paymentsSet up recurring payments
💰 Finance
(3.9K)
free with in-app purchases
18
Firstmark Credit Union
Firstmark Credit Union
Firstmark Credit Union
by Firstmark Credit Union
Free

Manage your finances on the go with this banking app. Securely access your accounts, transfer funds, pay bills, and deposit checks. It also offers features for loan applications, card controls, and finding nearby financial centers.

Secure login (Touch ID/facial recognition)View account activity and balancesFund transfers
💰 Finance
(11K)
free
19
AmeriCU Credit Union
AmeriCU Credit Union
AmeriCU Credit Union
by AmeriCU Credit Union
Free

Manage your finances on the go with this mobile banking app. View balances, transfer funds, deposit checks, pay bills, and track your credit score. Business members also benefit from cash management tools.

View account balances and transactionsTransfer funds between accountsMobile check deposit
💰 Finance
(8.5K)
free
20
Insight Credit Union
Insight Credit Union
Insight Credit Union
by Insight Credit Union
Free

Manage your finances conveniently and securely. This app allows you to deposit checks, transfer funds, monitor your credit score, and track your income and spending. It also provides tools for budgeting and setting financial goals.

Account managementMobile check depositZelle money transfers
💰 Finance
(3.9K)
free