Best L Credit Apps

248+ iOS apps curated and reviewed

4.1 avg rating
20 free apps
Updated August 2026

With an average user rating of 4.1★, the l credit category is one of the App Store's strongest. Browse all 248+ apps we track, sorted so the most loved ones surface first.

Compare top L Credit Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1eLendlyeLendlyFree2.2★ (49)NoNoSep 2026
2Ohere CreditOhere CreditFree3.7★ (3)NoNoAug 2026
3Quick Loan - Credit Cash CalcQuick Loan - Credit Cash CalcFreeYesNoAug 2026
4FairMoney: Save, Spend, CreditFairMoney: Save, Spend, CreditFree4.6★ (14K)NoNoSep 2026
5Carbon: Mobile Banking & LoansCarbon: Mobile Banking & LoansFree4.5★ (10K)NoNoSep 2026
6Bright: Loans & Credit BuilderBright: Loans & Credit BuilderFree4.8★ (258K)YesNoSep 2026
7Big Loan PH Online Utang CashBig Loan PH Online Utang CashFreeNoNoSep 2026
8Borrow & Cash Advance AppBorrow & Cash Advance AppFreeYesNoSep 2026

Top Picks for L Credit

eLendly#1

eLendly by Elendly Limited

Gift, Lend, Borrow and Invest
Editor's Choice
💰 Finance
2.2(49 ratings)
Free
eLendly screenshot 1
eLendly screenshot 2
eLendly screenshot 3
eLendly screenshot 4
eLendly screenshot 5

Manage your financial life by automating subscriptions, lending and borrowing with friends, and tracking your overall finances. This app provides a centralized platform for personal financial management.

Ohere Credit#2

Ohere Credit by Ether Labs

Build credit with your card
Strong Contender
💰 Finance
3.7(3 ratings)
Free
Ohere Credit screenshot 1
Ohere Credit screenshot 2
Ohere Credit screenshot 3
Ohere Credit screenshot 4
Ohere Credit screenshot 5
Ohere Credit screenshot 6

Access fairer credit, build a credit score, and manage repayments with greater control. Apply for credit, get approved for a card with a starting limit, and spend now to repay later. Extend due dates for a fee and track your credit score to grow your limit.

More L Credit apps to explore

4
FairMoney: Save, Spend, Credit
FairMoney: Save, Spend, Credit
FairMoney: Save, Spend, Credit
Instant Loan App For Fast Cash
Free

This app provides instant cash loans and flexible repayment plans for individuals and businesses. It also offers savings features with high interest rates and a secure ATM card for seamless transactions. Enjoy transparent financial services with no hidden charges.

Instant cash loans up to NGN 3,000,000Flexible repayment plans (30-180 days)Savings with up to 30% interest
💰 Finance
(14K)
free
5
Carbon: Mobile Banking & Loans
Carbon: Mobile Banking & Loans
Carbon: Mobile Banking & Loans
Save Money|Transfers| Loans
Free

Manage your finances with a digital bank offering easy money management, high-interest savings, accessible loans, and a buy now, pay later option. Enjoy secure banking with real-time alerts and a customizable debit card.

High-interest savings accountsAccessible instant loansBuy Now, Pay Later (0% interest)
💰 Finance
(10K)
free with in-app purchases
6
Bright: Loans & Credit Builder
Bright: Loans & Credit Builder
Bright: Loans & Credit Builder
AI Loan Asst > Credit & Loans
Free

Access cash advances up to $750 with no credit check and no interest. Explore loan offers up to $10,000 with no score impact. Rebuild your credit history through on-time payments and rent reporting, and receive AI-driven budgeting and debt-payoff plans.

Cash advance up to $750Loan offers up to $10,000Credit history rebuilding
💰 Finance
(258K)
subscription
7
Big Loan PH Online Utang Cash
Big Loan PH Online Utang Cash
Big Loan PH Online Utang Cash
Peso Lending App Philippines
Free
💰 Finance
(0)
8
Borrow & Cash Advance App
Borrow & Cash Advance App
Borrow & Cash Advance App
Loans Between Paydays Fast
Free
💰 Finance
(0)
9
L&N Credit Card
L&N Credit Card
L&N Credit Card
by L & N FEDERAL CREDIT UNION
Free
💰 Finance
(0)
10
Credit Wallet
Credit Wallet
Credit Wallet
by Princeps Credit Systems Limited
Free

Access flexible loan products designed for employees through employer partnerships. Manage your finances with repayment options ranging from 2 to 12 months and competitive interest rates. Secure your personal information with robust data protection measures.

Employee loan accessFlexible repayment termsCompetitive interest rates
💰 Finance
(7)
free
11
Lexington Law - Credit Repair
Lexington Law - Credit Repair
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.

Personalized credit repairChallenge inaccurate negative itemsReal-time progress updates
💰 Finance
(109K)
free with in-app purchases
12
Credit Stone
Credit Stone
Credit Stone
by Credit Stone FZE
Free
💰 Finance
(0)
13
Dispute Beast: DIY Credit + AI
Dispute Beast: DIY Credit + AI
Dispute Beast: DIY Credit + AI
AI-Powered Credit Repair App
Free

This AI-powered finance app empowers users to take control of their credit repair journey. It identifies negative items on credit reports, generates dispute letters, and facilitates mailing them to credit bureaus. Get personalized guidance and track your progress towards a better financial future.

AI-powered credit report analysisAutomated dispute letter generationIn-app mailing service
💰 Finance
(43)
ad-supported
14
Self - Credit Builder & Cards
Self - Credit Builder & Cards
Self - Credit Builder & Cards
Build credit for a credit card
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.

Build credit and savings togetherCash advances up to $100Secured Visa credit card with no credit check
💰 Finance
(327K)
free with in-app purchases
15
Vera Credit
Vera Credit
Vera Credit
Flexible credit, your control
Free

This financial app offers flexible credit options and empowers users with control over their spending. It provides transparent terms, customizable rewards, and modern management tools for a personalized credit experience.

Flexible rewards optionsTransparent terms and feesInstant wallet access
💰 Finance
(3)
free
16
NEW CREDIT INC
NEW CREDIT INC
NEW CREDIT INC
NEW CREDIT INC
Free

This app helps users dispute negative items on their credit reports. It works with credit bureaus and creditors to challenge inaccuracies that impact credit scores.

Challenge negative credit report itemsWork with credit bureausWork with creditors
🛍️ Shopping
(1)
free
17
Arcane: Build Credit. Quick.
Arcane: Build Credit. Quick.
Arcane: Build Credit. Quick.
Grow & Track Your Credit Score
Free

Build your credit score by reporting rent and bill payments. Securely link your bank account to automatically detect eligible expenses. Accelerate progress with past payment history reporting for a one-time fee.

Report rent and bill paymentsNo credit check requiredSecure bank account linking
💰 Finance
(4)
free with in-app purchases
18
LCE Visa Credit Card
LCE Visa Credit Card
LCE Visa Credit Card
by L C E Federal Credit Union
Free
💰 Finance
(0)
19
Ryezing
Ryezing
Ryezing
by Ryezing
Free
💰 Finance
(0)
20
605b.ai: Dispute Credit Report
605b.ai: Dispute Credit Report
605b.ai: Dispute Credit Report
Identity Theft & FCRA Letters
Free

This app helps you dispute inaccuracies on your credit report. Upload your report, and AI will identify issues with legal citations. Generate dispute letters and track your progress.

Upload credit report PDFAI analysis with citationsFCRA-cited dispute letters
💰 Finance
(4)
free with in-app purchases

FAQ about L Credit

What are the best l credit apps for iPhone?
eLendly tops our l credit apps ranking as of August 2026, with a 2.2-star average from 49 App Store ratings, and it's free to download.
Yes — 20 of the top l credit apps we rank are free to download, including eLendly and Ohere Credit.
eLendly has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 248+ l credit apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
eLendly is designed for finance management. While specific security protocols are not detailed, users should always practice safe financial habits and be cautious when sharing sensitive information.
The provided data does not specify which financial institutions eLendly supports for transaction tracking or automation. Users may need to explore the app directly for this information.