Best Net Credit Apps

226+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated June 2026

Whether you're new to net credit or looking for an upgrade, our curated collection of 226+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Top Picks for Net Credit

NET Credit Union#1

NET Credit Union by NET Federal Credit Union

Editor's Choice
๐Ÿ’ฐ Finance
4.9๐Ÿ˜Š(3K ratings)
FreeAds
NET Credit Union screenshot 1
NET Credit Union screenshot 2
NET Credit Union screenshot 3
NET Credit Union screenshot 4
NET Credit Union screenshot 5
NET Credit Union screenshot 6

Manage your NET Credit Union accounts conveniently from your mobile device. View balances, deposit checks, transfer funds, pay bills, and locate ATMs. Secure login options include Face ID and Touch ID.

What We Love

  • ๐Ÿ‘ Helpful and friendly staff
  • ๐Ÿ‘ Reliable and accommodating service
  • ๐Ÿ‘ Convenient banking experience
  • ๐Ÿ‘ Positive customer relationships

Room to Improve

  • ๐Ÿ› Issues with checking account fees and availability
  • ๐Ÿ› Occasional app glitches and login problems
Upstart: Personal Loans + More#2

Upstart: Personal Loans + More by Upstart Network, Inc.

Helping you borrow, better.
Strong Contender
๐Ÿ’ฐ Finance
4.9๐Ÿ˜ž(35K ratings)
Free
#73in Finance
Upstart: Personal Loans + More screenshot 1
Upstart: Personal Loans + More screenshot 2
Upstart: Personal Loans + More screenshot 3
Upstart: Personal Loans + More screenshot 4
Upstart: Personal Loans + More screenshot 5

Access funds quickly with a transparent and simple borrowing process. Check your rate in minutes without impacting your credit score. Apply for fixed-rate loans from $500 to $75,000 for various needs.

What We Love

  • ๐Ÿ‘ Easy to use
  • ๐Ÿ‘ Convenient app
  • ๐Ÿ‘ Quick loan approval
  • ๐Ÿš€ Fast loan disbursement

Room to Improve

  • ๐Ÿ› Login issues
  • ๐Ÿ’ฐ High interest rates
  • ๐Ÿ•ฐ๏ธ Slow payment processing
OneMain#3

OneMain by One Main Financial

Personal & Auto Loans
Worth Considering
๐Ÿ’ฐ Finance
4.8๐Ÿ˜(77K ratings)
Free
OneMain screenshot 1
OneMain screenshot 2
OneMain screenshot 3
OneMain screenshot 4
OneMain screenshot 5
OneMain screenshot 6

Manage your personal or auto loan on the go. Make payments, set up automatic payments, and receive paperless statements and alerts. You can also monitor your credit score and track your spending to potentially save money.

What We Love

  • ๐Ÿ‘ User-friendly app
  • ๐Ÿš€ Convenient payment processing
  • ๐Ÿ’ก Helpful customer service
  • ๐Ÿค Great company overall

Room to Improve

  • ๐Ÿ› Buggy app updates
  • ๐Ÿ”’ Security issues with password entry
  • ๐Ÿ’ฐ Predatory lending practices

More Net Credit apps to explore

4
Intuit Credit Karma
Intuit Credit Karma
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.

Connect accounts for spending insightsMonitor credit score changesCompare loan and insurance offers
๐Ÿ’ฐ Finance
(7.7M)
free with in-app purchases
5
Net Pay Advance
Net Pay Advance
Net Pay Advance
Simple, Secure, Trusted.
Free

Manage your account, check balances, and make payments for short-term financial needs. Access your account anytime, anywhere to handle unexpected bills or emergency expenses securely and conveniently.

Manage accountUpdate profileCheck balance
๐Ÿ’ฐ Finance
(80)
free
6
Experianยฎ
Experianยฎ
Experianยฎ
Control Your Credit & Finances
Free

Access your credit report and FICO Score for free, and potentially improve your score by using bills you already pay. Get alerts for credit changes and compare financial products. A paid membership offers bill negotiation and subscription cancellation services.

Free credit report and FICO ScoreExperian Boost to raise FICO ScoreCredit monitoring and alerts
๐Ÿ’ฐ Finance
(2.7M)
free with in-app purchases
7
Dave: Credit, Cash & Money App
Dave: Credit, Cash & Money App
Dave: Credit, Cash & Money App
Better Than A Cash Advance
Free

Access up to $500 in minutes without a credit check or interest. Get paid up to two days early, avoid pesky fees, and save effortlessly with dedicated savings accounts. This app offers financial management tools to help you reach your goals.

Up to $500 cash advanceNo credit check or interest on advancesGet paid up to 2 days early
๐Ÿ’ฐ Finance
(847K)
freemium
8
Cash App
Cash App
Cash App
P2P. BTC. Debit Card. Wallet.
Free

Easily send and receive money or bitcoin instantly. Save by rounding up change, invest in stocks or bitcoin, and get paid up to two days early with direct deposit. Features a customizable debit card with exclusive discounts.

Send & receive money/bitcoin instantlyRound up spare change to saveInvest in stocks, ETFs, and bitcoin
๐Ÿ’ฐ Finance
(8.5M)
free with in-app purchases
9
OnePay โ€“ Mobile Banking
OnePay โ€“ Mobile Banking
OnePay โ€“ Mobile Banking
Bank. Borrow. Build Credit.
Free

Manage your finances with a mobile banking solution offering early pay, rewards, and high-yield savings. Access a cash rewards credit card, affordable wireless plans, and a credit builder loan. Buy now, pay later options are also available.

Early pay and rewardsHigh-yield savings accountsCash back credit card
๐Ÿ’ฐ Finance
(354K)
free with in-app purchases
10
Possible: Fast Cash & Credit
Possible: Fast Cash & Credit
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.

Borrow up to $500 instantlyNo late or penalty feesPay over time in 4 installments
๐Ÿ’ฐ Finance
(133K)
free with in-app purchases
11
Chimeยฎ โ€“ Mobile Banking
Chimeยฎ โ€“ Mobile Banking
Chimeยฎ โ€“ Mobile Banking
Save, Spend, Build Credit
Free

Manage your finances with tools for early payday access, fee-free overdraft protection, and credit building. This app offers a checking account with fee-free cash deposits and ATMs, plus automatic savings features and 24/7 support.

Early payday accessFee-free overdraft protectionCredit building tools
๐Ÿ’ฐ Finance
(1.5M)
free with in-app purchases
12
Atlas - Rewards Credit Card
Atlas - Rewards Credit Card
Atlas - Rewards Credit Card
Earn cash back. Build credit.
Free

This app offers a rewards credit card designed for easy approval, even without credit history. It helps users build credit, save money with automatic discounts, and manage their finances securely with features like auto-pay and fraud protection.

High approval ratesBuild credit historyAutomatic savings up to 10%
๐Ÿ’ฐ Finance
(231K)
free with in-app purchases
13
Kikoff โ€“ย Build Credit Quickly
Kikoff โ€“ย Build Credit Quickly
Kikoff โ€“ย 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
๐Ÿ’ฐ Finance
(252K)
free with in-app purchases
14
Brigit: Cash Advance & Credit
Brigit: Cash Advance & Credit
Brigit: Cash Advance & Credit
Money, Saving & Budgeting App
Free

Access fast cash advances, build credit history without a card, and manage your finances with smart budgeting tools. Get personalized loan offers, earn extra money, and protect your identity. Offers free financial insights and paid plans for enhanced features.

Instant cash advances up to $500Build credit history with on-time paymentsPersonal loan offers from partners
๐Ÿ’ฐ Finance
(509K)
free with in-app purchases
15
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Shop anywhere, manage & save
Free

Shop anywhere with flexible payment options, including interest-free installments and pay-in-30-days. Earn cashback, compare prices, track deliveries, and manage returns easily. Also offers mobile phone service.

Flexible payment optionsInterest-free installmentsUp to 10% cashback
๐Ÿ’ฐ Finance
(2.2M)
free with in-app purchases
16
Self โ€“ Credit Builder & Cash
Self โ€“ Credit Builder & Cash
Self โ€“ 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.

Build credit and savings togetherCash advances up to $100Secured Visa credit card with no credit check
๐Ÿ’ฐ Finance
(316K)
free with in-app purchases
17
LendingTree Spring
LendingTree Spring
LendingTree Spring
Loans, credit score and more
Free

Manage your finances with free credit score updates, personalized saving insights, and easy comparison of loans and credit cards. Stay protected with credit monitoring alerts and expert advice to improve your financial health.

Free credit score updates and alertsPersonalized saving insightsLoan and credit card shopping
๐Ÿ’ฐ Finance
(38K)
free with in-app purchases
18
True Finance: Cash Advance
True Finance: Cash Advance
True Finance: Cash Advance
Get, Earn, and Save Money
Free

Access instant cash advances, manage your budget with smart tools, and track your credit score. Earn extra income by playing games or taking surveys. Explore financial products from trusted partners.

Instant cash advances up to $150Smart budgeting and spending trackerEarn rewards by playing games and surveys
๐Ÿ’ฐ Finance
(43K)
subscription
19
Tilt: Cash Advance & Credit
Tilt: Cash Advance & Credit
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.

Cash advances up to $400Lines of credit up to $1,000Credit cards with cash back rewards
๐Ÿ’ฐ Finance
(446K)
subscription
20
FloatMe: Fast Cash Advance App
FloatMe: Fast Cash Advance App
FloatMe: Fast Cash Advance App
Borrow Money Between Paychecks
Free

Access quick cash advances to cover bills and expenses between paychecks. This app offers money management tools, low balance alerts, and a marketplace for earning opportunities. Securely connect your bank account for seamless transactions.

Cash advances up to $50No credit checks or interestCash flow calendar
๐Ÿ’ฐ Finance
(144K)
subscription

Related searches