Best Upgrade Credit Apps

4.9😐(84K ratings)

Free

Manage your finances with a comprehensive mobile banking app. Access rewards checking, loans, and cards. Track balances, pay bills, monitor credit, and request cash advances.

What We Love

🚀 Excellent, easy-to-use app
🔒 Robust fraud prevention
💰 Competitive interest rates and rewards
👍 Seamless account management
🏆 Helpful in improving credit and consolidating debt

Room to Improve

🐛 Inconsistent account updates and transaction history
🤔 Unclear policies around credit limit changes
❌ Poor customer service and unresponsive to issues
💳 Card usage issues and unexpected account suspensions
🕰️ Slow processing of payments and deposits

Boost Money: Fast Cash Advance by Upgrade, Inc.

Spend, Save, Build Credit*

Strong Contender

4.1(249 ratings)

Free

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Access cash advances between paydays, build credit history with responsible card use, and grow savings with competitive interest rates. Premium subscription offers enhanced features and higher APY on savings.

Lexington Law - Credit Repair by Progrexion, IP

Credit Repair, Score & Reports

Worth Considering

Your scores, reports & offers

4.8😐(113K ratings)

FreeAds

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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.

What We Love

🚀 Removed negative items
🚀 Improved credit scores
👍 Helpful and professional staff
👍 Comprehensive credit repair services

Room to Improve

🐛 Slow progress or no results
💰 Expensive monthly fees
🔒 Difficult to cancel or get refunds
🤖 Automated/impersonal service

More Upgrade Credit apps to explore

TransUnion®

Free credit scoresFree credit reportsFree credit monitoring

Access your free credit scores and reports, monitor your credit for changes, and receive personalized offers based on your credit profile. Understand your credit health and plan for your financial future with daily refreshes and alerts.

Credit repair on the go

Self - Credit Builder & Cards

(0)

Secured Card & Score Tracker

Secured Self Visa® Credit Card with no credit checkCredit Builder Account to improve credit scoreReport rent, utility, and cell phone payments

Build credit and grow savings with a secured credit card or credit builder account. This tool helps establish better financial habits and offers a path to credit with no initial credit check. Report rent, utility, and cell phone payments to credit bureaus.

(339K)

Your credit score, simplified

Capital One CreditWise

Free FICO® Score 8 accessTransUnion® credit report accessDark web alerts for identity theft

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.

Ava: Build Credit Fast

Save Money with Lower Interest

Build positive credit historyImprove credit scoreCredit builder card

Build a stronger financial future by establishing positive credit history. This app offers an easy and transparent way to improve your credit score, with features like a credit builder card and a savings account designed to boost your credit profile. Get started in minutes and track your progress with free credit reports.

(51K)

Credit Rating and Credit Check

Prefect your credit rating

Credit score components explainedUnderstanding credit historyHow to get credit reports

Learn how to understand and improve your credit score. This app explains credit score components, credit history's influence, and how to obtain and interpret credit reports. Discover tools to repair and fix your credit.

Pay Phone Bills & Build Credit

Build credit using subscriptionsNo prior credit history requiredReports to all three credit bureaus

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.

(10K)

Start your credit journey

myEquifax

Monthly Equifax credit report updatesFree credit score trackingAI-powered credit improvement plan

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.

(53K)

Credit Tracking

Customer Monitoring Hub

Monitor credit score progressTrack disputed itemsView item deletions

Monitor your credit restoration progress, including credit score changes, disputed items, and deletions. Easily submit essential documents and messages to manage your credit journey.

💼 Business

(130)

Boom - Build credit with rent.

Build & track your credit.

Report rent payments to credit bureausBuild credit historyTrack credit score progress

This app helps renters build and track their credit history by reporting rent payments to all three major credit bureaus. Users can report ongoing and past rent payments, and monitor their credit score progress within the app. It offers a quick enrollment process and prioritizes data security.

(1.3K)

Dave: Credit, Cash & Money App

Get Paid Early, No Hidden Fees

Up to $500 cash advanceNo credit check or interest on advancesGet paid up to 2 days early

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.

Kovo - Fast Credit Builder

(933K)

freemium

Grow Your Score & Earn Rewards

No credit check requiredReported to all 4 credit bureausEarn cash rewards

Build your credit score effortlessly with this finance app. It offers a credit builder program with no credit checks or hidden fees, reporting to all four major bureaus. Users can also earn cash rewards and access credit protection services.

(14K)

NinjaCard® – Banking & Credit

Banking + Credit Access

Revolving line of creditAccess cash on demandNext business day funding

Access a revolving line of credit for flexible borrowing and build your credit history. Manage your account, get cash on demand, and make easy repayments directly from your mobile device.

(562)

Upgrade Home for Contractors

by Upgrade, Inc.

Flexible customer payment optionsContractor Cash RewardsCompetitive fees and approval rates

This app helps contractors grow their business by offering flexible payment options to customers. It provides rewards, competitive fees, and credit availability, while customers benefit from an easier application process and no punitive interest.

(11)

Secure, on-the-go car payments

Credit Acceptance Mobile

Secure login with fingerprint/face IDSchedule one-time paymentsSet up recurring payments

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.

(4.9K)