Best Xcredit Apps

221+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated June 2026

Out of 221+ xcredit apps on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Compare top Xcredit Apps (June 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Kredi โ€“ Loan, Savings & BillsKredi โ€“ Loan, Savings & BillsFree3.0โ˜… (120)NoNoAug 2026
2Carbon: Mobile Banking & LoansCarbon: Mobile Banking & LoansFree4.5โ˜… (10K)NoNoAug 2026
3FairMoney: Save, Spend, CreditFairMoney: Save, Spend, CreditFree4.6โ˜… (14K)NoNoAug 2026
4iMobile: Loan, Cards & BankingiMobile: Loan, Cards & BankingFree4.8โ˜… (66K)NoNoAug 2026
5LendingTree SpringLendingTree SpringFree4.8โ˜… (38K)NoNoAug 2026
6Kuda - Free transfer & paymentKuda - Free transfer & paymentFree4.7โ˜… (132K)NoNoAug 2026
7Credit Sesame: Grow Your ScoreCredit Sesame: Grow Your ScoreFree4.8โ˜… (436K)NoYesAug 2026
8Credit.comCredit.comFree4.7โ˜… (7.2K)YesNoAug 2026

Top Picks for Xcredit

Kredi โ€“ Loan, Savings & Bills#1

Kredi โ€“ Loan, Savings & Bills by KREDI MONEY MICROFINANCE BANK LIMITED

Save, pay bills, & get loan
Editor's Choice
๐Ÿ’ฐ Finance
3.0๐Ÿ˜(120 ratings)
Free
Kredi โ€“ Loan, Savings & Bills screenshot 1
Kredi โ€“ Loan, Savings & Bills screenshot 2
Kredi โ€“ Loan, Savings & Bills screenshot 3
Kredi โ€“ Loan, Savings & Bills screenshot 4
Kredi โ€“ Loan, Savings & Bills screenshot 5

Manage your finances with this all-in-one Nigerian finance app. It offers instant loans, automated savings with competitive interest rates, and seamless bill payments. You can also transfer money, receive payments, and get insurance for your devices and health.

What We Love

  • ๐Ÿš€ Fast and reliable services
  • ๐Ÿ‘ User-friendly interface
  • ๐Ÿ’ก Easy to use
  • โœ… Nice banking platform

Room to Improve

  • โŒ Invalid account errors
  • ๐Ÿ“‰ Loan eligibility issues
  • ๐Ÿšซ No customer care response
Carbon: Mobile Banking & Loans#2

Carbon: Mobile Banking & Loans by Carbon Finance and Investments Limited

Save Money|Transfers| Loans
Strong Contender
๐Ÿ’ฐ Finance
4.5๐Ÿ˜(10K ratings)
Free
Carbon: Mobile Banking & Loans screenshot 1
Carbon: Mobile Banking & Loans screenshot 2
Carbon: Mobile Banking & Loans screenshot 3
Carbon: Mobile Banking & Loans screenshot 4
Carbon: Mobile Banking & Loans screenshot 5
Carbon: Mobile Banking & Loans screenshot 6

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.

What We Love

  • ๐Ÿš€ Fast and reliable
  • ๐Ÿ’ก Great mobile banking app
  • ๐Ÿ‘ Awesome features
  • ๐ŸคŸ Best loan app

Room to Improve

  • ๐Ÿ› Frequent app crashes
  • ๐Ÿคฏ Poor customer service
  • ๐Ÿ’ธ High interest rates
FairMoney: Save, Spend, Credit#3

FairMoney: Save, Spend, Credit by FAIRMONEY MICROFINANCE BANK LIMITED

Instant Loan App For Fast Cash
Worth Considering
๐Ÿ’ฐ Finance
4.6๐Ÿ˜(14K ratings)
Free
FairMoney: Save, Spend, Credit screenshot 1
FairMoney: Save, Spend, Credit screenshot 2
FairMoney: Save, Spend, Credit screenshot 3
FairMoney: Save, Spend, Credit screenshot 4
FairMoney: Save, Spend, Credit screenshot 5
FairMoney: Save, Spend, Credit screenshot 6

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.

What We Love

  • ๐Ÿš€ Fast and easy loan process
  • ๐Ÿ‘ Reliable and trustworthy
  • ๐Ÿ’ฏ Smooth and seamless experience

Room to Improve

  • ๐Ÿ’ฐ High interest rates
  • ๐Ÿ” Inconsistent loan offers
  • ๐Ÿ“ž Aggressive repayment reminders

More Xcredit apps to explore

4
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
Loans, Cards, Payment & FASTag
Free

This banking app provides over 400 services, including loans, savings accounts, fund transfers, and card management. It allows users to manage investments, make payments, recharge services, and book travel. Features include budgeting tools, rewards, and 24/7 chatbot assistance.

Apply for various loans (Personal, Home, Car)Open digital savings accounts and fixed depositsManage debit, credit, and forex cards
๐Ÿ’ฐ Finance
(66K)
free
5
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
6
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Pay, save & invest money
Free

Manage your finances with a digital bank account. Easily make payments, save money with automated features, and invest in stocks. Enjoy free transfers and premium rewards.

Free bank account openingFree money transfersAutomated savings
๐Ÿ’ฐ Finance
(132K)
freemium
7
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
๐Ÿ’ฐ Finance
(436K)
freemium
8
Credit.com
Credit.com
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.

Free credit score and report summaryTrack credit score changesPersonalized insights for financial improvement
๐Ÿ’ฐ Finance
(7.2K)
free with in-app purchases
9
EasyLoans: Compare Loans
EasyLoans: Compare Loans
EasyLoans: Compare Loans
Compare and Discover Loans
Free

Easily compare a wide range of financial products including home, vehicle, personal, and business loans from various institutions. This platform helps you check eligibility, compare offers with interest rates and tenures, and even fill out loan applications online.

Compare Home LoansCompare Vehicle LoansCompare Personal Loans
๐Ÿ’ฐ Finance
(398)
free
10
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
11
mBanking
mBanking
mBanking
by UniCredit Bank SERBJA CJSC
Free

Manage your finances on the go with this banking app. Access accounts, make payments, transfer funds, and even withdraw cash without a card. Enjoy secure, fast access with biometric login and convenient features for everyday banking needs.

Biometric login (face/fingerprint)Account balance check without loginBill payments and shopping
๐Ÿ’ฐ Finance
(4.1K)
free
12
CreditRepair
CreditRepair
CreditRepair
by Creditrepair.com, Inc.
Free

Monitor your credit repair journey with a suite of tools designed to help you understand and improve your credit score. Track progress, view removed items, and manage creditor interventions directly from your mobile device.

Updated user interfaceBiometric loginCustomized dashboard
๐Ÿ’ฐ Finance
(11K)
ad-supported
13
CTFCU Mobile Banking
CTFCU Mobile Banking
CTFCU Mobile Banking
by Carolinas Telco Federal Credit Union
Free

Manage your personal finances with this secure and fast banking app. Open accounts, apply for loans, check balances, transfer funds, pay bills, and control your cards. Locate branches and ATMs, and easily contact customer service.

Open accountsApply for loansCheck balances
๐Ÿ’ฐ Finance
(5K)
free with in-app purchases
14
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
๐Ÿ’ฐ Finance
(109K)
free with in-app purchases
15
LOC Mobile
LOC Mobile
LOC Mobile
by LOC Credit Union
Free

Manage your finances on the go with this mobile banking app. Check balances, track spending, transfer funds, pay bills, and deposit checks. It also offers features like credit score monitoring and savings goal setting.

Check balances and transaction historyCategorize and track spendingTransfer funds between accounts
๐Ÿ’ฐ Finance
(3.8K)
free
16
Soarion CU
Soarion CU
Soarion CU
Mobile banking made easy
Free

Manage your finances conveniently with a modern mobile banking app. Access all your accounts, transfer funds, deposit checks, pay bills, and track your credit score securely. Apply for new products and manage your cards on the go.

Secure 24/7 accessView account balances and activityTransfer funds
๐Ÿ’ฐ Finance
(4.5K)
free
17
PrimeTrust FCU Mobile
PrimeTrust FCU Mobile
PrimeTrust FCU Mobile
by Primetrust Financial Federal Credit Union
Free

Manage your finances conveniently and securely from your mobile device. This app offers tools for transferring funds, paying bills, depositing checks, and monitoring account balances. It also provides features to reorder debit cards, view statements, and organize transactions with notes and photos.

Secure account accessFund transfersBill payments
๐Ÿ’ฐ Finance
(2.1K)
free
18
WyHy Mobile Banking
WyHy Mobile Banking
WyHy Mobile Banking
by WyHy Federal Credit Union
Free

Manage your finances conveniently from your mobile device. Apply for loans, deposit checks, pay bills, and monitor your accounts with ease. Access your transaction history and card controls for comprehensive financial management.

Apply for loansPay billsDeposit checks
๐Ÿ’ฐ Finance
(2.1K)
ad-supported
19
Interior Federal
Interior Federal
Interior Federal
by DEPARTMENT OF THE INTERIOR FEDERAL CREDIT UNION
Free

Manage your finances securely and conveniently 24/7 from your mobile device. Access account details, transfer funds, pay bills, deposit checks, and manage your credit and debit cards. Apply for loans and new accounts, or locate ATMs and branches.

Secure 24/7 account accessView balances and transaction historyFund transfers and Zelleยฎ integration
๐Ÿ’ฐ Finance
(903)
free
20
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
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.

Access up to $1,000 to spendShop top brands on marketplacePay over time with no interest/fees
๐Ÿ’ฐ Finance
(16K)
free with in-app purchases

FAQ about Xcredit

What are the best xcredit apps for iPhone?
Kredi โ€“ Loan, Savings & Bills tops our xcredit apps ranking as of June 2026, with a 3.0-star average from 120 App Store ratings, and it's free to download.
Yes โ€” 20 of the top xcredit apps we rank are free to download, including Kredi โ€“ Loan, Savings & Bills and Carbon: Mobile Banking & Loans.
Kredi โ€“ Loan, Savings & Bills has no ads and has no in-app purchases, according to its App Store listing as of June 2026.
We track 221+ xcredit apps on the iOS App Store as of June 2026, ranked by rating, recency, and analysis of real user reviews.
Kredi is an all-in-one finance app designed for users in Nigeria. It allows you to take out instant loans, set up automated savings plans with competitive interest rates, and pay various bills such as cable TV, utilities, and betting services. It also facilitates money transfers and receiving payments.
Key features include nano loans up to โ‚ฆ50,000, multiple savings products like Kredi Vault (up to 23% interest) and Kredi Safelock (18% interest), fast intrabank and interbank transfers, seamless bill payments, airtime top-ups, and the ability to manage your Kredi Mastercard. It also offers insurance options for phones, POS devices, and health.

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