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)NoNoSep 2026
3FairMoney: Save, Spend, CreditFairMoney: Save, Spend, CreditFree4.6โ˜… (14K)NoNoSep 2026
4iMobile: Loan, Cards & BankingiMobile: Loan, Cards & BankingFree4.8โ˜… (67K)NoNoSep 2026
5LendingTreeLendingTreeFree4.8โ˜… (38K)NoNoSep 2026
6Kuda - Free transfer & paymentKuda - Free transfer & paymentFree4.7โ˜… (131K)NoNoSep 2026
7Credit Sesame: Grow Your ScoreCredit Sesame: Grow Your ScoreFree4.8โ˜… (436K)NoYesSep 2026
8Credit.comCredit.comFree4.7โ˜… (7.2K)YesNoSep 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
  • ๐ŸŒŸ Best app encountered
  • ๐Ÿ’ฏ Security is 100% reliable
  • ๐Ÿ’ฐ Easy savings
  • ๐Ÿ’ณ Quick loans with low charges
  • โœ‰๏ธ Prompt customer service
  • โšก Fast transactions
  • ๐Ÿ“ฒ Intuitive application
  • ๐Ÿ›๏ธ Immediate airtime/data delivery
  • ๐Ÿฆ Easy account opening
  • ๐Ÿ’ณ Smooth and fast transfers
  • โœจ Remarkable app
  • ๐Ÿ˜Š Wonderful and reliable

Room to Improve

  • โŒ Invalid account errors
  • ๐Ÿ“‰ Loan eligibility issues
  • ๐Ÿšซ No customer care response
  • โš ๏ธ Error code status 404
  • ๐Ÿ“ท Cannot upload pictures
  • ๐Ÿ’ธ High charges for transfers
  • ๐Ÿ’ฐ Money deducted without service
  • โŒ Account locked with funds
  • ๐Ÿ’ณ Debited without receiving loan
  • โŒ Ineligible for further loans
  • ๐Ÿšซ Cannot delete account/cards
  • โŒ Failed transactions
  • โ“ Referral code required for signup
  • ๐Ÿšซ Not eligible for services
  • ๐Ÿ“‰ Poor customer care
  • ๐Ÿ’ณ Cannot withdraw money
  • ๐Ÿšซ No refund for failed transactions
  • ๐Ÿฆ Funds debited but not credited
  • โŒ Issues signing up
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
  • ๐Ÿค‘ Affordable interest rates

Room to Improve

  • ๐Ÿ› Frequent app crashes
  • ๐Ÿคฏ Poor customer service
  • ๐Ÿ’ธ High interest rates
  • ๐Ÿ”’ Security and account access issues
  • ๐Ÿค– Unreliable app performance
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
  • ๐Ÿ”’ Restricted access to account/funds

More Xcredit apps to explore

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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