If you don’t yet have a good credit score, you’ve come to the right place. A good credit score, which starts at 670 on the FICO scale, lets you get favorable terms for loans, low-interest rates, easy approval for the best credit cards, and even score your ideal apartment.

Want an instant cash solution that doesn’t require good credit?

Click Here for Cash Advance Apps

To help you out, we’ve put together a list of our favorite credit builder apps that you can use from your smartphone. These innovative apps are designed to help you build and maintain your credit score.

Ready to explore the top credit builder apps? Let’s dive in!

1. Go2bank:

Build Credit with No Annual Fee using this Banking App!

  • New 4.5% APY on savings
  • Over 10x the national savings rate average
  • Get your pay up to 2 days early
Apply Now

2. Extra Card:

The First Debit That Works Like a Credit!

  • No credit check
  • No minimum credit score needed
  • Build credit with little effort
Apply Now

3. Perpay:

Unlock a $1,000 Spending Limit Instantly!

  • Shop 1,000+ top brands like Apple, Sony, Nike and more
  • No interest or fees or credit check
  • Make small, easy payments from your paycheck
Apply Now

Building credit when you have no credit history or bad credit can be challenging and takes time, but apps like Go2bank, Extra, and Perpay are making it more accessible and affordable for everyone.

Choose the one that works best for you and your unique circumstances. Maybe you have enough cash to put money down on a secured card. Or perhaps shopping with Perpay is the avenue for you. Alternatively, a debit card that builds credit may look like a lifesaver.

Regardless of your personal finances, these credit builder apps will surely help you improve and maintain your credit score.

About the author

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.