Credit Karma — Credit Score

Credit Karma, LLC

Contains ads

About this app

Boosting your credit score could land you better deals on cards and loans. Meaning? Your savings could go toward paying off your debt, a house deposit or that dream holiday.

With the Credit Karma app, you can easily track your progress and get clear, personalized insights on how to keep your credit score moving in the right direction.

Join over 120 million members worldwide making financial progress with Credit Karma.

Features:
- Get your free credit score and regularly updated credit report in one place
- Browse credit card and loan offers based on your score
- Receive personalized tips and insights to help you reach your goals
- See your Approval Odds for credit cards before you apply
- Track the factors affecting your score and see what you can do to improve it
- Receive alerts when something changes on your report
- Easily track your progress with a regularly updated graph
- Get exclusive deals on credit cards and loans from Canada’s top lenders
- Browse your card and loan offers without ever harming your score

Signing up is quick and easy:
1. Tell us about you. We need a few details to get you started – it’ll only take a couple of minutes.
2. We’ll ask you some security questions that only you would know.
3. Get your credit score and report for free, forever.

We treat your data like it’s our own. Credit Karma only uses your data with your permission and we don’t share your personal information with unaffiliated third parties for their own advertising.

Start improving your score today for free. Sign up in just a few minutes.

PERSONAL LOAN INTEREST RATES AND FEES. You can see personal loan offers on the Credit Karma personal loan marketplace from third party advertisers from which Credit Karma receives compensation. Offers have rates that range from 6.99% APR to 39.99% APR with terms from 6 months to 7 years. Rates are subject to change without notice and are controlled by our third party advertisers, not Credit Karma. Depending on the particular lender, other fees may apply, such as origination fees or late payment fees. See the particular lender’s terms and conditions for additional details. All loan offers on Credit Karma require your application and approval by the lender. You may not qualify for a personal loan at all or you may not qualify for the lowest rates or the highest offer amounts.

PERSONAL LOAN REPAYMENT EXAMPLE. The following example assumes a $5,000 personal loan with a two year (24 month) term. For APRs ranging from 6.99% to 34.99%, monthly payments would range from $223.84 to $292.57. Assuming all of the 48 payments are made on-time, the total amount paid would range from $5,372.16 to $7,021.68.

Ratings and reviews

Great, easy-to-use app for monitoring credit history and seeing the availability of credit cards, loans etc based on my credit level at any particular time. It's clear that Credit Karma are also a broker, but there's no heavy selling or pressure to take up any of the available offers.

I have been using this service for a good few years now and find helpful. Though some of the smart moves are not helpful or contradiction for example in one it tells me I'm at risk of interest on my car finance (there is no interest) and in next one it says we can't see any car finance on your record... The app is stable and usable.

Found it not that informative when it comes to reading my report. Yes shows some info but its not clear on individual entries. The app is mainly to sell you addons, and offer you loans etc so they can get commission. It would be better to be able to get a clearer picture of each entry on file and not the convoluted entries show albeit handy to see score which in fact is designed to hold back on building a real score.

What’s new

Enhancements and improved stability. Stay tuned for more updates, and be sure to share your feedback at https://support.creditkarma.ca/s/newcase?language=en_CA