Intuit Credit Karma

Contains ads
2.67M reviews
Content rating
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About this app

Check your free credit scores – Learn what affects your credit scores and how you can take control.

Credit Karma Money™ Spend – A checking experience* with Early Payday.

Credit Karma Money™ Save – No fees with this interest-bearing savings account.*

Approval Odds** – See personalized recommendations and know your chances of approval for a personal loan or credit card before you apply.

Credit card choices – Browse great credit card offers based on your credit profile.

Auto savings and more – Tune up your auto loan, see about saving on insurance, see open recalls and find vehicle records.

Karma Drive™ – Track your safe driving score to see if you can unlock lower car insurance rates.

Home sweet home – Calculate how much home you could afford, compare home loan offers and get a mortgage pre-qualification letter.

Personal loan shopping – Whether you want to refinance credit card debt or borrow for an expense, you can compare personal loan offers on Credit Karma.

Free ID monitoring – Check your free reports to spot potential identity theft and get tips for keeping your personal information safer.

Free credit monitoring – Get credit alerts when we see important changes happen to your Equifax or TransUnion credit reports.

Join more than 120 million members and get all these features, and more. Download the Credit Karma app and create your own karma today.

*Banking services provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply per account.
**Approval Odds are not a guarantee of approval. Credit Karma determines Approval Odds by comparing your credit profile to other Credit Karma members who were approved for the personal loan, or whether you meet certain criteria determined by the lender. Of course, there's no such thing as a sure thing, but knowing your Approval Odds may help you narrow down your choices. For example, you may not be approved because you don't meet the lender's "ability to pay standard" after they verify your income and employment; or, you already have the maximum number of accounts with that specific lender.

Some screen images are simulated.

Mortgage products and services offered through Credit Karma Mortgage, Inc. NMLS ID# 1588622 | Read licenses at
Loan services offered through Credit Karma Offers, Inc., NMLS ID# 1628077 | Read licenses at | California loans arranged pursuant to a California Financing Law license.

Insurance services offered through Karma Insurance Services, LLC. CA resident license #0172748.

ELIGIBILITY AND ADDITIONAL DETAILS; 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. Credit Karma members are shown offers with Outstanding Approval Odds** when available to them. Offers with Outstanding Approval Odds have rates that range from 5.4% APR to 35.99% APR with terms from 12 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 $15,000 personal loan with a four year (48 month) term. For APRs ranging from 5.4% to 35.99%, monthly payments would range from $349 to $594. Assuming all of the 48 payments are made on-time, the total amount paid would range from $16,712 to $28,492.
Updated on
Sep 14, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, App activity, and Device or other IDs
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit
Data can’t be deleted

Ratings and reviews

2.62M reviews
Clint Hollinshead
August 25, 2023
App is fine. It is stable and does have some useful features for your financial goals. However, the highly invasive Credit Karma ads are enough to make me what to cancel my account. It is basically the only ad that pops up on my phone and I have had the app for a couple of years. Then you have to have pin point precision when you tap the X to close the ad or it will open my already installed Credit Karma app. Other ads don't do that. Please get your ads off my phone, it is very frustrating...
254 people found this review helpful
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Amber Viney
July 5, 2023
This was a fantastic app for years. Helped me track my credit to see what made my score go up and down. I was able to fix my credit in 6 months and finally buy a house. I went up 200 points in 2 years! But recently, I don't know what's going on. I have tried many times to log into the app, and I keep getting "Unable to connect to credit Karma. Please try again later." Unbelievably frustrating. No reason for it. I have full service, connected to wifi at home, updated the app, restarted. No use!👎
540 people found this review helpful
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Credit Karma, LLC
July 7, 2023
Hi, we're sorry to hear that and we would love to take a look at the issue. Please reach out to our customer support team at
Leigh Ambrose
May 25, 2023
So, it doesn't update nearly as often as it says it does. It hasn't picked up on credit card payments made (although it knows we are current on the payments) and the score it shows is over 30 points lower than my actual score (I only found out when I applied for a loan and got the actual credit report afterwards). I'm sure it's a good thing for ballpark figures, but it is in the market as ads for financial services like loans and insurance.
514 people found this review helpful
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Credit Karma, LLC
May 25, 2023
Hi, Please note that updates are provided as they are made available from TransUnion and Equifax

What's new

Thanks for using Credit Karma!

Our app is regularly updated to make it easier for you to track your financial progress. This version includes a number of performance improvements and squashes a few small pesky bugs.