Credit Karma

Contains ads
4.7
2.39M reviews
10M+
Downloads
Content rating
Everyone
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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.

Karma Confidence – See personalized offers 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 unique credit profile. And thanks to Karma Confidence technology, our members get approved 66% more often.**

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 can afford, see personalized 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 emergency, you can compare personal loan offers on Credit Karma (members who compare offers on Credit Karma save an average of 32% on interest rates!).****

Explore the Relief Roadmap – Connect to government stimulus programs, unemployment benefits, debt relief opportunities, loan options and more.

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, for free. Download the Credit Karma app and create your own karma today.

DISCLOSURES
Banking services provided by MVB Bank, Inc., Member FDIC.
*Third-party fees may apply.

**Based on a comparison of Credit Karma member approval rates in 2021 vs national approval rates for general purpose credit cards from 2020 according to the Consumer Financial Protection Bureau’s 2021 Consumer Credit Card Market Report (36%)

***Karma Drive is not available in all states. Sign in the app for availability.

****Based on aggregate member personal loan origination data from July 2020 to December 2020. Estimated average interest rates for members who found personal loans through Credit Karma were compared with estimated average interest rates for members who found personal loans elsewhere. Those members who found personal loans through Credit Karma had estimated interest rates that were 32% lower on average than those who found personal loans outside Credit Karma.

Mortgage products and services offered through Credit Karma Mortgage, Inc. NMLS ID# 1588622 | Read licenses at https://www.creditkarma.com/about/mortgage-licenses.
Loan services offered through Credit Karma Offers, Inc., NMLS ID# 1628077 | Read licenses at https://www.creditkarma.com/about/loan-licenses | California loans arranged pursuant to a California Financing Law license.

Insurance services offered through Credit Karma Insurance Services, LLC (dba Karma Insurance Services, LLC; CA resident license #0172748).
Updated on
Jan 19, 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
4.7
2.39M reviews
Christopher Marini
January 26, 2023
I figured it would be a scam but it certainly isn't and is actually free. It's really great and informative for tracking credit and provides a free breakdown of what is affecting changes in credit. It's a completely user friendly and intuitive app as well. Additionally it can be used to recommend credit cards which will be most beneficial to you (which is probably part of how they make their money) but their recommendations seemed very on point to me.
2 people found this review helpful
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No So
January 25, 2023
They removed the only feature I cared about: the credit simulator. I used to be able to simulate paying down my debts and the effect it would have on my credit score, but it's gone now. Now it's just one very irritating credit card advertisement. Everything else you can get for free from either you bank or from pulling to credit every year.
10 people found this review helpful
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Jerry Kolpien
January 19, 2023
I have been using this app for years and am generally happy with it. I am not sure why they use the vantage scoring system because it doesn't seem that any lenders use it and the higher scores the vantage system gives compared to the Fico scores is somewhat misleading. With that said, overall it has been a very useful tool to help track my progress.
1 person found this review helpful
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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.