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Credit Karma

Credit Scores, Savings & Loans Track your scores

Check your free credit scores – Learn what affects your credit scores and how you can take control. Credit Karma for iPhone is a finance app specially designed to be fully-featured productivity app.

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Get the money app where your hard work pays off with a new credit score, a new credit card or even a new house.

• 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.

§Not a guarantee of approval. Terms and conditions apply. If you're not approved, you can receive a payment from Credit Karma. Full Terms at creditkarma.com/lp/kgterms

*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).

Related: Credit Karma: Credit Score, Reports & Alerts

Credit Karma Walkthrough video reviews

1. Credit Karma App Review

2. How to install CREDIT KARMA app on iOS?

Is it good?

Credit Karma, Inc. has put efforts and engineered a sophisticated scores app. What makes it successful? It is very easy to use for such a solid finance app with built-in savings features. Well, as a top-performing app with an overall rating of 4.84 I can only add what people who have tried it are saying.

Great credit monitoring and management app. I only wish they partnered with Experian for a full experience. However I have a feeling that’s Experian’s refusal to work together for the greater good of the consumer. Anyway, my credit improved using Credit Karma. I used their recommendation and approval odds to apply for a credit card. I was approved (to my surprise since my credit had been jacked up since I was 18 - my mom told me don’t max out my first credit card but didn’t tell me why). Anyway I was approved for $500 to start. Over the next two years my limit was increased to $5,000. I appreciate Credit Karma being free. If they ever offered a paid subscription or paid tools, I would DEFINITELY pay - and I don’t do subscriptions. been jacked up since I was 18 - my mom told me don’t max out my first credit card but didn’t tell me why). Anyway I was approved for $500 to start. Over the next two years my limit was increased to $5,000. I appreciate Credit Karma being free. If they ever offered a paid subscription or paid tools, I would DEFINITELY pay - and I don’t do subscriptions.
Credit Karma does a fantastic job of helping you to track changes in your credit report. There are tons of other apps that do similar things and I have tried many (Credit Journey is one example that comes to mind) but none I’ve seen has been as complete and polished as Credit Karma. The App is very quick with updates. I have received notices almost instantaneously when an inquiry has hit. The interface is intuitive and easy to navigate. I love the app for that and use it regularly. Just one word of caution: do not dispute an inaccuracy through Credit Karma, submit the dispute directly with the relevant credit bureau instead. It is easy for things to get lost in translation and you may end up with an unexpected outcome. In my case a mishandled dispute dropped my Credit Score by 40 points. When I contacted the credit bureau they told me they couldn’t fix the issue because the dispute was not registered through its system. Other than that little snag, however, the app has been awesome. Highly recommend using it for monitoring your credit report activity.

Download Credit Karma free for iPhone and iPad

In order to download IPA files follow these steps.

Step 1: Download the Apple Configurator 2 app to your Mac.

Note that you will need to have macOS 10.15.6 installed.

Step 2: Log in to Your Apple Account.

Now you have to connect Your iPhone to your Mac via USB cable and select the destination folder.

Step 3: Download the Credit Karma IPA File.

Now you can access the desired IPA file in the destination folder.


Download from the App Store