Confidently navigate your finances & make progress with Intuit Credit Karma.
SEE YOUR UP-TO-DATE FINANCIAL SUMMARY
-Know exactly where your money is going
-Get alerts when your credit scores change
EASILY COMPARE YOUR OFFERS
-See personalized credit card recommendations & loan offers
-Compare real insurance options
CONNECT YOUR ACCOUNTS & SAVE MONEY
-Track your monthly spending
-Build credit history with bills you already pay with Credit Spark™
-Get more value out of the cards in your wallet with Cards Optimizer
BANK ONLINE
-Open Credit Karma Money Spend & Save accounts*** in the app
-You could get access to your paycheck up to two days earlier when you set up direct deposit¹
DISCLOSURES
*Credit Builder plan requires you to open a line of credit and a Credit Builder savings account, both banking services provided by Cross River Bank, Member FDIC. Credit Builder savings account is a deposit product, insured up to $250,000. Credit Builder is serviced by Credit Karma Credit Builder. Members with a TransUnion credit score of 619 or below at time of application may be prompted to apply for Credit Builder.
**From June 2024 to Nov 2024, members with a TU credit score of 619 or below who opened a plan and had it reported on their TU report saw an average score increase of 17 points in 3 days of activation. Late payments and other factors can negatively impact your score.
***Banking services provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply.
¹Early access to paycheck is compared to standard payroll electronic deposit and is dependent on and subject to payor submitting payroll information to the bank before release date. Payor may not submit paycheck early.
Intuit Assist is an emerging tool that provides information to consider as you make financial choices. Not all features are available to all members. You must link your external financial accounts for full functionality. Please check for mistakes. Always review terms and conditions before applying for financial products.
Loan services offered through Credit Karma Offers, Inc., NMLS ID# 1628077 | Read licenses at https://www.creditkarma.com/about/loan-licenses | CA loans arranged pursuant to a CA Financing Law license.
Insurance services offered through Karma Insurance Services, LLC. CA resident license #0172748.
Mortgage products and services offered through Credit Karma Mortgage, Inc. NMLS ID# 1588622.
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 5.59% APR to 35.99% APR with terms from 1 to 10 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 5.59% 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 $16,774 to $28,492.
†Approval Odds are not a guarantee of approval. Credit Karma looks at how your credit profile compares to other members who were approved for the personal loan shown or whether you meet certain criteria determined by the lender.
1100 Broadway, STE 1800 - Credit Karma, Oakland, CA 94607
I’ve found Credit Karma to be empowering. I haven’t found any application that truly is up to the minute accurate, CK gives me a good idea of where I am in my credit journey, with the added bonus of financial literacy. It’s an easy and intuitive application for individuals of all ages. I had impeccable credit for many years and in my later 30s found myself, going through financial hardships. Like many, I was disheartened by the blemishes on my credit, due to some tough decisions that had to be made. In return, those choices, I made, caused my score to drop, substantially. I avoided looking at my credit for several years, as it felt overwhelming, in an already overwhelming situation. I eventually found my big girl pants and swilled the fact, the only way to escape this daunting financial feeling was to take the first step and see where I was and how bad my financial picture in fact was. I downloaded the app. While it was a not so pretty picture, it allowed me to see the entire picture and simply start the journey to recovering. I educated myself on what where to begin and started chipping away at my debt, collections, and contributing to the positive aspects as much as positive. I’m not exactly where I want to be, but leap years ahead of where I was and plan to hit a big goal, by the end of this year. It all began with simply downloading the app and being able to access it, day or night, any day to make and carry my plan to recovery and financial freedom. I highly recommend CK!
Very beneficial and easy to understand what moves to make and track and what options are available
Metal Command89
I got Credit Karma app because I filed my Tax Returns 10 or 11 days ago and as a method I could select to receive my Federal and State refunds I selected the Credit Karma card to have my funds automatically deposited to once my returns are processed because I was told this would be the quickest method. I’m still waiting (religiously) to receive my refunds but in the meantime I have been looking around the app and found several different options available that can help me with things I had no previous knowledge of how to go about fixing. Such as how to raise my credit score and this involved being able to dispute the major collection that has been plaguing my credit score courtesy of an over-charged apartment complex from 7 or 8 years ago that my brother-in-law put my name on the lease and it ruined my credit due to his own mishandlings with this particularly over charging and greedy apartment complex in Downtown Denver either in 2013 or 2014. Previously I had no idea why or what was causing my low credit score other then one unpaid medical bill because I don’t have a history of using or abusing credit. I’m just finally happy to have a way to hopefully get my credit sorted out and have a reliable way to manage my finances and keep track of my purchases. So far I am very happy with the service provided by Credit Karma. I highly recommend to anyone who wants a better understanding of your financial situation. Thank you Credit Karma!- Jacob Samano.
Old credit scores not removed from Transunion.
rbsmfs
I was talking to someone this past week about a loan and they connected me to someone from Lexington Law who wanted me to sign up for help removing negative scores. He pulled up Transunion and said I had 10 derogatory scores of which he could only see 5. The oldest one was from 2013 or maybe it was older. It was from Covington Credit and said I was 3 months behind. There was another one snout One Main Financial. I don’t remember what the other was but I asked him why they had not been removed if they were that old. I tried to open credit karma but could not open it for several days then today it opened. I saw some increase in my scores and checked to see about the old scores he was questioning and did not see anything he was questioning about Covington Credit or One Main. I told him I did not want Lexington Law to do anything because I have used them in the past for many years so why did they not clear these old records for all the money I paid them. If you would check the old postings you have on record I would appreciate it. I know I had a score of 720 a few months ago and was trying to get a loan in line from several sources and had to pay $1 to pull my score only to get denied and my score started dropping every time my credit was pulled until it got down to 590 plus I failed to cancel and got charged the monthly fee for credit protection until they charged me by the month which made me extremely upset. Thank you Credit Karma for the help you have been to me through the years with my score and especially my taxes. Margaret Smith
Fantastic Resource to Take Financial Control!
Ship95
This app is tremendous. Besides finding the best credit add and loan offers for you based on credit score, interest rate, etc., it also provides tips on how to raise your credit score, and just checking the app for your score once or twice a week provides a real dopamine hit the times you see your score rise. I found 2 accounts in collection totaling just $250. I paid them off and my credit score rose about 60 points. I then took the advice to consolidated my $5k in credit card balances into a personal loan. My score rose again. I always knew making timely payments were super important, but I also learned about credit card usage rates (debt to credit ratio), average age of credit history among all your cards, hard inquiries and more affected that affected my credit. I also knew it was smart to to keep credit utilization below 30%, and below 10% if possible, but I always used the same card with the lowest interest rate, keeping my total credit utilization below 10% but having one card at 50%. It turns out that each card should be kept below certain thresholds in addition to all cards in the aggregate. I have learned to much, and I have brought my credit up from the mid 600’s to over 800 in about 15 months, and all without the all important mortgage and car loans that are usually needed to get to 800 and get the best interest rates! I cannot recommend this app more highly. Credit Karma is an easy way to learn and take control of your financial life, and with interest rates climbing across the board these days, now is the time to try it yourself!
Thanks for using Intuit 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. Stay tuned for more updates and be sure to share your feedback at comments@creditkarma.com.
Version 26.19
The developer, Credit Karma, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Identifiers
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Location
Contact Info
User Content
Browsing History
Identifiers
Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Purchases
Usage Data
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Credit Karma, Inc.
Size
230.4 MB
Category
Finance
Compatibility
Requires iOS 16.0 or later.
iPhone Requires iOS 16.0 or later.
Location
This app may use your location even when it isn’t open, which can decrease device battery life.
