Fynory - Credit Builder App
Finance
Free
Build U.S. credit history, one on-time payment at a time. No SSN or ITIN needed. Plans from $3.99/mo. Learn, track your progress and ask our AI Concierge anything.
Fynory is the easiest, safest way to build credit history in the United States, wherever you are. No debt, no traditional credit cards and no credit check.
NOW ALSO FROM YOUR COUNTRY
You don't need to live in the U.S. or have a Social Security Number (SSN). You sign up with your passport or national ID, and we report your payments to the U.S. credit bureaus.
HOW IT WORKS
1. Choose your plan: Starter, Plus or Premium, depending on your needs.
2. Create your account: with your personal details. No credit check.
3. We report your payments: every monthly payment is reported to the major U.S. bureaus (Equifax, TransUnion and Experian, depending on your plan).
4. Your history grows: with on-time, consistent payments, your credit history builds month by month.
PLANS
• Starter: reports to 1 bureau. Ideal to get started.
• Plus: reports to 2 bureaus. More coverage, more impact.
• Premium: reports to all 3 bureaus. Full coverage.
Pricing adjusts to your country, from $3.99/month. In the U.S., plans ($7.99 / $12.99 / $19.99) also include a virtual credit line, with no upfront deposit and no real debt.
KEY FEATURES
• Build U.S. credit from your country or from here
• No SSN or ITIN needed to start
• No credit check to sign up
• Automatic reporting to the credit bureaus every month
• Autopay: your monthly payment goes out on time, effortlessly
• AI Concierge to answer questions about your plan, charges and account
• Track your progress inside the app
• PDF invoices for every payment
• Complete, transparent payment history
• Financial education center with practical lessons
• Achievements and a payment streak to keep you motivated
• Full experience in English and Spanish
WHO IS FYNORY FOR?
• People in Latin America who want to build U.S. credit from their own country
• Immigrants who need to establish credit in the United States
• Anyone with no credit history who wants to start from scratch, safely
SECURITY AND PRIVACY
We protect your information with encryption and we never ask for your SSN or ITIN. We comply with applicable financial regulations.
SUBSCRIPTION
Fynory offers monthly subscription plans with automatic renewal. Payment is charged to your registered payment method. You can cancel at any time from the Profile section inside the app. Cancellation takes effect at the end of the current billing period.
Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Privacy Policy: https://www.fynory.app/privacy
Meet the new Fynory.
We rebuilt the whole app to make building credit clearer and easier:
• A fresh new design, cleaner and faster.
• Your home screen shows when your payments were reported to the bureaus and when the next report is.
• Concierge, our AI assistant, answers questions about your plan, charges and account.
• A redesigned Learn section with short lessons and your progress.
• Autopay, PDF invoices and clearer payment methods.
Thanks for building your future with us.
The developer, Fynory LLC, 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:
- Contact Info
- User Content
Data Linked to You
The following data may be collected and linked to your identity:
- Contact Info
- User Content
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Fynory LLC
- Size
- 59.8 MB
- Category
- Finance
- Compatibility
Requires iOS 16.4 or later.
- iPhone
Requires iOS 16.4 or later. - iPad
Requires iPadOS 16.4 or later.
- iPhone
- Languages
- English and Spanish
- Age Rating
18+
- 18+
- Copyright
- © 2026 Fynory LLC.
