Borrowell: Credit Report 4+

Build Credit & Compare Offers


    • Free

iPhone Screenshots


Borrowell's mission is to make financial prosperity possible for all Canadians. Your credit score plays an important role in whether lenders approve you for financial products, and the interest rates you can get. Borrowell was the first in Canada to offer free credit scores. Today, we're the only ones who offer a full Equifax Canada credit report updated weekly, for free.

Get your free credit score and report in three minutes. Your credit card information and SIN are not required. Download the Borrowell app today.


Monitor Your Credit Score

Access your credit score and credit report with Borrowell's easy-to-use app. Monitor your credit score anytime, anywhere, and receive alerts for changes to your score or credit report. Borrowell is the only app that provides free weekly updates with access to your full credit report.

Understand Your Credit Score

Gain insights into factors affecting your credit score, such as payment history, credit utilization, credit history, credit inquiries, and average credit age, plus get personalized recommendations for building your credit history.

Get Personalized Financial Product Recommendations

Get custom product recommendations based on your credit profile. Find and compare auto loans, credit cards, bank accounts, insurance and mortgage rates from over 75 trusted financial providers like American Express Canada, BMO Canada, Capital One Canada, Fairstone Bank of Canada, Scotiabank Canada, EQ Bank, National Bank of Canada, Symple Loans and more. See your likelihood of approval before you apply for a loan or credit card.


Positive credit history, payment history and credit mix are factors that can contribute to a higher credit score. A higher credit score can give you access to more credit products like loans, credit cards and mortgages, and at lower interest rates. Potential landlords and employers may also check your credit score and report as part of your application process.

Borrowell Rent Advantage™

Borrowell Rent Advantage™ lets you build credit with the rent payments you’re already making, without landlord involvement. Report your rent payments on your Equifax Canada credit report to build your credit history, payment history and credit mix with your rent. Qualify for this product even with a low credit score. There are no hard credit checks, no hidden fees and no cancellation charges.

Borrowell Credit Builder

Use Borrowell Credit Builder to build your payment history and diversify the credit mix on your credit report without taking on additional debt or needing a credit card. Your payments are made automatically through a pre-authorized debit agreement, so you never have to worry about missing a payment. There are no hard credit checks, no hidden fees and no cancellation charges.


At Borrowell, protecting our members' information is our utmost priority. We use the bank level 256-bit AES encryption to keep your information safe.


Borrowell has received multiple awards:

Best Workplaces for Women, 2023

Globe and Mail Canada’s Top Growing Companies, 2022

Best Workplaces in Canada, 2022

LinkedIn Canada’s Top Startups, 2021

When you download and use the Borrowell app, you are agreeing to Borrowell's Terms of Use.

What’s New

Version 11.0.0

Bugfixes and performance improvements.

Ratings and Reviews

4.8 out of 5
37.3K Ratings

37.3K Ratings

Pawan@medicaps ,

Great app

This is a great app to monitor credit history for free without impacting your score.

Developer Response ,

Hi there, we're so glad that you've enjoyed the Borrowell app so far and we appreciate the 5 star review!

KyBoRgWaRnEr94 ,

Great app

Great app , appreciate the ease it provides me with when inquiring my credit score. Thank you. I also felt so much comfort in their suggested credit card options when applying for one. They show your likeliness of obtaining each card with a rating of either 1. Excellent , 2.good , 3.fair, and 4.low ! This made me feel more confident in my choice when choosing a card !

Developer Response ,

Hi there, we're happy that we could make checking your credit score even easier! We appreciate the review and stay tuned for more great features.

Jairo el boss ,

No optimization for ipad

How come this is not optimized for the iPad. It's 2019. Also it won't let me sign in to multiple devices, so seriously?

Developer Response ,

Thanks for checking out the Borrowell app! We apologize that at this time you can only log in using one device at a time. This is in place to offer a high level of security for your information and we plan to improve this in the future. We appreciate your feedback. Thanks!

App Privacy

The developer, Borrowell, 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 Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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