The Brigit Card is a unique and interesting platform. Brigit will give you a $250 advance without a credit check or interest.

From there, you can pay down that advance to build your score. According to Brigit, you can build it up by 60 points simply by title loans NC paying it off.

8. SoFi

SoFi has even branched out into mortgages. SoFi is much like Cash App in that it can provide an all-in-one portal for anyone who wants to manage all their finances in a single place.

9. Earnin

A “cash before payday” app, Earnin makes it possible for you to get an advance on your paychecks by linking your bank account with the app.

Then, the app simply charges you for the advance when your paycheck comes in. Earnin takes the place of expensive payday loans, which used to be common before everything became digitized. There’s no APY (percentage interest) and there’s no fee, making this a great way to get an advance.

10. Line App

Through Line, people can get from $10 to $1,000 for emergencies without any interest. This makes it possible to take out a small “payday loan” if there is an emergency situation, such as a medical problem, or something that keeps you from working.

Pricing is about $2 for a line of credit up to $100 and $10 for a line of credit up to $500. And from the initial amount that you get, you can level up by using the credit responsibly.

11. Possible Finance

A financing company, Possible Finance offers up to $500 for people who have bad credit. In fact, they don’t even check your credit score.

You can receive funds quickly when you need it, so you can sort of get around not having a line of credit if you can’t qualify for one.

At the same time, this isn’t going to help your credit as much as actually establishing a credit line or an installment loan. Possible Finance is like an online payday loan, so you should be cautious about rates.

12) Chime

Another popular app, Chime is an alternative method of building credit. First, when your paycheck is deposited, it’s actually deposited early.

So you gain access to your funds two days before you otherwise would be able to, which can help you build up a cushion if you have debts that come close to your payment dates.

Second, it helps you increase your credit score by acting as a credit card rather than a debit card. And you can also use the app a lot like Cash App or Venmo, to send money to people directly.

The above list really includes two types of app. One is a line of credit that you can get without a credit score (whether it’s secured or not).

The other is a payday loan type of app, which lets you borrow money against your future earnings. Either of them can help you start to build credit and can give you access to credit if you have an emergency.

What you need to pay attention to is the interest rate, the loan origination fee, and the annual fees. Always look at how much money your money is costing you and choose the least expensive option.

All these apps are designed to help you build credit and use it responsibly. But they still require that you do use them responsibly. Never borrow anything that you don’t need to borrow, even if you can pay it back – and never borrow anything that you can’t pay back.