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Credit Karma alternatives: 7 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rankAll loan and credit card comparison sites

Top picks

  • Rocket Money logo

    Best overall

    Rocket Money

    Free plan + paid

  • Experian logo

    Best free option

    Experian

    Paid plan: $24.99/month after a 7-day trial

Common reasons people leave Credit Karma: paid by partners, so the app is full of product offers, and approval Odds are estimates, not a guarantee of approval. We ranked 7 alternatives by how directly each one replaces Credit Karma, then by reviews, real visits and how recently each app's facts were checked against its own website. Rocket Money currently ranks first.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1Rocket Money logoRocket MoneyFree plan + paid—NoiOS, Android, Web5 of 571.8
2Experian logoExperianFree plan + paid$24.99/month after a 7-day trialNoWeb, iOS, Android7 of 742.3
3Bankrate logoBankrateFree—NoWeb5 of 542.3
4ClearScore logoClearScoreFree—NoWeb, iOS, Android5 of 542.3
5LendingClub (now Happen Bank) logoLendingClub (now Happen Bank)Paid—NoWeb, iOS, Android5 of 540.9
6Prosper logoProsperPaid—NoWeb5 of 540.9
7Best Egg logoBest EggPaid—NoWeb, iOS, Android5 of 540.9
  1. Rocket Money logo

    1. Rocket MoneyTop pick

    Best for: People who want to find and cancel forgotten subscriptions and get a quick view of spending

    Free plan + paidiOS, Android, Web

    71.8

    score / 100

    Why switch from Credit Karma

    Budgeting and subscription cancelling app that also tracks your credit score in one place.

    Pros

    • Free tier tracks every subscription and upcoming bill
    • Premium can cancel subscriptions on your behalf
    • Bill negotiation fee applies only if it saves you money
    • Spending, credit and net worth in one app

    Cons

    • Free tier allows only two custom category budgets
    • Budgeting is lighter than in dedicated budget apps
    • Owned by a mortgage lender with other products to offer
    Visit Rocket Money Details and reviews
    How this score is calculated
    Editorial fit ×0.360
    Reviews ×0.363
    Clicks (90 days) ×0.15100
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Rocket Money a good Credit Karma alternative?

    Verified facts

    5 of 5 verified
    Plans
    Free, Premium and Premium+
    Checked Nov 8, 2026rocketmoney.com(opens source in a new tab)
    Free tier budgets
    Up to two custom category budgets
    Checked Nov 8, 2026rocketmoney.com(opens source in a new tab)
    Cancellation service
    Premium only
    Checked Nov 8, 2026rocketmoney.com(opens source in a new tab)
    Bill negotiation
    Success-based fee, only if it saves you money
    Checked Oct 28, 2026rocketmoney.com(opens source in a new tab)
    Owner
    Rocket Companies (formerly Truebill)
    Checked Nov 8, 2026rocketmoney.com(opens source in a new tab)
  2. Experian logo

    2. Experian

    Best for: US consumers who want their Experian report and FICO Score free, with optional paid identity protection

    Free plan + paidWeb, iOS, Android

    42.3

    score / 100

    Why switch from Credit Karma

    Free Experian report and FICO Score 8, the bureau Credit Karma doesn't show.

    Pros

    • Free Experian credit report and FICO Score 8, no card required
    • Experian Boost can add utility and phone bills to your file
    • Paid plans cover all three bureaus and include ID theft insurance

    Cons

    • Free tier covers Experian data only, not Equifax or TransUnion
    • Paid trial needs a credit card and rolls into a monthly plan
    • Free experience includes card and loan offers
    • US only
    Visit Experian Compare with Credit KarmaDetails and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Experian a good Credit Karma alternative?

    Verified facts

    7 of 7 verified
    Free credit report and score
    Yes, no credit card required
    Checked Nov 8, 2026experian.com(opens source in a new tab)
    Score model
    FICO Score 8
    Checked Nov 8, 2026experian.com(opens source in a new tab)
    Paid plan
    $24.99/month after a 7-day trial
    Checked Nov 8, 2026experian.com(opens source in a new tab)
    Identity theft insurance
    Up to $1 million
    Checked Nov 8, 2026experian.com(opens source in a new tab)
    3-bureau monitoring
    Paid plans
    Checked Nov 8, 2026experian.com(opens source in a new tab)
    Premium plan
    $24.99 a month after a 7-day free trial
    Checked Nov 8, 2026experian.com(opens source in a new tab)
    Free trial
    7 days, credit card required
    Checked Nov 8, 2026experian.com(opens source in a new tab)
  3. Bankrate logo

    3. Bankrate

    Best for: US borrowers and savers comparing mortgage, CD, savings and loan rates before picking a lender

    FreeWeb

    42.3

    score / 100

    Why switch from Credit Karma

    Focuses on comparing current mortgage, savings, CD and loan rates across hundreds of US lenders.

    Pros

    • Weekly rate surveys covering hundreds of banks and credit unions
    • Mortgage rate comparison without a credit pull
    • Broad coverage: mortgages, savings, CDs, cards and several loan types
    • Large library of calculators and lender reviews

    Cons

    • Only covers the US market
    • Paid by the lenders and issuers it lists, so rankings deserve a second look
    • No credit score or credit report monitoring of its own
    Visit Bankrate Details and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Bankrate a good Credit Karma alternative?

    Verified facts

    5 of 5 verified
    Founded
    1982
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
    Lenders surveyed
    850+ banks and credit unions every week
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
    Credit check for mortgage quotes
    No credit pull required
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
    Business model
    Not a bank or lender
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
    Owner
    Red Ventures
    Checked Nov 8, 2026bankrate.com(opens source in a new tab)
  4. ClearScore logo

    4. ClearScore

    Best for: People in the UK and other ClearScore markets who want a free credit report and pre-checked loan offers

    FreeWeb, iOS, Android

    42.3

    score / 100

    Why switch from Credit Karma

    Free credit report and pre-checked loan offers, with local versions in the UK, Australia, Canada and South Africa.

    Pros

    • Credit score and full report are free with no paid tier
    • Shows approval chances on offers without harming your score
    • Repayment simulator and borrowing overview help with paying down debt
    • Free leaked-password monitoring included

    Cons

    • UK report comes from Equifax only, not all three bureaus
    • Earns commission on products, so it constantly surfaces offers
    • Not available in the US
    Visit ClearScore Details and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is ClearScore a good Credit Karma alternative?

    Verified facts

    5 of 5 verified
    Price
    Free
    Checked Nov 6, 2026clearscore.com(opens source in a new tab)
    Credit report source (UK)
    Equifax
    Checked Nov 8, 2026clearscore.com(opens source in a new tab)
    Report updates
    Weekly
    Checked Nov 8, 2026clearscore.com(opens source in a new tab)
    Regulation
    FCA authorised (FRN 654446)
    Checked Nov 6, 2026clearscore.com(opens source in a new tab)
    Business model
    Credit broker paid by commission
    Checked Nov 6, 2026clearscore.com(opens source in a new tab)
  5. LendingClub (now Happen Bank) logo

    5. LendingClub (now Happen Bank)

    Best for: US borrowers consolidating credit card debt who also want an online savings or checking account

    PaidWeb, iOS, Android

    40.9

    score / 100

    Why switch from Credit Karma

    Apply directly for a personal loan of up to $75,000 after comparing offers.

    Pros

    • Rate check uses a soft pull with no effect on your credit score
    • Can pay credit card issuers directly for balance transfers
    • Wide loan range, from $1,000 up to $75,000
    • Checking, savings and CDs from the same bank

    Cons

    • Most loans carry an origination fee of up to 8% of the amount
    • Top APRs reach the mid-30s for weaker credit
    • The rename to Happen Bank may confuse people searching for LendingClub
    Visit LendingClub (now Happen Bank) Details and reviews
    How this score is calculated
    Editorial fit ×0.37
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is LendingClub (now Happen Bank) a good Credit Karma alternative?

    Verified facts

    5 of 5 verified
    New name
    Happen Bank
    Checked Nov 8, 2026lendingclub.com(opens source in a new tab)
    APR range
    5.96%–35.99%
    Checked Nov 8, 2026lendingclub.com(opens source in a new tab)
    Loan amounts
    $1,000–$75,000
    Checked Nov 8, 2026lendingclub.com(opens source in a new tab)
    Origination fee
    Mostly 0%–8%
    Checked Nov 8, 2026lendingclub.com(opens source in a new tab)
    Rate check
    Soft credit pull
    Checked Nov 8, 2026lendingclub.com(opens source in a new tab)
  6. Prosper logo

    6. Prosper

    Best for: US borrowers who want a fixed-rate personal loan for debt consolidation or a one-off expense

    PaidWeb

    40.9

    score / 100

    Why switch from Credit Karma

    Apply directly for a fixed-rate personal loan with no prepayment penalty.

    Pros

    • Rate check doesn't affect your credit score
    • No prepayment penalty on personal loans
    • Funding as soon as the next business day
    • Joint applications and home equity lines also available

    Cons

    • Origination fees go up to 9.99% of the loan
    • Maximum personal loan is $50,000, lower than some rivals
    • APRs reach 35.99% for weaker credit profiles
    Visit Prosper Details and reviews
    How this score is calculated
    Editorial fit ×0.37
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Prosper a good Credit Karma alternative?

    Verified facts

    5 of 5 verified
    Loan amounts
    $2,000–$50,000
    Checked Nov 8, 2026prosper.com(opens source in a new tab)
    APR range
    8.99%–35.99%
    Checked Nov 8, 2026prosper.com(opens source in a new tab)
    Origination fee
    1%–9.99%
    Checked Nov 8, 2026prosper.com(opens source in a new tab)
    Prepayment penalty
    None
    Checked Nov 8, 2026prosper.com(opens source in a new tab)
    Founded
    2005
    Checked Nov 8, 2026prosper.com(opens source in a new tab)
  7. Best Egg logo

    7. Best Egg

    Best for: US borrowers with fair-to-good credit consolidating card debt into one fixed monthly payment

    PaidWeb, iOS, Android

    40.9

    score / 100

    Why switch from Credit Karma

    Apply directly with a lender offering fixed-rate loans and a secured option for homeowners.

    Pros

    • Rate check uses a soft pull, so shopping around doesn't hurt your score
    • Secured option can lower the rate for homeowners
    • Fixed rates and fixed terms make payments predictable

    Cons

    • Origination fee is deducted from the loan proceeds
    • Only available to borrowers in the US
    • Top APRs are high for people with weaker credit
    Visit Best Egg Details and reviews
    How this score is calculated
    Editorial fit ×0.37
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Best Egg a good Credit Karma alternative?

    Verified facts

    5 of 5 verified
    APR range
    6.99%–35.99%
    Checked Nov 8, 2026bestegg.com(opens source in a new tab)
    Origination fee
    Up to 9.99%
    Checked Nov 8, 2026bestegg.com(opens source in a new tab)
    Soft credit check
    Checking your rate won't affect your score
    Checked Nov 8, 2026bestegg.com(opens source in a new tab)
    Lender
    Cross River Bank
    Checked Nov 8, 2026bestegg.com(opens source in a new tab)
    Funding time
    1–3 business days
    Checked Nov 8, 2026bestegg.com(opens source in a new tab)

The best Credit Karma alternative for…

The highest-ranked app in this list for each need.

Rocket Money logo

Best Credit Karma alternative for most people

Rocket Money

Budgeting and subscription cancelling app that also tracks your credit score in one place.

Bankrate logo

Best Credit Karma alternative for a free option

Bankrate

Focuses on comparing current mortgage, savings, CD and loan rates across hundreds of US lenders.

Experian logo

Best Credit Karma alternative for a free plan you can upgrade

Experian

Free Experian report and FICO Score 8, the bureau Credit Karma doesn't show.

ClearScore logo

Best Credit Karma alternative for iPhone and Android

ClearScore

Free credit report and pre-checked loan offers, with local versions in the UK, Australia, Canada and South Africa.

LendingClub (now Happen Bank) logo

Best Credit Karma alternative for working in the browser

LendingClub (now Happen Bank)

Apply directly for a personal loan of up to $75,000 after comparing offers.

Credit Karma alternatives: common questions

What is the best alternative to Credit Karma?

Rocket Money ranks first right now. Budgeting and subscription cancelling app that also tracks your credit score in one place. Experian and Bankrate follow it in our ranking.

Credit Karma vs Rocket Money: what's the difference?

Credit Karma is free to use; Rocket Money is free with paid plans. Both run on Web, iOS and Android.

Is Credit Karma free?

Credit Karma is free to use. Tax filing: Free federal, $15 state. Checked on Credit Karma's own site, November 2026.

Is there a free alternative to Credit Karma?

Yes. Rocket Money (free plan + paid), Experian (free plan + paid), Bankrate (free) and ClearScore (free) have a free option. Check each app's verified facts for current plan limits.

Is there an open-source alternative to Credit Karma?

None of the 7 alternatives in this list is open source.

Why do people switch from Credit Karma?

The complaints we hear most: paid by partners, so the app is full of product offers; approval Odds are estimates, not a guarantee of approval; state tax filing costs extra.

How is this list ranked?

Every app is scored with the same published formula: how directly it replaces Credit Karma, reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.