TomoCredit
Manage & Build Your Credit
How much does TomoCredit cost?
Prices are current as of 12 Sept 2026.
TomoCredit has no in-app products on record in the United States.
10+ alternatives to TomoCredit
| TomoCredit |   X1 Card |   Kovo - Fast Credit Builder |   Grow Credit |   cred.ai |   Gauss: Payoff Credit Card Debt |   Arro: Build & Grow Credit |   Neu Money: Build Your Credit |   Bolster: Get Your Credit Right |   NinjaCard® – Banking & Credit |   RentReporters | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Rating / 5 | 3.5 | 4.9 | 4.9 | 4.8 | 4.8 | 4.9 | 4.6 | 4.8 | 4.7 | 4.2 | 3.8 |
| Reviews | 569 | 12K | 11K | 10K | 6.8K | 3.7K | 1.7K | 1.3K | 553 | 480 | 25 |
| Released | 2024 | 2021 | 2024 | 2019 | 2020 | 2023 | 2023 | 2023 | 2022 | 2024 | 2024 |
| Monthly price | — | — | — | — | — | — | — | — | $17.99 | — | — |
| One-time price | — | — | — | — | — | — | — | — | $8.99 | — | — |
The going rate for each plan in United States, in its own currency, shaded from the cheapest price on the row to the dearest.
TomoCredit reviews
3.5 out of 5, based on 569 reviews.
What people like
- Easy to use and simple
- Great interface looks clean and nice
- Helps build credit easily
What they complain about
- Hard to cancel your subscription
- Customer service ignores your emails
- Takes money but does nothing
Great app to get credit
Great app to get credit
scam
literally will take your money and never let you cancel anything.
Interesting App
This app is incredibly simple with an amazing UI that is not only helpful but also easy to use in terms of reciting and reading into a credit history. The interface is simple yet clean and sleek and design, and the overall feel of the app is something so convenient yet also professionally put together. With the addition of being able to apply to a card that doesn’t affect a personal credit score. It can be incredibly helpful to build credit along with adding more history to one score.
Tomo-rrow Looks Good
Really helpful app for making better financial decisions. It’s easy to use and gives you a better understanding of your finances. Everything is simple and easy to follow, which makes managing your credit less stressful. Definitely worth trying!
Scam!
Beware, this credit builder is a scam for the price. They have zero live assistance.
This app seems pretty solid, I like the UI and the credit journey feature seems pretty cool.
Cool app
Exciting NEW Financial App 💭😌
I was pleasantly surprised with the various features that TomoCredit has throughout its app - and it's not the same basic features as every other financial app! You can add your bills, all of your other financial app accounts AND you can literally cash, assets, loans, and so much more to help the app provide a better view of your financial health for you to see. I'm excited to continue to see what more they have to offer! Also, to the developers - I'm loving the aesthetic of the user interface!
BIG SCAM
Scammed me out of $300 never gave the credit and locked me out my account
Good app
This app seems to be in the process of being very very helpful to people. When I browsed and tested the app I saw a lot of things that I would use atleast every week. Anywhere from your credit report to disputes to 1:1 consultation for your credit!
All in One Credit Booster
This app is very easy and simple to use and has so many features that ultimately help boost your credit. You can actually link your bills and spending all in this app as well as, of course, see your entire credit report. On top of this they also have a section where you can file a dispute for any errors in your credit that they find. This app is perfect for those looking to not only keep track of their credit but also just ultimately find the most efficient way of improving it by having all your credit card bills as well as spending in one place.
Refund
Canceled my application account and money was still taken phone number is fake and the email doesn’t work…. SCAM
Little like mint and Karma
Kind of has a lot of the major feature competing apps have only one of. Credit apps only have credit info, mint has spending but less credit. I like the budget forecasting. I used to get paid once a month that would been nice, all those small re-occurring charges add up.
Great App
The TomoCredit app is great. Really makes the whole process of applying for and obtaining a business loan easy. Quick turn around for approval. Purchasing power to get everything you need to get your business up and running. If you need to speak with someone they seem to really care and go out of their way to assist you. Highly recommend.
Don’t waste your money
Paid $130 for v.i.p nothing was done to improve my credit they literally did nothing and took my money
Not bad
I think I’ll get good use out of this app. I’m trying to build my credit back up after a repo and forced retirement due to disability. Good find!
Great App
This app is great for the every day user the features on the app basically give everyone that uses it a one stop shop for all of their credit needs.
Terrible service
I’ve emailed them over 50 times to cancel my plan I’ve had to result in blocking every account that they’ve used to try and get them to stop I even got a new card to prevent it and somehow they got that to when I never gave them that so now I have to lock my card just to make sure they don’t get nothing I’m very dissatisfied that I’ve had to do all of that just because they won’t cancel like I’ve asked over 50 times
Working well
I am glad, I came across tomo, it’s a great app. Interface looks user friendly, Thank you.
Awesome app
I love the way everything is broken down into individual categories. Great app to help build and manage your credit!
Predatory company
They do nothing but still consumers money and make it impossible for you to cancel your subscription. Class action lawsuit is in process as we speak
Pretty good
The app was easy to navigate around and the functionality was pretty simple,I could access my credit very easily.
Credit
Building credit was easy fast and really easy.
Scam don’t sign up
Total scam. Can’t add accounts to receive line of credit. Customer service does not respond I’ve submitted tickets and 51 emails with no response. Paid the $15 to sign up anytime I try to do anything it wants an upgrade. Total scam. Filed a dispute for charges!
Great app!
I liked the tomo spending feature and how the app can recommend way to save and where to cut back The credit monitoring reminds me a lot of Credit Karma, with credit score, summery and review. I like the dispute section a lot, and being able to fix errors from within the platform
Tomo
What a Great App! Awesome way to build credit & manage credit support and keep track of the payments online some apps doesn’t offer any of the services they have will definitely tell everyone about this !.. Love a good credit builder app way to save money.
The most unethical company I have ever had misfortune to come across.
I have been requesting to have my account closed since the first day I had misfortune to sign up for this scam. Each time I get an email with every answer but actually someone having decency to respect my request and to honor my request to close my account”membership.” And of course there is no option to do so in the app. Do NOT sign up, this is a scam.
Review
Pretty awesome app with numerous short cuts I highly recommend overall highly recommended
Great app!
This really is a great app. It gives you insight on everything on your credit report down to what you’re spending on a daily/monthly basis. Options on loans that are suitable to you with whatever situation you’re in. There so much more to explore on here and it’s just very convient to get everything you want to see in one app!
Pay first
They immediately want you to pay before you can even explore the app and check things out.
TomoCredit FAQ
- Is TomoCredit free?
- Yes. The app is free, in all 1 country it sells in, and it sells nothing inside it.
- Does TomoCredit have a free trial?
- No. None of its offers (US) come with a free trial.
- What are the best alternatives to TomoCredit?
- X1 Card (4.9 from 12,149 reviews), Kovo - Fast Credit Builder (4.9 from 11,163 reviews) and Grow Credit (4.8 from 10,116 reviews).
TomoCredit download
Last updated 3 months ago.
TomoCredit sells in 1 country. It was released 2 years and 1 month ago, on 21 Aug 2024. It holds a 3.5 rating from 569 reviews.
Supports 1 language: English.
How much does TomoCredit make?
Third-party estimates for the last 30 days, worldwide — not the store's own figures, which Apple publishes for nobody.