Here's a scenario that happens way too often. Someone walks into a bank, confident about getting a loan approved, only to hear "sorry, your credit score doesn't meet our criteria." Total blindside.
The frustrating part? This could've been avoided. Checking your credit score takes less time than brewing chai. And yet, most people skip it until rejection slaps them in the face.
These days, there's no shortage of apps that let you peek at your score whenever you want. No fees, no forms, no drama. If you've been hunting for the best app for credit score tracking, keep reading. We've tested the options, so you don't have to.
Top 10 Best Apps to Check Credit Score for Free in India
1. CIBIL Score App – Official TransUnion CIBIL Credit Score
When someone mentions credit scores in India, CIBIL usually comes up first. They've been at this longer than anyone else.
Their app gives you direct access to your TransUnion CIBIL score. One free report yearly (as mandated by RBI). You'll see payment history, credit utilisation, and all your loan accounts in one place. If a home loan is on your radar, this one matter, most banks check CIBIL scores.
2. Experian App – Monthly Credit Score Updates with Insights
Experian runs one of the four credit bureaus in India. Their app hands you a free score with monthly refreshes.
What's nice is how they explain things. No fancy finance speak—just plain language about what's hurting or helping your number. They also watch your report for suspicious activity and alert you if something looks off.
3. Finnable – Free Credit Score Check with Instant Loan Options
Finnable is an RBI-licensed NBFC that keeps things simple. You can Check Credit Score for Free on their platform and—if your score looks solid—explore personal loan options in the same place.
Credit reports show up instantly. Need cash? Loans can be processed the same day after document verification. No branch visits, no paper shuffling.
What you get:
● Free score check with detailed report
● Personal loans from ₹50,000 to ₹10 lakhs
● Interest rates from 15% to 30.99% annually
● EMIs starting around ₹3,000 per lakh
● Available in 170+ cities
● Processing fees up to 4%
4. OneScore – Credit Score from All Four Bureaus
OneScore pulls from two major bureaus—CIBIL and Experian—showing both scores side by side. Monthly updates help you track how your score moves over time.
The app is free with no ads or spam. Features like Score Planner help you set goals and get personalised tips for improvement. The interface is clean and beginner friendly. Over 35 million Indians use it for credit tracking.
5. Paytm – Check CIBIL Credit Score via Paytm App
You probably already have Paytm for payments. Turns out they do credit scores now too powered by CIBIL data.
Check your score without opening another app. The app shows your score along with a summary of active loans, credit cards, overdue payments, and recent enquiries. If you're eyeing a small personal loan, their lending integration makes things quick.
6. BankBazaar – Free Credit Score with Loan Comparison
BankBazaar works like a financial comparison site. Free credit score (powered by Experian) plus side-by-side views of loan products from different lenders.
The useful bit? They show your eligibility and help compare credit card and loan options based on your profile. Their reports flag specific problems and suggest what to tackle first. Over 58 million registered users.
7. Paisabazaar – Credit Score Tracking and Alerts
Paisabazaar stands out by providing scores from multiple credit bureaus—CIBIL, Experian, CRIF High Mark, and Equifax. This gives you a more complete picture since different lenders check different bureaus.
Their credit health tool breaks down how different factors—payment history, credit mix, account age—affect your overall number. Monthly score updates are free, and alerts pop up when your score changes.
8. CRIF High Mark – Alternative Credit Bureau Score Check
CRIF is the fourth credit bureau in India. Some NBFCs and fintech lenders prefer CRIF over CIBIL.
If traditional banks have turned you down, checking CRIF might reveal something different. The platform stays focused on credit info—no aggressive loan pushing.
9. CreditMantri – Credit Score Improvement Roadmap
CreditMantri shows scores from multiple bureaus. The standout feature is their improvement roadmap—the app maps out exactly what to do, and when, to bump your score up.
They also offer financial product comparisons and personalised recommendations based on your credit profile.
10. MoneyTap – Experian Credit Score with Credit Line Access
MoneyTap primarily offers credit lines, but their free score tracking holds its own. Data comes from Experian with regular updates.
Heavy emphasis on financial education here. Lots of articles and videos explaining credit concepts. If a line of credit sounds more appealing than a traditional loan, MoneyTap fits that niche.
How to Choose the Best Credit Score App in India
Not every credit app deserves space on your phone. Here's what to look for:
CIBIL score matters most: While India has four credit bureaus, most banks and lenders check CIBIL first. Apps like Finnable that focus on your CIBIL score give you the number that actually matters for loan approvals.
Fresh data: Monthly updates work for most people. Real-time alerts are even better for catching fraud or errors fast.
Useful explanations: A number alone doesn't help much. You want to know why it's that number and how to change it. Specific tips beat generic advice.
Actually free: Some apps sneak in charges for detailed reports or "premium" features. Read the fine print.
Loan matching: Planning to borrow? Apps showing pre-approved offers save time. You'll know who's likely to say yes before filling out applications.
Quick note: checking your own score is a soft inquiry. Doesn't hurt your credit at all. Check as often as you want.
Difference Between CIBIL, Experian, Equifax, and CRIF Credit Scores
India has four credit bureaus: CIBIL, Experian, Equifax, and CRIF High Mark. Each calculates scores a bit differently based on the data they receive.
Your score might vary 20-50 points across bureaus. Doesn't mean anyone made a mistake—they're just working with different information.
That said, CIBIL dominates the lending space. Most banks and NBFCs check your CIBIL score first when evaluating loan applications. If you're planning to borrow, your CIBIL score is the one that matters most.
Which Is the Best App for Checking Credit Score in India?
The best app depends on what you need. If you're planning to apply for a loan, Finnable is a smart choice—check your CIBIL score for free and explore personal loan options up to ₹10 lakhs in the same place. No switching between apps.
Check Your Credit Score for Free and Stay Loan-Ready
Ready to see your score? Head to Finnable or Check Credit Score for Free and get started in a couple minutes.
(The views, opinions, and claims in this article are solely those of the author’s and do not represent the editorial stance of The Assam Tribune)