Finding the right financial products today can be confusing and overwhelming for consumers. These days, banks and financial institutions use more than just a simple credit score to make approval decisions, and it’s nearly impossible for people to know where they stand.

That’s where Credit Karma comes in. Since our founding in 2007, we’ve evolved from providing free and simple access to credit scores to launching industry-leading technology that provides the transparency people need to shop for financial products with more confidence, including credit cards, personal and auto loans, auto insurance and mortgages. Combine that with checking and savings accounts1, financial calculators and tools, recommendations, and educational articles, we help our members make informed decisions and achieve financial progress.

We help drive outcomes for our members. Our members get approved for credit cards over 50% more often than the national average when they use Credit Karma to help them shop.2 Members save over 25% on average on their interest rates when they compare personal loans on Credit Karma.3

We tie our business to our members’ success. Credit Karma typically gets paid when members are approved for the financial products they choose. It’s a win-win-win: for us, our lender partners and our members.

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Members see their scores and reports

Members can see their credit scores and reports from TransUnion and Equifax, with daily checks.

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We make recommendations

We use our love of data to analyze our members’ credit profile and make product recommendations that could help save them money.

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We get paid by the lenders

If a member gets a product through one of our recommendations, the bank or lender typically pays us.

1 For Credit Karma Money Spend and Save accounts: Banking services provided by MVB Bank, Inc., Member FDIC. Maximum balance and transfer limits apply per account. For Credit Karma Money Save: Maximum 6 withdrawals per monthly savings statement cycle. 

2 Based on a comparison of Credit Karma member approval rates in calendar Q4 2021 vs the national approval rates for general purpose credit cards from 2020 according to the Consumer Financial 

3 Based on aggregate member personal loan origination data for loans greater than $1,000 from July 2021 to December 2021. Estimated average interest rates were compared for members who got personal loans through Credit Karma and members who got personal loans elsewhere. Members who got personal loans through Credit Karma had estimated interest rates that were over 25% lower on average.