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Track Your Bills and Your Credit Score For Free

Monitoring your credit score is important, and that's why we update it for our members every week. But now you can monitor your credit score AND track your bills all in one place with the Borrowell mobile app. Stay organized and never miss a bill payment.

How to Stay On Top of Your Finances

Track & Improve Your Score

Your credit score is like your financial report card, and you shouldn't avoid it. Knowing your credit score is the first step to improving it.

Review Your Upcoming Bills

Now that you're tracking your credit score, you can start tracking your bills too. Connect your bank account and let Borrowell automatically forecast your upcoming bills.

See Your Predicted Bank Balance & Cash Flow

In addition to forecasting your upcoming bills, we’ll predict your expected bank balance. You’ll know what your cash flow will be as bills become due.

Get Bill Reminders & Low Balance Alerts

Get alerts straight to your phone when your bills are due or when your balance is running low.

$75 Cash Advances On Demand and Interest-Free

If your balance is running low, use our premium Borrowell Boost service to get a $75 cash advance that will help you pay your bills on time. No credit check and instant qualification.

Never Miss a Payment with Free Bill Tracking

Missing 1 bill payment can have a big impact on your credit score — even up to a 150 point decrease. With the Borrowell app, you can predict and monitor your upcoming bills so that you never miss a payment. Download the app to access our free bill tracking service. If you need help covering your bills, sign up for our premium Borrowell Boost service to access $75 cash advances, on demand and interest-free.

Pick a plan that’s right for your needs


For individuals looking for casual bill tracking. Monitor up to 15 bills so you can get upcoming bill reminders, receive low balance alerts, make payments on time, and protect your credit score.


For individuals looking to get ahead of their bills. Monitor unlimited bills to receive upcoming bill reminders, and access $75 cash advances on-demand so you never miss a bill payment.

Learn About Bill Tracking and Borrowell Boost

Borrowell's bill tracking feature is available exclusively on our mobile app. Connect your bank account and we'll do the rest. We'll analyze your historical transactions to identify your recurring bills and predict your future balances. We'll notify you when bills are due or when we predict your balance will run low. Stay organized and never miss a payment.

Borrowell Boost is our premium service that gives you on-demand access to cash advances that can help you pay your bills on time. Available exclusively on our mobile app, subscribe to Borrowell Boost to access $75 interest-free cash advances that are deposited straight into your bank account. Use Borrowell Boost to pay your bills on time and avoid costly bank fees.

For Borrowell Boost, there is a monthly subscription of $4.99 + tax.

Yes, you need to be a Borrowell member to use Boost. Signing up only takes a few minutes and is completely free. As a member, you get ongoing access to your free credit score as well as ongoing personalized tips, tools and support to help you improve your finances. We update your credit score and credit report every single week, free of charge.

We use 256-bit encryption, which is the same encryption banks use to ensure your private information is kept safe and secure. We will never share your personal details or initiate transactions from your account without consent. If you notice suspicious behaviour in your account, please contact your bank directly.

Borrowell's bill tracking and cash advance features are currently available exclusively on the Borrowell mobile app. Click here to download the app!

Making bill payments on time can help you improve and protect your credit score. Your Equifax credit score is based on many factors, including your payment history. In fact, your ability to pay bills on time accounts for 35% of your credit score. Paying bills on time can help you increase your score. On the other hand, frequently missed or late bill payments can have a negative impact on your credit score. Missing 1 bill payment can have a big affect on your credit score — even up to a 150 point decrease. Borrowell can help you make sure you never miss a bill payment again.

Access to bill tracking and Borrowell Boost is currently not available in Saskatchewan and Quebec.

We’re here to help. To find more information about bill tracking and Boost, check out our comprehensive FAQ page. If you have any questions or concerns about security or features, please contact [email protected].

Bank Level Security

We're Committed To Keeping Your Data Safe

Borrowell uses advanced 256-bit SSL data encryption and views historical data to make bill and balance predictions. We won't share your personal details with unauthorized third-parties or initiate a transaction without your consent.

Read Our Privacy Policy

More Benefits of the Mobile App

Free Credit Monitoring

Free access to your Equifax credit score and report which are updated monthly.

Credit Education

Molly - Canada’s first AI-powered credit coach, offers you personalized tips to improve your credit score.

Personalized Recommendations

Recommendations from over 50 financial partners offering credit cards, mortgages, loans, investing, insurance, and banking.

Download the App

Track and improve your credit score anytime. See everything in one place and get notifications and reminders to pay your bills on time.

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Borrowell® is a registered trademark of Borrowell Inc. All Rights Reserved. The Equifax credit score is based on Equifax’s proprietary model and may not be the same score used by third parties to determine your credit profile. The score provided to you for educational use is the Equifax Risk Score.

2014-2020 Borrowell® | The Credit Is All Yours!