why ava?
Millions of Americans could be paying significantly less in interest and fees if they had a better credit score.
$3,000
Annual savings on car, mortgage, and credit card payments with a 100 point credit score increase.*
From fair to very good
4/5
Ava addresses four of the five major factors that credit bureaus consider in determining scores.
74%
Ava members that saw a credit score improvement in less than 7 days.
the highest rated credit building app
How It Works
Take your financial power back with no credit check, no interest, no fees – just instant approval.
See How It WorksSign up and link a bank account where your paycheck is typically deposited.
Use your high-limit Ava Credit Builder Card to pay your everyday bills, to increase your score quickly.
Make monthly payments to your Save & Build Credit account and get all your money back after 12 months.
Watch your score take off (woosh!), while Ava reports your history to all three credit bureaus.
frequently asked questions
We’re here to help you navigate the complicated world of credit, in a simple way.
How does the Ava Credit Builder card work?
Why does Ava exist?
How does Save & Build Credit work?
How do you handle data and security?
What does Ava cost?
Which Credit Bureaus do you report to?
How does Ava build credit and save money?
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