take control
‍of your credit

Ava is here to help you build credit and save money on debt. The best way to tackle debt is to find the lowest cost of debt possible so you pay as little as necessary. We create a personalized step by step plan, starting with improving your credit score.

The Save & Build Credit feature is the perfect way to build both your savings AND your credit score. You put up to $30 every month into a Ava wallet for 12 months. Since you committed to this program, we report each payment to the credit bureaus as a successful on time payment towards a loan. This boosts your score and after 12 months you get ALL the money, up to $360, back. It's a win win!

It's important that you make on time payments towards this savings loan. If you miss payments or stop payments before the 12 month term is over, we will have to report a missed payment to the credit bureaus which will hurt your credit score. Make sure you're ready to make the commitment.

We never sell your data or save your banking login. All your personal information is kept safe with 256-bit encryption.

To cover our cost to serve you we charge a subscription fee of $6/month when you sign up for an annual plan. The month to month subscription fee is $9. Remember: a score of 700+ can save you over $3000 annually. We have priced Ava to be fair and reasonable given the value we provide to you.

There are NO hidden fees or interest charges for our products. We win when you have excellent credit, save money and reach your financial goals.

We report to ALL three major bureaus (unlike most credit building products in the market). We report your file to TransUnion, Equifax and Experian within the first week of you joining Ava. You should see the Ava tradeline on your credit report within a week. Our goal is to help you get to a great credit score as soon as possible. 74% of our members see a score improvement in 7 days or less. Moreover, your on time payments are reported to all three bureaus within 24 hours. We believe you should not have to wait months to start seeing results that's why we are the only credit building app that reports daily instead of monthly.

Ava's credit building features sets you up to improve your score fast and start saving you money on your loans and credit cards. With the Credit Building card and the Savings Builder we provide you with the fastest and easiest way to improving your score so that you qualify for the lowest cost of debt you're entitled to. All you need to do is activate your Ava Credit Building card or Savings Builder account, connect a valid and active bank account and we automatically take care of the monthly payments and report to your good history to all three credit bureaus. We also automatically find the best credit products that saves you money. Let our technology do the work so you don't have to.