Don’t let your credit score hold you back

Ava helps build your credit profile - fast.
74% of Ava members see a credit score improvement in less than 7 days.1

Get Started
with Ava
Message and data rates may apply.
Rated 4.9 stars
from 13K+ reviews
on App Store
A black man enjoying a food bowl while sitting on the couch with his child
Rated 4.9 stars
from 13K+ reviews
on App Store

why ava?

A higher credit score lowers your cost of debt and can save you thousands of dollars every year2


Annual savings on car, mortgage, and credit card payments with a 100 point credit score increase.3


Ava addresses four of the five major factors that credit bureaus consider in determining scores.


Ava members that saw a credit score improvement in less than 7 days1.

One of the highest rated credit building apps

Rated 4.9 stars
from 13K+ reviews
on App Store

Ava is amazing"

Such a great app to build your credit score. I've been doing it for 4 to 6 months nothing but great results and my credit score has gone up 80 points. Easy, just keep making on-time payments which will boost your credit score!! I love this app thank you all so much for this!!

App Store review by James092419

Best app ever"

Best credit app ever boosted my score 56 points in one month. It reports to all 3 credit bureaus super fast. Totally worth it and you build and save at the same time. No interest rates either.

App Store review by Best cb

This is a must download!

Wow, what an amazing app! My score went up 110 points in one month. I highly recommend.

App Store review by TH3 FR34K

Score went up 70 points in the first couple weeks”

Highly recommend. My score boosted 70 points already plus it helps my utilization on my credit report. Definitely should use this as a tool or at least to help you understand credit a little better.

App Store review by Bruhman1992

Credit Score Rocket”

I increased my score by 132 points in one month alone!

App Store review by Monica Parish

53 point boost in two months!”

Was a little skeptical at first but after using it the last couple of months my score jumped 53 points! I would highly recommend.

App Store review by Rodman277

A must have!!!!!!"

This account is amazing! It's perfect for people who don't want to get stuck with credit cards you can use on any occasion. Somehow you end up spending more in interest and getting further behind. I have had this app for only a month and my credit has already gone up 37 points!

App Store review by gaminmomma38

Take a chance"

I've tried many but this one by far has worked better for me. Thanks again Ava for making my dreams come true! My credit score has already gone up 40 points. I will definitely refer family and friends.

App Store review by Stephanie Zuccarello

How It Works

Take your financial power back with no credit check, no interest, and no late fees.

See How It Works

Sign up and link a bank account where your paycheck is typically deposited.


Use your Ava Credit Builder Mastercard to pay your everyday bills and build your credit profile effortlessly.

Ava card with subscriptions

Make monthly payments to your Ava Save & Build Credit account4 and get all your money back after your 12 or 24 month term.

make monthly payments to your Ava loan

Watch your credit history take off (woosh!), while Ava reports to all three credit bureaus within 24 hours every time you make a payment.

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?

Rotated mobile mockup of Ava Credit screen from Ava mobile app

unlock your financial potential

The more you know,
the more you grow

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