Millions of Americans could be paying significantly less in interest and fees if they had a better credit score.
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 days.
the highest rated credit building app
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!!
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.
This is a must download!
Wow, what an amazing app! My score went up 110 points in one month. I highly recommend.
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.
Credit Score Rocket”
I increased my score by 132 points in one month alone!
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.
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!
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.
How It Works
Take your financial power back with no credit check, no interest, no fees – just instant approval.See How It Works
Sign 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?
The Ava credit building card works like any other credit card but has built in features meant to boost your credit score. With a credit limit of up to $2,500 and the ability to spend up to your spend limit on online merchants or the Ava Store monthly, Ava massively improves your Credit Card Utilization score which is a big part of your credit score.
We then report both your utilization and on time payments within 24 hours to the credit bureaus which again helps boost your credit score quickly. It's that simple!
Why does Ava exist?
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.
How does Save & Build Credit work?
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.
How do you handle data and security?
We never sell your data or save your banking login. All your personal information is kept safe with 256-bit encryption.
What does Ava cost?
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.
Which Credit Bureaus do you report to?
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.
How does Ava build credit and save money?
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.