Don’t let your credit score hold you back

Ava helps improve your credit score fast. 74% of Ava members see an improvement in less than 7 days.

Get Started
with Ava
Rated 4.9 stars
from 8.9K+ reviews
Rated 4.9 stars
from 350+ reviews
Mobile mockup of Ava Card screen from Ava mobile app
A black man enjoying a food bowl while sitting on the couch with his child
Rated 4.9 stars
from 8.9K+ reviews
Rated 4.8 stars
from 320+ reviews

why ava?

Millions of Americans could be paying significantly less in interest and fees if they had a better credit score.


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

From fair to very good


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

Rated 4.9 stars
from 8.9K+ reviews

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.

Best cb

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!

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.


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.

Stephanie Zuccarello

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.

make monthly payments to your Ava loan

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?

Rotated mobile mockup of Ava Credit screen from Ava mobile app

unlock your financial potential

The more you know,
the more you grow

Explore Blog

Understanding the Fed's Plans for Interest Rates in 2024

Read blog post

How to Raise Your Credit Score in Less Than 30 Days

Read blog post

The Credit Scores You Need to Buy a House in 2023

Read blog post