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 the first 30 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.