The SAVE & BUild Credit account4
‍build credit with a secured Loan

Zero interest. Origination fee in some states.9

Get started
A woman wearing glasses and laughing while cooking

pay toward your secured loan, monthly

Set aside $25 a month to build positive loan history and get $300 after 12 months. Origination fee may apply in some states.9 Feels doable, right?

Build credit history, quickly

With every on-time payment, we report your positive payment history to all three credit bureaus, typically within 24 hours. This helps strengthen your credit profile over time.8

send $300 to your account after a year

After completing the full term of the loan, send $300 cash to your personal account — with zero interest9 and a full year of positive credit history.

One of the highest rated credit building apps

Rated 4.9 stars
from 13K+ reviews
on App Store
“

Definitely helped my score"

In a matter of months...literally Nov 2024 to March 2025, I went from 516 to 744. I helped by trying to get my card utilization down. Using Ava definitely helped my score and account status.

App Store review by Re Wash
“

Now in the 700 club!!"

After years of trying to get my score up I joined Ava. 2 months later my score is up 61 points and I'm now in the 700 club!! This app is the real deal!

App Store review by Innocince
“

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
“

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

frequently asked questions

We’re here to help you navigate the complicated world of credit, in a simple way.

All FAQs

Why does Ava exist?

How does the Save & Build Credit Account work?

How do you handle data and security?

Which Credit Bureaus do you report to?

How does Ava build credit and save money?