take control
‍of your credit

Ava is here to help you build credit history 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 — first by helping you build (or rebuild) your credit history.

Ava's Save & Build Credit Account⁴ is the perfect way to build a nest egg AND your credit history. The Save & Build Credit Account is a secured loan where you simply pay $25 a month for 12 months. You get $300 at the end of the term. An origination fee to cover costs applies in some states⁹. When you commit to this program,⁷ we report each on-time loan payment to the credit bureaus to build your payment history.⁸

It's important that you make on time payments towards this secured loan. If you miss payments or stop payments before the term is over, we will have to report a missed payment to the credit bureaus which may hurt your credit score. Make sure you're ready to make the commitment.⁸

We never sell your data or save your banking login. All your personal information is kept safe with 256-bit encryption.

To cover our cost to serve you we charge a subscription fee of $8/month when you sign up for an annual plan. The month to month subscription fee is $10. Remember: a score of 700+ can save you over $2700 annually³. 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 the Ava Credit Builder Card. We all win when you have excellent credit, save money, and reach your financial goals. See Cardholder Agreement for full details.

For the Save & Build Credit Account, terms are subject to the Secured Loan Agreement. In some states, there’s an origination fee to cover costs, paid as $1/mo⁹. The loan itself has 0% interest and no other fees.

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 add credit history as soon as possible. 74% of our members see a score improvement in 7 days or less¹. 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.⁸

Ava's credit building features add to your credit history and can save you money on your loans and credit cards. With the Ava Credit Builder Card and the Save & Build Credit Account, we provide you with an efficient path to build your credit history while positively impacting your score in order to qualify for the lowest cost of debt you're entitled to. All you need to do is activate your Ava Credit Builder Card and/or Save & Build Credit Account, connect a valid and active bank account, and we automatically take care of monthly payments and report your good history to all three credit bureaus. Let our technology do the work so you don't have to.