Improve factors that make up
to 90% of your credit score
No credit check. No Interest. No deposits.
Lower your credit utilization as we optimize your Ava credit account to reflect an ideal credit-to-debt ratio.
Credit age & mix
Build your credit age by keeping your credit account open while you’re an active Ava member.
It’s Not magic.
It’s our proven, simple approach.
Give your credit A lift
Signing up for our Ava Card and Credit Builder Account creates two additional tradelines on your credit report, boosting your score with on time payments, diverse credit mix, and an increased credit account age.
Less Usage, Bigger Score
The Ava Card builds credit with less usage. Pay monthly bills and subscriptions within your spend limit, while we optimize your spending by keeping an eye on your credit-to-debt ratio.
a good credit score makes a big differencE
Auto Loan / 72 months / $21,700
3 months after using ava Mary improved her credit score to 720 and saved $6,000
Home Loan / 30 months / $326,000
6 months after using ava Sally improved her credit score to 760 and saved $26,000
Consolidated Loan / 6 years / $100
6 months after using ava Pam improved her credit score to 740 and saved $2,345
how it works
The Ava Card’s high credit limit instantly lowers your credit usage (woohoo!).
Stash & save
Your Ava Save and Build Credit is a simple, automated tool for building better credit and your savings.
Use your Ava card to pay subscriptions you’re already paying for, with no interest and no fees, ever.
Reports to all bureaus
We’ll report payments to the 3 major credit bureaus promptly so you can sit back and watch your score climb, fast.
frequently asked questions
We’re here to help you navigate the complicated world of credit, in a simple way.All FAQs