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Ava Credit Builder Card
Build credit with less credit
Ava Save and Build Credit
A best-case-scenario loan
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Get credit for the rent you already pay
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Ava's Card Holder Agreement CCB

View Ava's Card Holder Agreement CCB →

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GIVE YOURSELF
SOME CREDIT

We take privacy seriously. We won’t sell your data or save your banking login. Ever. All your personal information is kept safe and sound with 256-bit encryption.
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The Ava Credit Builder Mastercard® is issued by Coastal Community Bank, Member FDIC, or by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard® International Incorporated.

Ava Finance, Inc Disclaimers

1. Ava Finance is a financial technology company, not a bank, that partners with Pier Lending LLC NMLS 2451164 in certain states to provide the Secured Loan Account. The Ava Credit Builder Mastercard® is issued by Coastal Community Bank, Member FDIC, or by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard® International Incorporated. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance is available through pass through insurance at Coastal Community Bank, if certain conditions have been met.
2. According to FINRA: https://www.finra.org/investors/personal-finance/how-your-credit-score-impacts-your-financial-future
3. With Ava's Credit Builder Card and Save & Build Account you add two new tradelines to your credit report that helps with your credit mix (10%) and credit history (15%). With each payment made on time you help build your payment history (35%). The Credit Builder Card's credit limit helps with your credit utilization (30%). https://www.experian.com/blogs/ask-experian/credit-education/score-basics/what-affects-your-credit-scores/
4. Your approval for the Ava Credit Builder Card or Save and Build Account is not guaranteed. Successfully linking your bank account to Ava via Plaid is a condition to any such approval. Your failure to maintain a Plaid connection may result in the termination of any credit product you utilize with Ava.
5. Ava reports your payment activity and tradelines ("Activity") to all 3 credit bureaus, with rent and utility reporting limited to TransUnion, but does not promise or guarantee specific results. Credit bureaus independently determine credit scores based on multiple factors which include non-Ava transactions. Ava has no influence over bureau processing times and cannot guarantee or predict how the bureaus will interpret or reflect your Activity. Activity may reflect differently across bureaus. Improvements to your credit score cannot be guaranteed. Your credit score may be impacted positively or negatively.
6. In the following states, Ava’s Save & Build Credit secured loan origination fee is $12, paid as $1 per month: Georgia, Ohio, Louisiana, Indiana, Missouri, Wisconsin, Florida, Hawaii, Texas, New York, Illinois, North Carolina, Michigan, New Jersey, Virginia, Alabama, South Carolina, Tennessee, Arizona. The Save & Build Credit Account is only available in the states listed above.
7. Ava charges a flat-rate membership fee to access all credit and non-credit products. Membership plans are monthly or annual.
8. Based on members with a starting score below 540 who activated the Ava Card between Apr 1 – Jun 30, 2025, measured through Jul 2026. Reflects the average credit score outcome for those who had no new delinquencies on any tradeline, including their Ava Card, in the first 12 months. Conditions apply. Results vary. Credit score improvement is not guaranteed.
9. Based on members with a starting score below 540 who activated their first Ava Card between Feb 1 – Apr 30, 2026, measured at the first credit report pulled at least 30 days after activation that reflected their Ava Card. Reflects the average credit score outcome for those who had no new delinquencies on any tradeline in that period. Conditions apply. Results vary. Credit score improvement is not guaranteed.