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Passport Account Agreement

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The Ava Credit Builder Mastercard® is issued by Patriot Bank, N.A., pursuant to a license from Mastercard® International Incorporated.

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Ava Finance, Inc Disclaimers

1) Data is for the period Jan 1, 2023 - Dec 31, 2023, and describes average outcome for members who subscribed to Ava, activated the Ava Card and were furnished to the bureaus within 7 days, and did not cancel their membership within 7 days of signing up. A credit score increase is not guaranteed.
2) According to FINRA: https://www.finra.org/investors/personal-finance/how-your-credit-score-impacts-your-financial-future
3) Auto, Mortgage and Credit Card interest payment savings with a 100 point increase from Fair to Good credit. Assuming 2023 US national averages of new car value of $47K, mortgage balance of $244K and credit card balance of $6500. Assuming US national interest rates for Fair and Good credit scores in 2023. 7% for Auto loans, 7.7% for mortgage and 16.9% for credit card balance for good credit. 12.3% for Auto loans, 8.3% for mortgage and 20.2% for credit card balance for fair credit.
4) Ava partners with a technology service provider of banking related services Priority Technology Holdings, Inc., to provide your Ava Secured Loan Account. Money transmission services relating to the Passport Program are provided by Priority, directly or through its subsidiary Finxera, Inc. (NMLS #1168701) or its authorized affiliates and contractors.
5) 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/
6) Ava is not a bank, Ava is a technology company that partners with technology service provider of banking related services Priority Technology Holdings, Inc., as well as Pier Lending LLC NMLS 2451164 in certain states to provide the Secured Loan Account . The Ava Credit Builder Mastercard® is issued by Patriot Bank, N.A., pursuant to a license from Mastercard® International Incorporated.
7) 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.
8) Ava reports your payment activity and tradelines (“Activity”) to all 3 credit bureaus 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.
9) Ava charges a flat-rate membership fee to access all credit and non-credit products. Membership plans are monthly or annual. 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.