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Ava Save & Build Credit 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. The card can be used everywhere Mastercard is accepted.

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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 banking services provider Evolve Bank & Trust, member FDIC, to provide your Ava Secured Loan Account.
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 banking services provided by Evolve Bank & Trust, member FDIC 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.