better credit is yours for the taking

In a world of hidden fees and misleading offers, Ava is transparent about pricing. Your membership fee helps us create products designed to help you save more and manage your finances with confidence.

Annually

$8
a month
Save $24
Get Started

monthly

$10
a month
Get Started

why ava?

Say goodbye to complicated fees. Unlike most financial institutions6, Ava offers clear pricing with no hidden fees — so managing your money is easy.

Ava Card
Save & Build
Ava Credit Builder Card
Credit Card
Secured Card
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Approval
Instant (after ID verification)
Credit check required
With deposit
Minimum score
Not required
650+ for most
Sometimes required
Collateral
$0
$0
$50 - $2500
Interests and fees
0% (with Ava subscription)
30%+
30%+
Credit limit
up to $2,500
$500+
$50+
Score improvement with on-time payments
<30 days
60+ days
60+ days
Score impact
High
Medium
Low
Ava Save and Build Credit loan
Other Leading Credit Builder Loans
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Additional fees
$12 origination fee in some states9
$45-$250
Monthly payment
$25 (+$1 origination fee where applicable9)
$25-$150
Time to unlock funds
12 months
24 months

One of the highest rated credit building apps

Rated 4.9 stars
from 13K+ reviews
on App Store
“

Definitely helped my score"

In a matter of months...literally Nov 2024 to March 2025, I went from 516 to 744. I helped by trying to get my card utilization down. Using Ava definitely helped my score and account status.

App Store review by Re Wash
“

Now in the 700 club!!"

After years of trying to get my score up I joined Ava. 2 months later my score is up 61 points and I'm now in the 700 club!! This app is the real deal!

App Store review by Innocince
“

Ava is amazing"

Such a great app to build your credit score. I've been doing it for 4 to 6 months nothing but great results and my credit score has gone up 80 points. Easy, just keep making on-time payments which will boost your credit score!! I love this app thank you all so much for this!!

App Store review by James092419
“

This is a must download!"

Wow, what an amazing app! My score went up 110 points in one month. I highly recommend.

App Store review by TH3 FR34K
“

Score went up 70 points in the first couple weeks”

Highly recommend. My score boosted 70 points already plus it helps my utilization on my credit report. Definitely should use this as a tool or at least to help you understand credit a little better.

App Store review by Bruhman1992
“

Credit Score Rocket”

I increased my score by 132 points in one month alone!

App Store review by Monica Parish
“

53 point boost in two months!”

Was a little skeptical at first but after using it the last couple of months my score jumped 53 points! I would highly recommend.

App Store review by Rodman277
“

A must have!!!!!!"

This account is amazing! It's perfect for people who don't want to get stuck with credit cards you can use on any occasion. Somehow you end up spending more in interest and getting further behind. I have had this app for only a month and my credit has already gone up 37 points!

App Store review by gaminmomma38
“

Take a chance"

I've tried many but this one by far has worked better for me. Thanks again Ava for making my dreams come true! My credit score has already gone up 40 points. I will definitely refer family and friends.

App Store review by Stephanie Zuccarello

frequently asked questions

We’re here to help you navigate the complicated world of credit, in a simple way.

All FAQs

What does Ava cost?