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.
Rent & Utility Reporting
Included with your membership at no extra cost, Ava reports up to 24 months of past rent and utility payments to help build your credit. No hidden fees, no extra steps—just one simple membership that helps your credit work for you.
One of the highest rated credit building apps
frequently asked questions
We’re here to help you navigate the complicated world of credit, in a simple way.
All FAQsWhat is the Money Back Guarantee?
How does Ava’s Money Back Guarantee work?
If you don’t see Ava on your credit report within 30 days of joining, we’ll refund your membership fee as long as your account remains active for at least 7 days after your membership date. This ensures we have sufficient time to process and report your account accurately.
How to Request a Refund
Email your Money Back Guarantee request to support@meetava.com, and we’ll review and process your refund if you qualify under the terms below.
Eligibility
To qualify for the Money Back Guarantee:
- Your Ava account must have been active for at least 7 days from your membership date.
- Ava must not appear on your credit report within 30 days of your membership date.
- Your refund request must be submitted between day 31 and day 45 after your membership date.
Requests made before day 31, after day 45, or for accounts canceled within the first 7 days of activation are not eligible for the Money Back Guarantee.
Processing
In your email, please include your account details. Once approved, we’ll process a full refund of your membership fee.
If a refund is issued, your Ava account will be closed upon processing.
Additional Terms
- Accounts canceled within the first 7 days are subject to the early cancellation fee, which may be up to your monthly membership price (minimum $9).
- Annual members who cancel within 7 days are subject to a $29 early cancellation fee.
- The Money Back Guarantee applies only to the failure of Ava’s appearance on your credit report within 30 days of your membership and not to other service disputes or cancellations.
What does Ava cost?
To cover our cost to serve you we charge a membership fee of $8/month when you sign up for an annual plan. The month to month membership fee is $10. As a member you get access to all three Ava features: Ava Credit Builder Card, Ava Save and Build Credit and Rent & Utility Reporting.
Remember: a score of 700+ can save you over $2700 annually3. We have priced Ava to be fair and reasonable given the value we provide to you.
There are NO hidden fees or interest charges for the Ava Credit Builder Card. We all win when you have excellent credit, save money, and reach your financial goals. See Cardholder Agreement for full details.
For the Save & Build Credit Account, terms are subject to the Secured Loan Agreement. In some states, there’s an origination fee to cover costs, paid as $1/mo9. The loan itself has 0% interest and no other fees.