
pay toward your secured loan, monthly
Set aside $25 a month to build positive loan history and get $300 after 12 months. Origination fee may apply in some states.9 Feels doable, right?
Build credit history, quickly
With every on-time payment, we report your positive payment history to all three credit bureaus to help strengthen your credit profile faster over time.8


send $300 to your account after a year
After completing the full term of the loan, send $300 cash to your personal account — with zero interest9 and a full year of positive credit history.
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.
Why does Ava exist?
Ava is here to help you build credit history and save money on debt. The best way to tackle debt is to find the lowest cost of debt possible so you pay as little as necessary. We create a personalized step by step plan — first by helping you build (or rebuild) your credit history.
How does the Save & Build Credit Account work?
Ava's Save & Build Credit Account4 is the perfect way to build a nest egg AND your credit history. The Save & Build Credit Account is a secured loan where you simply pay $25 a month for 12 months. You get $300 at the end of the term. An origination fee to cover costs applies in some states9. When you commit to this program,7 we report each on-time loan payment to the credit bureaus to build your payment history.8
It's important that you make on time payments towards this secured loan. If you miss payments or stop payments before the term is over, we will have to report a missed payment to the credit bureaus which may hurt your credit score. Make sure you're ready to make the commitment.8
How do you handle data and security?
We never sell your data or save your banking login. All your personal information is kept safe with 256-bit encryption.
Which credit bureaus do you report to?
We report to ALL three major bureaus (unlike most credit building products in the market). We report your file to TransUnion, Equifax and Experian within the first week of you joining Ava. You should see the Ava tradeline on your credit report within a week. Our goal is to help you add credit history as soon as possible. 74% of our members see a score improvement in 7 days or less1. We believe you should not have to wait months to start seeing results.
How does Ava build credit and save money?
Ava’s credit-building features help add positive payment history to your credit report. When you activate your Ava Credit Builder Card or Save & Build Credit Account and connect a valid bank account, we automatically set up autopay for your required monthly payments. Autopay pulls your payment from your linked bank account on your due date, and you must contact support@meetava.com if you want it turned off. Your payment history, including on-time payments, is then reported to all three credit bureaus, which may help you build credit over time.
