
Minimal investment, monthly
Set aside up to $30 per month towards your own Savings Builder Account. Feels doable, right?
Build credit, quickly
With every on-time payment, your credit score increases because we report it to all three bureaus. Your score can go up by 45 points on average in no time!


Access savings after a year
After completing 12 months of payments, get every cent back with zero interest or fees. It’s all yours.
the highest rated credit building app
frequently asked questions
We’re here to help you navigate the complicated world of credit, in a simple way.
All FAQsWhy does Ava exist?
Ava is here to help you build credit 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, starting with improving your credit score.
How does Save & Build Credit work?
The Save & Build Credit feature is the perfect way to build both your savings AND your credit score. You put up to $30 every month into a Ava wallet for 12 months. Since you committed to this program, we report each payment to the credit bureaus as a successful on time payment towards a loan. This boosts your score and after 12 months you get ALL the money, up to $360, back. It's a win win!
It's important that you make on time payments towards this savings loan. If you miss payments or stop payments before the 12 month term is over, we will have to report a missed payment to the credit bureaus which will hurt your credit score. Make sure you're ready to make the commitment.
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 get to a great credit score as soon as possible. 74% of our members see a score improvement in 7 days or less. Moreover, your on time payments are reported to all three bureaus within 24 hours. We believe you should not have to wait months to start seeing results that's why we are the only credit building app that reports daily instead of monthly.
How does Ava build credit and save money?
Ava's credit building features sets you up for saving money on debt. With the Credit Building card and the Savings Builder we provide you with the fastest and easiest way to improving your score so that you qualify for the lowest cost of debt you're entitled to. We then automatically find the best credit products that saves you money. Let our technology do the work so you don't have to.