The SAVE & BUild Credit account
‍build credit with a secured Loan

Zero interest or additional fees.

Get started
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pay towards your secured loan, monthly

Set aside $25 - $100 per month. Your pick. This is a secured loan4 and you will get ALL the money back after the term is over and you've made all the payments. Feels doable, right?

Build credit history, quickly

With every on time payment, your credit is positively impacted because we report it to all three bureaus within 24 hours.

Access your securd loan after a year

After completing the full term of the loan, get every cent back with zero interest or additional fees. It’s all yours.

One of the highest rated credit building apps

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

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
“

Best app ever"

Best credit app ever boosted my score 56 points in one month. It reports to all 3 credit bureaus super fast. Totally worth it and you build and save at the same time. No interest rates either.

App Store review by Best cb
“

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

Why does Ava exist?

How does Save & Build Credit work?

How do you handle data and security?

Which Credit Bureaus do you report to?

How does Ava build credit and save money?