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why ava?
A higher credit score lowers your cost of debt and can save you thousands of dollars every year2
$2,700
Annual savings on car, mortgage, and credit card payments with a 100 point credit score increase.3
4/5
Ava addresses four of the five major factors that credit bureaus consider in determining scores.
74%
Ava members that saw a credit score improvement in less than 7 days.1
One of the highest rated credit building apps
How It Works
...no credit check, no interest, and no late fees. Origination fee in some states.9
See How it WorksSign up and link the bank account where your paycheck is typically deposited.
Use your Ava Credit Builder Mastercard to pay your everyday bills and build your credit profile effortlessly.
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Make monthly payments to your Ava Save & Build Credit loan4 and transfer $300 cash to your personal account after completing the 12 month term.9
Watch your credit history take off fast (woosh!) as Ava reports every on-time payment to all three credit bureaus.8
frequently asked questions
We’re here to help you navigate the complicated world of credit, in a simple way.
What is the Money Back Guarantee?
How does the Ava Credit Builder Card work?
Why does Ava exist?
How does the Save & Build Credit Account work?
How do you handle data and security?
What does Ava cost?
Which credit bureaus do you report to?
How does Ava build credit and save money?
unlock your financial potential
The more you know,the more you grow
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