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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 days1.
One of the highest rated credit building apps
How It Works
...no credit check, no interest, and no late fees. Origination fee in some states9.
See How It WorksSign up and link a 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 get all your money back after your 12 month term.
Watch your credit history take off (woosh!), while Ava reports to all three credit bureaus within 24 hours every time you make a payment.
frequently asked questions
We’re here to help you navigate the complicated world of credit, in a simple way.
How does the Ava Credit Builder Card work?
Why does Ava exist?
How does Save & Build Credit 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
Explore Blog
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The Truth About Payday Loans: Risks, Costs, and Better Alternatives to Protect Your Credit
