We help you build credit and save money – automatically. It’s that easy.

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Credit Builder Card

Build credit by using less credit.

  • No interest or fees. Instant approval. High credit limit is ideal for lowering your Credit Card Utilization (CCU) and increasing your credit score. Fast.

  • Use your card to pay for online recurring expenses including Netflix, Spotify, Amazon and many more.

  • We report your progress to all three credit bureaus. Scores can go up in as little as 30 days.


Savings Builder

Build credit while building your savings.

  • Set aside as little as $21 per paycheck in your locked Ava account.

  • Build credit with every on-time payment.

  • Access ALL your savings after completing the plan. It’s all yours. 0% interest!


Credit score monitoring

Access your credit score to stay on track.

  • Check your credit score weekly.

  • Access insights into what's impacting your score.

  • Get notifications when you fall behind on payments


Pay down your credit card

Get a personal loan to pay down your credit card.

  • Credit card debt is a rip off.

  • Get a personal loan through one of our partners. Instant decision. No gimmicks.

  • With your higher credit score thanks to Ava, you may qualify for loans you never thought possible.



Save money with an AI assistant.

  • Automatically looks for the lowest interest rates and monthly payments for you.

  • Refinance existing debt or get the best deals without any work.

  • Searches auto loans, credit cards and personal loans.