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.
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!
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
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.