Improve factors that make up
to 90% of your credit score
No credit check. No Interest. No deposits.
On-time payments
Use the Ava app to pay bills on time, building a positive payment history with Experian®, TransUnion®, Equifax®.
Credit use
Lower your credit utilization as we optimize your Ava credit account to reflect an ideal credit-to-debt ratio.
Credit age & mix
Build your credit age by keeping your credit account open while you’re an active Ava member.
It’s Not magic.
It’s our proven, simple approach.
Give your credit A lift
Signing up for our Ava Card and Credit Builder Account creates two additional tradelines on your credit report, boosting your score with on time payments, diverse credit mix, and an increased credit account age.
Less Usage, Bigger Score
The Ava Card builds credit with less usage. Pay monthly bills and subscriptions within your spend limit, while we optimize your spending by keeping an eye on your credit-to-debt ratio.
Simple & Automated
Between automated payments and a reminder here or there, you don’t have to worry about missing a payment. Just connect your bank account via Plaid and you're off.
Frequent reporting
We’re all about getting your score higher ASAP, so we report to all three credit bureaus every single week. The quicker the reporting, the faster your score increases.
car slider will be here
a good credit score makes a big differencE
Auto Loan / 72 months / $21,700
Peter
Credit Score
650
Interest rate
12%
Pays
$32,465
3 months after using ava Mary improved her credit score to 720 and saved $6,000
Mary
Credit Score
720
Interest rate
4.25%
Pays
$26,238
Home Loan / 30 months / $326,000
Joe
Credit Score
600
Interest rate
4.5%
Pays
$3,850
6 months after using ava Sally improved her credit score to 760 and saved $26,000
Sally
Credit Score
760
Interest rate
2.75%
Pays
$2,326
Consolidated Loan / 6 years / $100
Derek
Credit Score
600
Interest rate
19.5%
Pays
$2,445
6 months after using ava Pam improved her credit score to 740 and saved $2,345
Pam
Credit Score
740
Interest rate
4.5%
Pays
$100
how it works
High-limit Card
The Ava Card’s high credit limit instantly lowers your credit usage (woohoo!).
Stash & save
Your Ava Save and Build Credit is a simple, automated tool for building better credit and your savings.
No interest
Use your Ava card to pay subscriptions you’re already paying for, with no interest and no fees, ever.
Reports to all bureaus
We’ll report payments to the 3 major credit bureaus promptly so you can sit back and watch your score climb, fast.
frequently asked questions
We’re here to help you navigate the complicated world of credit, in a simple way.
All FAQs
Ava is here to help you build credit and save money on debt. The best way to tackle debt is to find the lowest cost of debt possible so you pay as little as necessary. We create a personalized step by step plan, starting with improving your credit score.
The Save & Build Credit feature is the perfect way to build both your savings AND your credit score. You put up to $30 every month into a Ava wallet for 12 months. Since you committed to this program, we report each payment to the credit bureaus as a successful on time payment towards a loan. This boosts your score and after 12 months you get ALL the money, up to $360, back. It's a win win!
It's important that you make on time payments towards this savings loan. If you miss payments or stop payments before the 12 month term is over, we will have to report a missed payment to the credit bureaus which will hurt your credit score. Make sure you're ready to make the commitment.
We never sell your data or save your banking login. All your personal information is kept safe with 256-bit encryption.
To cover our cost to serve you we charge a subscription fee of $6/month when you sign up for an annual plan. The month to month subscription fee is $9. Remember: a score of 700+ can save you over $3000 annually. We have priced Ava to be fair and reasonable given the value we provide to you.
There are NO hidden fees or interest charges for our products. We win when you have excellent credit, save money and reach your financial goals.
We report to ALL three major bureaus (unlike most credit building products in the market). We report your file to TransUnion, Equifax and Experian within the first week of you joining Ava. You should see the Ava tradeline on your credit report within a week. Our goal is to help you get to a great credit score as soon as possible. 74% of our members see a score improvement in 7 days or less. Moreover, your on time payments are reported to all three bureaus within 24 hours.We believe you should not have to wait months to start seeing results that's why we are the only credit building app that reports daily instead of monthly.
Ava's credit building features sets you up to improve your score fast and start saving you money on your loans and credit cards. With the Credit Building card and the Savings Builder we provide you with the fastest and easiest way to improving your score so that you qualify for the lowest cost of debt you're entitled to. All you need to do is activate your Ava Credit Building card or Savings Builder account, connect a valid and active bank account and we automatically take care of the monthly payments and report to your good history to all three credit bureaus. We also automatically find the best credit products that saves you money. Let our technology do the work so you don't have to.
