Ava: Build Credit History Fast

Unlock a better financial future with Ava – an easy and effective way to build positive credit history, which can help build your credit score. You may see improvements in as little as two weeks, with 90%* of credit score factors positively impacted by our approach. A prime (700+) score may finally be attainable.
Why Ava, you ask?
Quick Results: 74%** of our members saw an improvement in their credit score within the first two weeks of joining Ava. Stick to those on-time payments, and you might just get a 40+** point boost in three months!
Easy Setup: You'll be up and running in less time than it takes to make a cup of coffee - less than 5 minutes!.
Transparent Pricing: Starting at just $6/month for the annual plan, Ava offers a simple, affordable route to better credit history.
With Ava, you can expect:
- No hidden fees
- 0% interest
- Instant account set up with no credit check
- 0 deposit/collateral required
Included in our simple pricing are:
CREDIT BUILDER CARD:
Ava’s Credit Builder Card allows you to pay for over 60 online subscriptions and bills like Netflix and Verizon, while also lowering your credit utilization. NO CREDIT CHECK REQUIRED, and approval is guaranteed when you connect a valid bank account and pass identity checks.
We help you keep a low card utilization with a spend limit to positively impact your score. When you make on-time payments we report your positive behavior to all three credit bureaus within 48 hours.
SECURED CREDIT BUILDING ACCOUNT:
The Ava Save & Build secured loan helps you save money AND improve your credit history at the same time. Add an additional credit line to your report and increase the frequency of on-time payments. Start by putting away at least $25/month and you get ALL the money you saved after 12 - 24 months of on time payments. Absolutely NO interest or added fees. You keep every dollar you save towards the secured loan!
MONTHLY FREE CREDIT REPORT
Stay on top of your credit score with free credit reports in the app. Discover insights and suggestions in your report that make it easy to understand credit factors, like credit utilization and percentage of on-time payments.
DEDICATED CUSTOMER SUPPORT
Require assistance or have inquiries? Our dedicated support team is here to help. Contact us at [email protected].
Ava makes credit building easy. What you see is what you get – no hidden fees, zero interest, and a promise that we've got your back. We make sure we win only when you win. A better credit score, peace of mind and thousands in savings are just a few taps away.
Ava is not a bank, Ava is a technology company that partners with banking services provided by Evolve Bank & Trust, member FDIC to provide the Secured Loan Account. The Ava Credit Builder Mastercard® is issued by Patriot Bank, N.A., member FDIC pursuant to a license from Mastercard international Incorporated.

* With Ava's Credit Builder Card and Save & Build Account you add two new tradelines to your credit report that helps with your credit mix (10%) and credit history (15%). With each payment made on time you help build your payment history (35%). The Credit Builder Card's credit limit helps with your credit utilization (30%).
** Data is for the period Jan 1, 2023 - Dec 31, 2023, and describes average outcome for members who subscribed to Ava, activated the Ava Card and were furnished to the bureaus within 7 days, and did not cancel their membership within 7 days of signing up. A credit score increase is not guaranteed.