Ava: Build Credit History Fast

Unlock a better financial future with Ava – an easy and effective way to build positive credit history, which may help improve your credit score over time.* Some members see improvements in as little as two weeks, but results vary and improvement is not guaranteed. A prime (700+) score may be attainable depending on your individual credit profile and usage.
Why Ava, you ask?
Quick Results: Based on 2023 member data, 74% of members who subscribed to Ava, activated the Ava Credit Builder Card, and were furnished to the bureaus within 7 days saw a credit score increase within the first two weeks of joining.** Among those members, some saw increases of 40+ points within three months.** Individual results will vary and no credit score increase is guaranteed.
Easy Setup: Get started in less than 5 minutes.
Transparent Pricing: Starting at just $8/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:
AVA CREDIT BUILDER CARD:
The Ava Credit Builder Card allows you to pay for over 60 online subscriptions and bills (like Netflix and Verizon) while also lowering your credit utilization. Approval is guaranteed when you connect a valid bank account and pass identity verification. We report on-time payments to all three credit bureaus within about 48 hours. Maintaining low utilization and consistent on-time payments may help improve your credit score over time.
SAVE & BUILD CREDIT ACCOUNT:
The Save & Build Credit Account is a secured loan that helps you save money while adding an additional credit line to your report. Start with at least $25/month, make on-time payments for 12 - 24 months, and get back $300. Zero interest. Origination fee in some states.*** Positive payment history may help strengthen your credit profile over time.
FREE MONTHLY 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
Need help? Our dedicated support team is here to help. Contact us at support@meetava.com.
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 Save & Build Credit 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%). https://www.experian.com/blogs/ask-experian/credit-education/score-basics/what-affects-your-credit-scores/
** 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.
***In the following states, Ava’s Save & Build Credit Account origination fee is $12, paid as $1 per month: Georgia, Ohio, Louisiana, Indiana, Missouri, Wisconsin, Florida, Hawaii, Texas, New York, Illinois, North Carolina, Michigan, New Jersey, Virginia, Alabama, South Carolina, Tennessee, Arizona.