Pave - Build Credit

Name: Pave - Build Credit
Rating: 4.7 (4417 reviews)
Author: Pave Fintech Limited

The proper path to good credit

Only for iPhone

Free · Designed for iPhone. Not verified for macOS.

4.4k Ratings
Age Rating

18+
In-App Controls
Category

Finance
Developer

Pave Fintech Limited
Language

EN
English
Size

58.1
MB

iPhone

Pave works with Experian, Equifax and TransUnion to build your credit score. Our credit builder works with you to improve your credit score every month and gives you personalised credit fixes so you can improve your score efficiently. We even reward you for paying your bills on time. Pave helps you build credit the proper way, without a hard credit check or long contracts. Pave Plus Build your credit score with all major UK Credit Reference Agencies and track your TransUnion and Experian credit score in the app for £9/month - free for the first two weeks! The Pave Plus credit builder helps: - Your Experian score - Your TransUnion score (also shown on Credit Karma) - Your Equifax score (also shown on ClearScore) Pave Plus gives you personalised monthly credit fixes and builds your credit score by sharing your positive on-time payment behaviour with Experian, Equifax and TransUnion. Your personalised credit fixes will refresh every month so you know exactly how you could improve your credit score. Pave Plus is the only UK credit builder that lets you track both your TransUnion and Equifax credit scores in one app. Pave also keeps you alerted for any upcoming bills that you are at risk of missing. Subject to eligibility* you may also be able to top up your bank account with our Bills Protection service that helps you pay part of eligible bills. See the FAQs section on our website for information on eligibility and assessment criteria. Pave Plus has a 12 month moneyback guarantee! If your credit score doesn't improve within 12 months, we will give you your money back. T&Cs apply - see paveapp.com. You also get access to Pave Rewards, with the chance to win cash prizes for paying your bills on time. Our support team is UK-based, real human, and works 7 days a week. Try Pave Plus for free for fourteen days today! Pave Lite Pave Lite works in a similar way to Pave Plus, but builds your score with only TransUnion for £5/month. Please note that credit score building takes time, and Pave cannot guarantee to build your credit score with our memberships. You can find more information on why Pave might not be the best fit for you in our website FAQs. Reviews "I love this app. When I first read the reviews, I wanted to try it. It was the best decision I've made. I needed to boost my credit score as I've recently moved to the UK. As you would imagine my credit score was very low but since using Pave for just a few months my credit score has improved a lot. Pave takes the fee out every month with no issues. I would recommend Pave to any and everybody. I wish I could give it more stars. Thank you so much Pave." Zarah - Trustpilot "My score has gone up 199 points! But guys… be patient. The app is super easy to use, and I personally find it really helpful. However.. there was no change to my score for the first 3 months. Then it jumped" Mark - Trustpilot "My credit history improved a lot. My Credit score was very low and I was rejected for everything even a sim contract. After my membership with Pave my score starting increase within three months. Then I got a contract along with a mobile. After that, I got a credit card. Pave was very helpful and the fee of member is very low. I will advise you to try it. You will feel the difference within three months." Imran - Trustpilot "At first I was a bit skeptical about the app and the things they claimed to do. So I waited 4 months to see results. All I can say IT WAS TOTALLY WORTH IT. I will continue touse the app to keep a healthy credit score. Thank you guys." Arnold - Trustpilot Try Pave for free for 14 days! Support https://support.paveapp.com "Pave" is a trading name of Pave Fintech Limited. Pave Fintech Limited is authorised and regulated by the Financial Conduct Authority (ref. 828125 and 826665), and is VAT registered (GB 279861932). Lines of credit are provided with 0% APR (interest free). You must be 18 years or older to use Pave. Terms and conditions apply.

Ratings & Reviews

4.7

out of 5

4.4k Ratings

Easy to use, safe and did built my credit score!!
09/11/2021
iAlone
I was very apprehensive at first about connecting my bank & private financial details to an app, but I’ve found Portify safe throughout and had no issues whatsoever. Very simple UI and easy to setup and have actually really enjoyed using the app over the past 11 months to keep track of my upcoming outgoings. I also used the customer service once when asking about an issue I had upgrading to the premium (£9) service, which was dealt with quickly and politely via a WhatsApp message.At first I was impatient about building my terrible credit score as it does take about 5/6 months before you see any movement… But I have to say it has been a great rush of excitement and relief as my credit score has since been building on average every 1 or 2 months since that 6 month mark, and I am about 1 month away from my score going into the Medium bracket (orange bar) after just 10/11 months usage and paying the required £4 per month by direct debit… and my Score when I started this at the beginning of the year was dreadful and in the low Red mark.I am excited that potentially in 1 more year of using this service (perhaps I may pay the premium £9 service to boost things further) I may totally rectify my whole credit score into a respectable (green bracket) high zone, which will have undone all of the harm my credit has gone through the past 10 years 😃Overall I totally trust and have been impressed by how simple and effective Portify has been for me and I will continue happily. I just wish all monthly bills in general were counted towards credit score and not having to rely on a brand like Portify doing this extra step and measure to make sure a person gets their credibility for making on time payments for all general bills.Thank you Portify!! I’m so glad I took the plunge and tried you guys and stuck out the first 6 months 🙌🏼
Easy to use, safe and did built my credit score!!
09/11/2021
iAlone

I was very apprehensive at first about connecting my bank & private financial details to an app, but I’ve found Portify safe throughout and had no issues whatsoever. Very simple UI and easy to setup and have actually really enjoyed using the app over the past 11 months to keep track of my upcoming outgoings. I also used the customer service once when asking about an issue I had upgrading to the premium (£9) service, which was dealt with quickly and politely via a WhatsApp message.At first I was impatient about building my terrible credit score as it does take about 5/6 months before you see any movement… But I have to say it has been a great rush of excitement and relief as my credit score has since been building on average every 1 or 2 months since that 6 month mark, and I am about 1 month away from my score going into the Medium bracket (orange bar) after just 10/11 months usage and paying the required £4 per month by direct debit… and my Score when I started this at the beginning of the year was dreadful and in the low Red mark.I am excited that potentially in 1 more year of using this service (perhaps I may pay the premium £9 service to boost things further) I may totally rectify my whole credit score into a respectable (green bracket) high zone, which will have undone all of the harm my credit has gone through the past 10 years 😃Overall I totally trust and have been impressed by how simple and effective Portify has been for me and I will continue happily. I just wish all monthly bills in general were counted towards credit score and not having to rely on a brand like Portify doing this extra step and measure to make sure a person gets their credibility for making on time payments for all general bills.Thank you Portify!! I’m so glad I took the plunge and tried you guys and stuck out the first 6 months 🙌🏼
Amazing customer service.
23/11/2023
UnorthodoxGF
As you may see from other reviewers, amazing customer service. They use whatsapp to communicate, and normally reply within a matter of hours if hour lucky, but definitely within 3days, which is there official reply time.Because I have only been using pave for a short amount of time, I have not seen major results but, there credit limit system is great, although I have not used it, due to not wanting to be relient on it, it still notifies me if I may not have enough to pay bills.All and all, a great service.
Amazing customer service.
23/11/2023
UnorthodoxGF

As you may see from other reviewers, amazing customer service. They use whatsapp to communicate, and normally reply within a matter of hours if hour lucky, but definitely within 3days, which is there official reply time.Because I have only been using pave for a short amount of time, I have not seen major results but, there credit limit system is great, although I have not used it, due to not wanting to be relient on it, it still notifies me if I may not have enough to pay bills.All and all, a great service.
Pave Plus Doesn’t Work
24/01/2022
Andi Madd
Pave finally released Pave plus after a year or more saying it was coming soon, however now that it’s been made available to upgrade to on the app, it doesn’t actually work. Having pressed the ‘Upgrade to Pave Plus’ I then went through another few steps like agreeing to the terms and credit agreement, however after ticking the box to confirm I agree and pressing ‘Continue’, I am greeted with a message saying ‘One moment while we upgrade your subscription…’ having waited and waited and waited my subscription never gets upgraded and the app freezes on that screen without going any further. Another family member who is with Pave is experiencing the same issues as me, so I know it’s likely a glitch in the app for everyone trying to apply for Pave Plus. Shouldn’t really be releasing a major feature before checking if it actually works in the first place.

Developer Response
Hi Andi, Jerina at Pave here - I'm really sorry to learn that you are having difficulties upgrading your membership with us, so we can support with this you could you please reach out to our Customer Support Team. You can email us directly at team@paveapp.com or contact us from within the app by WhatsApp or email by tapping the 3 dots (bottom right) and selecting 'Support & Feedback'. Please also encourage your family member to do the same.We look forward to hearing from you!Jerina (Pave)
Pave Plus Doesn’t Work
24/01/2022
Andi Madd

Pave finally released Pave plus after a year or more saying it was coming soon, however now that it’s been made available to upgrade to on the app, it doesn’t actually work. Having pressed the ‘Upgrade to Pave Plus’ I then went through another few steps like agreeing to the terms and credit agreement, however after ticking the box to confirm I agree and pressing ‘Continue’, I am greeted with a message saying ‘One moment while we upgrade your subscription…’ having waited and waited and waited my subscription never gets upgraded and the app freezes on that screen without going any further. Another family member who is with Pave is experiencing the same issues as me, so I know it’s likely a glitch in the app for everyone trying to apply for Pave Plus. Shouldn’t really be releasing a major feature before checking if it actually works in the first place.
Developer Response 25/01/2022
Hi Andi, Jerina at Pave here - I'm really sorry to learn that you are having difficulties upgrading your membership with us, so we can support with this you could you please reach out to our Customer Support Team. You can email us directly at team@paveapp.com or contact us from within the app by WhatsApp or email by tapping the 3 dots (bottom right) and selecting 'Support & Feedback'. Please also encourage your family member to do the same.We look forward to hearing from you!Jerina (Pave)
Disagree
10/05/2024
snee_ann-92
Customer service is good, however, generally the way that it works is absolutely useless. They help to avoid your account going below £0 by providing withdrawal options, but do not provide enough for you to cover a priority bill. They also do not take into consideration what the balance of your account actually needs to cover, (i.e. FOOD SHOP), so the withdrawal option is pointless. If I have £70 in my account and my phone bill is £56, they only offer a small amount to withdrawal, for instance £8, which then means you have £6 left - if your account balance is LOW mid-month how are you supposed to buy essential items like food? Absolutely useless and do not agree with how it works. It’s much better to actually plan and budget, to ensure you have enough money yourself to cover bills and not rely on Pave.

Developer Response
Hi there. Thank you for your feedback. We're sorry to hear that the structure of our Bills Protection feature does not suit your current needs. I'd be happy to provide some information on what Bills Protection is and what it aims to do.Subject to eligibility, Bills Protection is designed to help with certain types of recurring bills that have been paid on time every month for the past 6 months either via standing order, direct debit or card payment. Whilst food shopping is an important expense, this does not fall under the category of bills can be covered by Bills Protection.This is always how we have advertised Bills Protection, and we've provided more information on this in our Help Centre: https://support.paveapp.com/hc/en-gb/articles/360018883558-How-does-Bills-Protection-workAs for the available amount, we typically offer the difference between your bank balance and the amount of the eligible bill. This amount is offered to you 1-2 days before the due date of the bill.For example, if your bank balance today is £70 and you have a £100 bill due tomorrow, we will offer £30. However, if your balance is £70 and your bill is only £75, we will only offer £5; and if your balance is £70 and your bill is £56, we will not offer a withdrawal because your balance is sufficient.Whilst Bills Protection is a great addition to the unique features available at Pave, it is important to note that our core service is still credit building and not lending. Credit building is available to all Lite and Plus members, regardless of whether or not they used our Bills Protection feature.I hope this has been helpful but please contact us at team@paveapp.com if you have any other questionsThank you.The Pave Team
Disagree
10/05/2024
snee_ann-92

Customer service is good, however, generally the way that it works is absolutely useless. They help to avoid your account going below £0 by providing withdrawal options, but do not provide enough for you to cover a priority bill. They also do not take into consideration what the balance of your account actually needs to cover, (i.e. FOOD SHOP), so the withdrawal option is pointless. If I have £70 in my account and my phone bill is £56, they only offer a small amount to withdrawal, for instance £8, which then means you have £6 left - if your account balance is LOW mid-month how are you supposed to buy essential items like food? Absolutely useless and do not agree with how it works. It’s much better to actually plan and budget, to ensure you have enough money yourself to cover bills and not rely on Pave.
Developer Response 13/05/2024
Hi there. Thank you for your feedback. We're sorry to hear that the structure of our Bills Protection feature does not suit your current needs. I'd be happy to provide some information on what Bills Protection is and what it aims to do.Subject to eligibility, Bills Protection is designed to help with certain types of recurring bills that have been paid on time every month for the past 6 months either via standing order, direct debit or card payment. Whilst food shopping is an important expense, this does not fall under the category of bills can be covered by Bills Protection.This is always how we have advertised Bills Protection, and we've provided more information on this in our Help Centre: https://support.paveapp.com/hc/en-gb/articles/360018883558-How-does-Bills-Protection-workAs for the available amount, we typically offer the difference between your bank balance and the amount of the eligible bill. This amount is offered to you 1-2 days before the due date of the bill.For example, if your bank balance today is £70 and you have a £100 bill due tomorrow, we will offer £30. However, if your balance is £70 and your bill is only £75, we will only offer £5; and if your balance is £70 and your bill is £56, we will not offer a withdrawal because your balance is sufficient.Whilst Bills Protection is a great addition to the unique features available at Pave, it is important to note that our core service is still credit building and not lending. Credit building is available to all Lite and Plus members, regardless of whether or not they used our Bills Protection feature.I hope this has been helpful but please contact us at team@paveapp.com if you have any other questionsThank you.The Pave Team

Hello wonderful credit score building friends! This release contains even more bug fixes! Because nobody likes critters crawling around in their app. Wishing you a wonderful bug free day!

Version 7.50.0 22 Apr

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:
- Contact Info
- Identifiers
- Usage Data
Data Linked to You

The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- Identifiers
- Usage Data
Data Not Linked to You

The following data may be collected but it is not linked to your identity:
- Diagnostics

Privacy practices may vary based, for example, on the features you use or your age. Learn More

Accessibility

Information

Provider: Pave Fintech Limited
Size: 58.1 MB
Category: Finance
Compatibility: Requires iOS 15.1 or later.

iPhone
Requires iOS 15.1 or later.

iPod touch
Requires iOS 15.1 or later.

Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.

Apple Vision
Requires visionOS 1.0 or later.
Languages: English
Age Rating: 18+

18+

This app has an age rating of 18+ with content restrictions.

Some content may be rated higher, and may therefore be restricted and managed by the developer through in-app controls.
Learn More

In-App Controls
Age Assurance

Developer Website

Privacy Policy

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Pave - Build Credit

Ratings & Reviews

Easy to use, safe and did built my credit score!!

Amazing customer service.

Pave Plus Doesn’t Work

Disagree

What’s New

App Privacy

Data Used to Track You

Data Linked to You

Data Not Linked to You

Accessibility

Information

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Bits Credit Card and More

Tymit Credit Card

SteadyPay - Smart Money Loans

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