Pave - Build Credit 17+

The proper path to good credit

Pave Fintech Limited

Designed for iPhone

    • 4.7 • 4.2K Ratings
    • Free

iPhone Screenshots


Pave helps you build credit the proper way without a hard credit check. 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.

Pave Plus

Build your credit score with all major UK Credit Reference Agencies and track your TransUnion credit score in the app for £9/month.

How does Pave Plus work?

The Pave Plus credit builder helps:

- Your Experian score
- Your TransUnion score (also shown in the Credit Karma app)
- Your Equifax score (also shown in the ClearScore app)

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 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 Monitor 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

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.


"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 119 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 the results. All I can say IT WAS TOTALLY WORTH IT. I will continue to use the app to keep a healthy credit score. Thank you guys." - Arnold - Trustpilot


Pave Fintech Limited (trading as Pave) is authorised and regulated by the Financial Conduct Authority (ref. 828125 and 826665), and is VAT registered (GB 279861932). Credit facilities are provided by Pave Partner Services Limited (ref. 922751), which is an Appointed Representative of Pave Fintech Limited (trading as Pave).

What’s New

Version 7.17.0

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!

Ratings and Reviews

4.7 out of 5
4.2K Ratings

4.2K Ratings

UnorthodoxGF ,

Amazing customer service.

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.

Andi Madd ,

Pave Plus Doesn’t Work

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 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)

Rish67 ,

Top Customer Service

I had a question about how my credit score works and I saw the option to WhatsApp their team. I did and they replied within an hour with a simple yet detailed explanation.

For clarity I am on the £9 monthly option. I’m not sure if there’s a massive change as I’ve never had their basic option but I like their service and the tips and tricks it tells me on how to further my credit score.

I highly recommend.

App Privacy

The developer, Pave Fintech Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

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 on, for example, the features you use or your age. Learn More

You Might Also Like

Bits - Build Credit
TotallyMoney - Credit Report
Wollit - Credit Score Builder
CredAbility - Credit score
Bip: Simple cardless credit