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The only credit builder that helps build credit with all major UK agencies by reporting on-time payments and tracks your credit score. All for under £10 a month. No hard credit check, credit cards, interest or APR for any membership.

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.

The Pave Plus credit builder helps:

- Your Experian score
- Your TransUnion score (since Credit Karma uses your TransUnion score, the score you see in the Credit Karma app may also change)
- Your Equifax score (since ClearScore uses your Equifax score, the score you see in the ClearScore app may also change)

Pave Plus can build your credit score by sharing your positive on-time subscription and bills payments behaviour with Experian, Equifax and TransUnion. Subject to eligibility* we open a credit line that can top up your bank account with enough balance to pay recurring expenses on time. Paying your subscriptions and bills on time means you are using this credit line responsibly.

Pave Lite

The Experian credit builder for £5/month.

Pave Lite builds your Experian score. We structure your Pave membership as a loan agreement and report your membership fee payments as loan repayments to Experian. All you need to do is pay your membership fee on time. This improves your positive repayment history which makes up 35% of your Experian credit score. Improving this helps you build your Experian credit score.

Please note that 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.

- See our FAQ's for information on eligibility and assessment criteria.


“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

“Pave – a holistic credit builder for modern workers” - Forbes

"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



Portify 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 Portify Financial Services Limited (ref. 922751), which is an Appointed Representative of Portify Limited (trading as Pave).

What’s New

Version 7.0.3

Hello credit score builders! This is a little release from us with just a few fixes for bugs in the last release. Hope your 2022 is off to a wonderful start!

Ratings and Reviews

4.7 out of 5
2.4K Ratings

2.4K Ratings

ErikUK1 ,

I do recommend

It's gonna be a bit long of a review tbh
I started using portify because I had a deliveroo account and portify and deliveroo were working together for the riders (long story short they don't work together anymore because of deliveroo) however I started using their score boost system by paying 4£ a month and after a few months from ~200 credit score it went to around 260 which is a nice boost
So overall I'm quite happy with the service

Brady-19363 ,


Been with these guys now for a few months, the access to interest free loans was great, now they’ve changed the way they give out the loans with this new Portify Plus thing, they’ve increased the monthly minimum income threshold to £1200 every month for the last 12 months. I’m sorry but I don’t get how they can change this especially without notifying me first. I paid the full £100 the other day that I borrowed and what do you know, they’ve changed the way how we can get future loans with them... I’ve now got to have £1200 going in every month to get a loan now, but over the last 5-6 months I’ve been with them, they’ve been happy to give me the interest free loan on a income of £1059 per month. Now they change it to £1200

Absolutely disgusting service! Will not be recommending this to anyone.😤

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, Portify 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


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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