Ava: Build Credit History Fast 4+

Save Money with Lower Interest

Ava Finance, Inc.

Designed for iPhone

    • 4.9 • 16.6K Ratings
    • Free

iPhone Screenshots


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:

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.

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!

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.

Require assistance or have inquiries? Our dedicated support team is here to help. Contact us at support@meetava.com.

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

What’s New

Version 1.60.3

Bug fixes and performance improvements.

Ratings and Reviews

4.9 out of 5
16.6K Ratings

16.6K Ratings

Cyrus Asgari ,

Forget the bad reviews, and also get that this company isn’t very big.

This actually builds your credit, and for $36 a year or $3 a month you are able to not only to pay off your Apple subscriptions, your other bills, but you are also able to put money into the builder account to be able to create savings. This is a no brainer and unfortunately some haters here want to shut down this awesome concept.

What I’m trying to wrap my head around is why are these 12 year olds trying to make this app look very deceptive and untrustworthy. I’ve had this app since May, and other than one day during the summer this app didn’t want to open I have had zero issues with them and have made 7 on time payments with Ava so far and put $105 towards saving. So ladies and gents, get your act together and acknowledge that this company is run by a former credit karma employees, the structure is still in its early stages, so just be patient and stop being so stubborn because you couldn’t get customer service to contact you the same day or you got over charged.

Thank you Ava, for giving me the opportunity to build my credit with you and allowing me to save. You have my respect but please make the app less prone to crashes, it can still happen frequently. Cheers!

grimaxis ,

Efficiently Managing Your Finances with Ava

After using the Ava Finance app for a few weeks, I can confidently say that it offers an impressive suite of features to manage, track, and plan your finances. It's user-friendly, intuitive, and straightforward - even for a beginner. The interface is sleek and easy to navigate which makes financial management less daunting. One of the star features is the real-time tracking of spending; it categorizes your expenses efficiently, helping to understand where your money is going. The financial planning tool is a great way of setting and achieving short and long-term financial goals. Customer service was responsive and helpful, addressing my concerns promptly. Future updates may increase the app's versatility, as I look forward to having more features and further support for various financial instruments. Remember, the effectiveness of a financial app greatly depends on individual financial habits and needs. So, what works best for me might not work for everyone. Regardless, Ava Finance offers a comprehensive package that can be useful for anyone looking to better manage their finances."

Corephan ,

It’s a Double Edged Sword ⚔️

Hi there I’m a financial & credit enthusiast. Now I still Advocate for Ava, IF your financial situation can benefit from it, but it can be a stagnation or In my case drop it by 105 points and slow down my business & finacial content creation. But none the less it doesn’t take away from what the goal of the service does it just not for everyone.

My personal experience: I signed up for Ava on Feb 2023. Now, before I advise anyone that comes to my channel and or recommend a service I let them know I’ve use it! In my case with a great credit score and a high credit line + good credit mix of accounts. it truly didn’t benefit at all. But I still got to show I use the service before I advocate for it cause my situation it didn’t help but if I had a low mix of credit, and the 3600 credit line being report can benefit others!

My specific issue: throughout signing up and setting up Auto Pay & connect checking & savings. They emailed - which some of their email are flagged as Spam, mentioning a disconnect with autopay being blamed on plaid. With no info as to why? Now this is why it not a plug and play even though they state to just keep the bare minimum funds cause B2B they disconnect Autopay. Coming back from my international business tour, sitting down with financial advisor it was brought to my attention that my score drop 105 points. I reached out by email to have clarification & dispute. They respond still not clarifying.

App Privacy

The developer, Ava Finance, Inc., 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:

  • Location

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics

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


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