Ava: Build Credit 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.* A prime (700+) score may be attainable. Join us and make an impact on your credit journey.

Why Ava, you ask?

Quick Results: Members saw an average 43-point credit score increase in 30 days.**

Still not convinced? There's more.

Easy Setup: Get started in less than 5 minutes.

Transparent Pricing: Starting at just $5/month for the annual plan, Ava offers a simple, affordable route to better credit history. Ava Pro is available with monthly or annual billing, while the new Ava Max plan offers a higher credit limit with an annual-only membership for eligible members. Plan availability and eligibility may vary.

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 50 online subscriptions and bills (like Netflix and Verizon) while also lowering your credit utilization.***

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 just $25/month, make on-time payments for 12 months, and get $300. Zero interest. Origination fee in some states.****

A pattern of 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 technology service provider of banking related services Priority Technology Holdings, Inc., as well as Pier Lending LLC NMLS 2451164 in certain states to provide the Secured Loan Account . The Ava Credit Builder Mastercard® is issued by Coastal Community Bank, Member FDIC, or 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/

** Based on data from Feb 1 – Mar 31, 2026, this reflects the average credit score outcome for members with a starting score below 550 who activated their first Ava Card between Feb 1 – Feb 28, 2026 and improved their credit score by an average of 43 points in the first 30 days, with no new delinquencies on any tradeline during that period. Conditions apply. Results vary. Credit score improvement is not guaranteed.

***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.

****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.