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Ava: Build Credit Fast

Ava: Build Credit Fast

Save Money with Lower Interest

50K ratings
942 reviews
#143 in free Finance
💰 Finance
Free

Details

Released
November 15, 2021
Updated
October 15, 2026

Features

Developer

Ava Finance, Inc.
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About

Build a positive credit history and potentially improve your credit score with this app. It offers tools like a credit builder card and a savings account to help you manage bills and establish a credit profile. Get started quickly with transparent pricing and free monthly credit reports.

✓Build positive credit history
✓Credit builder card for subscriptions and bills
✓Save & Build Credit Account for savings and credit line
✓Free monthly credit reports and insights
✓Easy setup in under 5 minutes
✓No hidden fees, 0% interest, no credit check, no deposit
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What users say about Ava

Reviews of Ava are mixed: the Finance app is rated 4.9/5 from 50K App Store ratings. What users like most: helps build credit, increases credit score. Top complaints: strict identity verification, inconsistent bank account linking. Summarized from real user reviews.

Positive things

  • 💳Helps build credit
  • 🆙Increases credit score
  • 🔍Transparent about process
  • 💰Affordable monthly cost
  • 🧭Easy to use app
  • 🗓️Reports to credit bureaus
  • 🧠Innovative credit building concept

Negative things

  • 🔒Strict identity verification
  • 🔀Inconsistent bank account linking
  • 🤖Poor customer service
  • 💸Misleading pricing information
  • 💳Limited credit usage
  • 🔍Lack of transparency on credit limit usage
See all reviews
+1

What's New in Ava

5.1.7400

October 15, 2026

Bug fixes and performance improvements.

Charts

Top Free

📈 143+6

Finance

This app rose +6 positions in Finance chart.

Last updated on October 20, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Beautiful AVA

I appreciate your credit education.. continue to help!
TSThe kenyan Hot Sauce

Trash

Don’t do it, its super trash & s
SSuperiorBeauty

SCAM

STAY AWAY FROM THIS APP. First, they have you fill out all your information, banking, card numbers,social security, then you pay a membership fee BEFORE they tell you what your credit limit is. Once they charged my card, my limit came back to 0 dollars. Seconds later I go to cancel my membership, THERES A 9 DOLLAR FEE to cancel, for what ? I haven’t been a member longer than 5 minutes. This app is a scam. not sure where the good reviews come from.
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Credit increase

My score has increased a lot since using them
IRIshalcie R

170 points

I’ve been using the credit builder app, I used for about 2 years and helped build my credit from
Being at a 400
Ttjbeatz12
See 937 more reviews

User experience

🐞

Reported Bugs

3 issues

Autopay failure issues

Bug

Accounts getting locked out

Bug

Inconsistent credit score reporting

Bug
✨

Requested Features

4 requests

Ability to change email address

Feature

Improved autopay functionality

Feature

More flexible credit limit usage

Feature

Clearer communication on credit reporting

Feature

FAQ

What does Ava do?

Ava is a financial technology company that helps users build a positive credit history. It offers tools like a credit builder card to pay for subscriptions and bills, and a Save & Build Credit Account which acts as a secured loan to help users save money while establishing a credit line. A pattern of positive payment history can help strengthen your credit profile over time.

How can Ava help improve my credit score?

Ava helps build credit history by adding new tradelines to your credit report, which contributes to your credit mix and credit history. Making on-time payments on the Ava Credit Builder Card and the Save & Build Credit Account helps build your payment history. The credit limit on the Credit Builder Card also helps manage your credit utilization, all of which are factors that can influence your credit score.

What is the pricing for Ava?

Ava offers transparent pricing starting at $8 per month for the annual plan. There are no hidden fees, 0% interest, and no deposit or collateral is required to get started. Specific states may have an origination fee for the Save & Build Credit Account.

Is Ava available on all devices?

The provided description does not specify compatibility with different operating systems or devices. However, it is described as a mobile application, suggesting it is intended for use on smartphones and tablets.

What are the key features of Ava?

Key features include the Ava Credit Builder Card for paying online subscriptions and bills, the Save & Build Credit Account for saving money and establishing a credit line, and free monthly credit reports with insights. The app also boasts an easy setup process in under 5 minutes and dedicated customer support.