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Ava: Build Credit Fast

Ava: Build Credit Fast

Save Money with Lower Interest

51K ratings
959 reviews
#133 in free Finance
💰 Finance
Free

Details

Released
November 15, 2021
Updated
November 4, 2026

Features

Developer

Ava Finance, Inc.
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Ava: Build Credit Fast screenshot #1 for iPhone
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Ava: Build Credit Fast screenshot #5 for iPhone
📉no. 133
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About

Build a stronger financial future by establishing positive credit history. This app offers an easy and transparent way to improve your credit score, with features like a credit builder card and a savings account designed to help you achieve financial goals.

✓Build positive credit history
✓Credit score improvement
✓Credit builder card
✓Save & Build Credit Account
✓Free monthly credit reports
✓Easy setup in under 5 minutes
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What users say about Ava

Reviews of Ava are mixed: the Finance app is rated 4.9/5 from 51K 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

5.1.7700

November 4, 2026

Bug fixes and performance improvements.

Charts

Top Free

📉 133-3

Finance

This app dropped -3 positions in Finance chart.

Last updated on November 9, 2026.

User reviews

Most RecentHighest RatedLowest Rated

Great app for credit building

I’ve had a great experience using Ava to help build my credit. Since using the app, my credit score has increased by 59 points! I’m happy with my progress and appreciate having a tool that helps me work toward my financial goals. I would recommend giving Ava a try!
Bbonesteakt12

False -advertising

Please don’t sign up for this bull- spit app. It is not what is promised, and you can’t even use the money they give you
JEJungled ever

Get it!

If you’re looking to build your credit and get things back rolling. This is the app for you! I’ve boosted my score well over 100 points. And I couldn’t have did it without AVA! This is the best credit builder you can invest in
44nem00000

App Store listing promises $50 of I am not approved

App Store listing promises $50 of I am not approved, yet it is just saying that my account cannot be created and telling me to close the app - no mention of $50.
Gglevik

Poor customer service support

I have been trying to fix my account with Ava there is bank accounts I’m trying to remove and debit cards as well trying to remove on my account so that I can relink a new account because it won’t let me add an account it keeps saying failed linking try again I did it 20 times
HUHassan nasrallah user
See 954 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

How does Ava help build credit?

Ava helps build credit by offering a Credit Builder Card and a Save & Build Credit Account. These tools allow you to make on-time payments, which are reported to credit bureaus, thus establishing a positive payment history and improving your credit utilization.

What is the pricing for Ava?

Ava offers transparent pricing starting at $5/month for the annual plan. Ava Pro and Ava Max plans are also available with different features and billing options, though plan availability may vary.

Can I get a credit limit increase with Ava?

The Ava Max plan is designed for eligible members and offers a higher credit limit. Eligibility for this plan and its credit limit may vary.

Does Ava require a credit check to start?

No, Ava offers instant account setup with no credit check required, making it accessible for individuals looking to build credit from scratch.

What is the update frequency for Ava?

Ava is regularly updated, with the latest version being 5.1.7700, last updated on November 4, 2026. This indicates consistent development and improvements.

What devices is Ava available on?

Ava is available on iPhone and iPod devices, allowing users to manage their credit building journey on the go.

What are the pros and cons of using Ava?

Users praise Ava for helping build credit, increasing credit scores, and its transparent, affordable process. However, some users have noted strict identity verification, inconsistent bank account linking, and issues with customer service and pricing transparency.

Is Ava safe to use for financial information?

Ava partners with financial service providers like Priority Technology Holdings, Inc. and Pier Lending LLC for its services. The Ava Credit Builder Mastercard is issued by FDIC-member banks, indicating a level of security and compliance.