# Ava: Build Credit Fast — user reviews > 910 indexed App Store user reviews of Ava by Ava Finance, Inc., rated 4.90/5 from 50,019 ratings. - Source: https://appshunter.io/ios/app/ava-build-credit-fast/id1584183782/reviews - App overview in markdown: https://appshunter.io/ios/app/ava-build-credit-fast/id1584183782.md - Rating breakdown: 5★ 47,596 · 4★ 1,269 · 3★ 279 · 2★ 113 · 1★ 762 ## What do users think of Ava? Overall sentiment: neutral **Pros** - 💳 Helps build credit - 🆙 Increases credit score - 🔍 Transparent about process - 💰 Affordable monthly cost - 🧭 Easy to use app - 🗓️ Reports to credit bureaus - 🧠 Innovative credit building concept **Cons** - 🔒 Strict identity verification - 🔀 Inconsistent bank account linking - 🤖 Poor customer service - 💸 Misleading pricing information - 💳 Limited credit usage - 🔍 Lack of transparency on credit limit usage **Commonly reported bugs** - Autopay failure issues - Accounts getting locked out - Inconsistent credit score reporting **Most requested features** - Ability to change email address - Improved autopay functionality - More flexible credit limit usage - Clearer communication on credit reporting ## Newest reviews (12 of 910) ### 4/5 — Fast credit score increase *2026-08-30, version 5.1.6626* I’ve had a great experience using Ava! Since becoming a member, my credit score has increased by 64 points. The app is easy to use, and I’m very happy with the progress I’ve made. I would definitely recommend Ava to anyone looking to improve /increase their credit. ### 2/5 — Bad customer service *2026-08-26, version 5.1.6626* Charged me extra. Payment I tried to reach customer service no response 48hrs now ### 5/5 — Great *2026-08-16, version 5.1.5831* Mannn this was definitely worth it just a few small payments my available credit amount kept on increasing. I started at a 542 i am currently at 659. Thanks Ava ### 5/5 — 10/10 *2026-08-16, version 5.1.5831* I've had a really good experience using the Ava app! It's easy to use, convenient, and makes everything simple to navigate. The app has been very helpful, and I like how smooth and user-friendly the experience is. I would definitely recommend Ava to anyone looking for a reliable and helpful app! ### 5/5 — Ecstatic! *2026-08-15, version 5.1.5831* Since I’ve gotten the AVA credit app my score has gone up over a 100 pts. Definitely has helped me on me credit rebuilding journey. ### 3/5 — Virtual only *2026-08-15, version 5.1.5831* Make a physical card available! ### 5/5 — CREDIT GOING UP *2026-08-15, version 5.1.5831* AWESOME ### 5/5 — Highly recommend *2026-08-13, version 5.1.5831* I’m so thankful to be a member! While using Ava, my score has increased by a whopping 128 points! I have made so much progress! I highly recommend using one of their subscription services. Increasing your score has never been easier. ### 5/5 — Credit *2026-08-12, version 5.1.5831* Ava really helped raise my credit score been using it 6 months and have got a 68 point increase definitely recommend ### 5/5 — Great way to build credit!!! *2026-08-11, version 5.1.5831* This app is great for multiple reasons it monitors my credit debt and give me personal offers for many things. I highly recommend this app to anyone look to get a increase to there credit score ### 5/5 — SoundCloud plus merchant? *2026-08-11, version 5.1.5831* Great app for building credit. ### 5/5 — Progress *2026-08-10, version 5.1.5831* Ava has truly helped my score rise in less than three months seriously. I’d recommend anyone to use this app. ## Most critical reviews (10 lowest-rated) ### 1/5 — Scam identity Thieves *2026-09-06, version 5.1.6900* These predators should be outlawed ### 1/5 — Horrible *2026-09-04, version 5.1.6626* Can’t use the card on anything except like 10 random merchants you’d never use (abc mouse is an example) they will not give you the credit they say they will and overall extremely misleading. Basically paying $50 for nothing ### 1/5 — Waste of time *2026-08-31, version 5.1.6626* This app was a complete waste of time, they cannot verify my identity because my address I put in flagged, but yet I cannot update any info to fix the issue and how is my address flagged when it’s the only address I have been at for the past 10 years 🙄 ### 1/5 — No credit check yet says add social to check credit *2026-08-31, version 5.1.6626* Smh no credit check liars ### 1/5 — Misleading *2026-08-20, version 5.1.5831* Extremely Misleading – I Regret Paying $60 I am extremely disappointed with Ava and honestly feel like I was swindled into paying for the $60 annual membership. I originally paid the $10 monthly fee. After connecting my bank account, I was told I didn’t have enough qualifying accounts or activity and was prompted to upgrade to the annual membership for a higher credit limit. I paid the $60 annual fee with what little money I had available because I was under the impression that I would actually be able to USE the credit card. What they do not make clear upfront is that your “credit limit” and the amount you can actually spend are two completely different things. In my case, I can only spend up to $35, and the card cannot be used like a normal credit card. It is restricted to certain approved merchants, primarily subscriptions. You have to “unlock” spending, and there are limitations that I absolutely did not understand before paying. Had Ava clearly stated before taking my $60 that I would only have $35 available to actually spend and that the card could only be used with a limited list of approved merchants/subscriptions, I NEVER would have purchased the annual membership. Advertising a higher credit limit while not making the extremely limited actual spending ability equally clear feels incredibly misleading. A $1,000, $1,500, or $2,500 reported credit limit means something very different when the customer can only actually spend $35 at select merchants. I understand that this is a credit-building product, not a traditional credit card. That is not my complaint. My complaint is that these restrictions should be presented clearly BEFORE someone pays $60, not discovered afterward. I regret spending my money on this. Ava needs to be much more transparent during signup about the actual spend limit, merchant restrictions, and exactly what customers are getting before asking them to pay for an annual membership. ### 1/5 — Not worth the money *2026-08-11, version 5.1.5831* I feel like this app really wasted my money. I paid $96 for the trade line didn’t receive the trade line and you can never get in contact with anyone with any issues I don’t see any reflection of the trade line On my credit from using this app.. kickoff is a lot better. ### 1/5 — Don’t not get *2026-08-09, version 5.1.5831* I got this app and paid the $97 or whatever for the year. All I’m able to use if $50 for a merchant. I was approved for $1,300 and I cannot use the rest. They advertise about how much you’re approved for but can’t spend the money this is a total scam. Also I despise the fact they do not have a 1-800 number so you can speak with a live person. I despise the fact that everything is done by email only. Furthermore no website or place you can try to use the money. This is a total ripoff. Update I spoke with someone today. This is the worst card anyone can get. This is a bait and switch false advertisement. If none of you don’t believe then you all are going to have to find out for yourselves. I will be filing a complaint against this company with the BBB. ### 1/5 — Error *2026-08-08, version 5.1.5831* Some reason after signing up, it says that I can’t verify my identity and there’s no way for me to contact anybody to fix it ### 1/5 — Get 50$ if not approved??? *2026-08-08, version 5.1.5831* Total lie. Didnt get approved and now my information is just out there with no compensation for my time. ### 1/5 — Horrible *2026-08-04, version 5.1.5831* Horrible customer service! I’m convinced the good reviews are bots. ## Most praised reviews (10 highest-rated) ### 5/5 — Credit Builder *2026-09-09, version 5.1.6900* I’ve been with Ava for about 4 months, credit went up 66 points, I can’t Thank Ava enough. If you are looking for a way to build your credit, Ava is the way to go! ### 5/5 — Ava: Build Credit Fast *2026-09-09, version 5.1.6900* I have had a great experience with Ava credit builder, and it has built my credit substantially ### 5/5 — Great Company *2026-09-05, version 5.1.6728* My score has increased 200 points good company ! ### 5/5 — Credit building customer *2026-08-27, version 5.1.6626* Excellent Experience with Ava Financial I had an exceptionally positive experience with Ava Financial. From the beginning through the completion of my account, the company handled everything professionally and responsibly. I especially want to recognize the Ava customer support team. Whenever I needed assistance, they were helpful, respectful, responsive, and professional. Their level of customer service made my experience with Ava even better. After successfully completing my account, Ava reported the loan as paid with a zero balance. I was very pleased to receive notifications confirming the positive activity and that the account had been paid in full. It was a great way to complete the relationship. I truly appreciate a financial company that not only provides a useful service but also treats its customers with professionalism and follows through properly at the end of the account. Thank you to Ava Financial and the entire support team for the exceptional service and a very positive experience. I highly recommend Ava to others who are working responsibly on building their credit. ### 5/5 — Great card to help you out. *2026-08-27, version 5.1.6626* My credit went up 86 points in 2 weeks. ### 5/5 — Great app *2026-08-23, version 5.1.5831* Great app it definitely helps me with my credit I recommend it ### 5/5 — Exceptional. *2026-08-23, version 5.1.5831* Ava has increased my credit score by 66 points total JUST on a month and change usage. Not sure why I didn’t get on sooner. The annual plan is affordable, and so are the monthly in order to get up and raise your score higher. ### 5/5 — App *2026-08-20, version 5.1.5831* Great app. ### 5/5 — This is the way to build/rebuild credit *2026-08-20, version 5.1.5831* I’ve had Ava for only 2 months and my credit score is up 99 points!! I’m glad I chose this company. ### 5/5 — Best credit booster *2026-08-19, version 5.1.5831* While using this credit builder I have seen a great improvement in my credit it has literally went up tremendously. If you looking for a credit boost this is the app you need ! I recommend them . --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-13.*