Ava Finance

Ava Finance, Inc.

About this app

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: 74% of members who subscribed to Ava within 7 days saw a credit score increase within the first two weeks of joining.** Among those members, some saw increases of 40+ points within three months.**

Still not convinced? There's more.

Easy Setup: Get started in less than 5 minutes.

Transparent Pricing: Starting at just $8/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 CREDIT BUILDER CARD:
The Ava Credit Builder Card allows you to pay for over 60 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 at least $25/month, make on-time payments for 12 - 24 months, and get at least $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 [e-mail].

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 Save & Build Credit Account. The Ava Credit Builder Mastercard® is issued 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/

** Data is for the period Jan 1, 2023 - Dec 31, 2023, and describes average outcome for members who subscribed to Ava, activated the Ava Card and were furnished to the bureaus within 7 days, and did not cancel their membership within 7 days of signing up. A credit score increase 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.

Ratings and reviews

not a very good first impression, can't even log into the damn app! I enter my email I click on the link in the email and it goes back to tell me to open the app when I do it takes me right back to the page where it wants to send to verification to my email, over, and over, and over, and over, and over again. fix it and I might give another chance, otherwise I'd tell people to stay away! any app that doesn't have its ducks in a row from the get-go, when dealing with your finances, no way!

If I could give 0 stars I would. I had an awful experience with customer service where they refused to help me with a drop of 44 on my credit score because the cards I have got declined for an $8 charge for Amazon prime!! Just ridiculous and scammy. I cancelled but according to them it was too late. Don't deal with this company. Cancelling doesn't matter, they will still automatically report you to the credit bureau regardless of a card being declined or not.

This app was recommend to me as way to pay my subscriptions. However, it's very misleading. Although there is a high credit limit.. There are very unusual restrictions. Why offer a high limit when only $25 can be used . Plus every time a payment is ran there is an issue. Customer service is nonexistent. Totally misleading and not worth it.

What’s new

Bug fixes and performance improvements