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 $5/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 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 Patriot Bank, N.A., 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

I wasn't able to fully use the Ava Loan feature because the app kept showing an error message and would log me out. I received an email requesting my ID and submitted it within minutes, but I never received any follow-up or assistance to resolve the issue. I did benefit from having my bills reported, which helped add positive points to my credit score. However, I became skeptical because I wasn't able to access or use all of the benefits offered through the app. I was really looking forward to

very misleading. Does not clarify that you cannot use this "credit line" for anything until AFTER you pay the fee. It will tell you you are approved for a large amount and then after you pay and set everything up you can only actually use it for $30-50 a month and it can only be used for subscription services. I get the whole credit building thing but they need to be very upfront about restrictions and exactly what the "use" is. Makes no sense to pay out of pocket for funds you can't access.

charges a fee for a credit building card you can only use on monthly subscription based things, and not even all of them. Also charges a cancellation fee. generally just kind of bad, if you genuinely need help or in a pinch look elsewhere. They will not help you. looking forward to the automated response that will be posted to this review, offering nothing

What’s new

Bug fixes and performance improvements