We help you build credit and save money – automatically. It’s that easy.

Build credit by using less credit.

• No interest or fees. Instant approval. High credit limit is ideal for lowering your Credit Card Utilization (CCU) and increasing your credit score. Fast.

• Use your card to pay for online recurring expenses including Netflix, Spotify, Amazon and many more.

• We report your progress to all three credit bureaus. Scores can go up in as little as 30 days.

Build credit while building your savings.

• Set aside as little as $21 per paycheck in your locked Ava account.

• Build credit with every on-time payment.

• Access ALL your savings after completing the plan. It’s all yours. 0% interest!

Access your credit score to stay on track.

• Check your credit score weekly.

• Access insights into what's impacting your score.

• Get notifications when you fall behind on payments

Get a personal loan to pay down your credit card.

• Credit card debt is a rip off.

• Get a personal loan through one of our partners. Instant decision. No gimmicks.

• With your higher credit score thanks to Ava, you may qualify for loans you never thought possible.

Save money with an AI assistant.

• Automatically looks for the lowest interest rates and monthly payments for you.

• Refinance existing debt or get the best deals without any work.

• Searches auto loans, credit cards and personal loans.