{"app_store_id":1584183782,"slug":"ava-build-credit-fast-1584183782","name":"Ava: Build Credit Fast","subtitle":"Save Money with Lower Interest","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/eb/46/91/eb469112-0cd6-708b-f784-c9054200ace4/productionAppIcon-0-0-1x_U007emarketing-0-8-0-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/ava-build-credit-fast/id1584183782?uo=4","price":0,"currency":"USD","rating":4.89576,"rating_count":50554,"in_app_purchases":false,"recent_rating":3.55,"recent_review_count":20,"reviews_checked_at":"2026-10-12T02:18:53.429Z","primary_genre":"Finance","version_date":"2026-10-15T17:52:09Z","updated_at":"2026-10-19T08:04:12.214Z","stale":false,"missing_since":null,"one_liner":"Finance app that offers a Credit Builder Card, a secured Save & Build Credit Account, and free monthly credit reports…","verified_maker":false,"maker_site":null,"file_size_bytes":163615744,"minimum_os":"15.0","content_rating":"4+","language_count":4,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/60/5f/fd/605ffd17-8ddc-a279-77a2-15f216815625/iphoneb1-50.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/e1/13/59/e11359ba-00d8-8797-8a10-57492e36e35b/iphoneb2.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/44/7f/94/447f948a-589a-0bdb-7ddb-b7558bcb0291/iphoneb3.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/6e/d3/29/6ed32981-1f3c-fe16-c5b7-bf57ef7b5505/iphoneb4.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/49/11/a1/4911a14c-45bd-eac8-ad95-db6b0caa2af0/iphoneb5.png/320x480bb.jpg"],"developer_name":"Ava Finance, Inc.","editors_choice":false,"url":"https://apptierlist.com/apps/ava-build-credit-fast-1584183782/","api_url":"https://apptierlist.com/api/v1/apps/ava-build-credit-fast-1584183782","schema_version":"1.0","generated_at":"2026-10-19T21:43:14.254Z","data_as_of":"2026-10-19T19:01:11.543Z","description":"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.\n\nWhy Ava, you ask?\n\nQuick 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.** \n\nStill not convinced? There's more.\n\nEasy Setup: Get started in less than 5 minutes.\n\nTransparent Pricing: Starting at just $5/month for the annual plan, Ava offers a simple, affordable route to better credit history.\n\nWith Ava, you can expect:\n- No hidden fees\n- 0% interest\n- Instant account set up with no credit check\n- 0 deposit/collateral required\n\nIncluded in our simple pricing are:\n\nAVA CREDIT BUILDER CARD:\nThe 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.***\n\nSAVE & BUILD CREDIT ACCOUNT:\nThe Save & Build Credit Account is a secured loan that helps you save money while adding an additional credit line to your report. Start with just $25/month, make on-time payments for 12 months, and get back $300. Zero interest. Origination fee in some states.**** \n\nA pattern of positive payment history may help strengthen your credit profile over time.\n\nFREE MONTHLY CREDIT REPORT\nStay 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.\n\nDEDICATED CUSTOMER SUPPORT\nNeed help? Our dedicated support team is here to help. Contact us at support@meetava.com.\n\nAva 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.\n\n\n* 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/\n\n** 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.\n\n***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. \n\n****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.","facts":{"developer_id":1584183784,"developer_url":null,"first_released":"2021-11-15T08:00:00Z","support_url":"https://meetava.com/contact","privacy_url":"https://meetava.com/privacy","website_url":null,"app_version":"5.1.7400","release_notes":"Bug fixes and performance improvements.","rating_current_version":4.89576,"rating_count_current_version":50554,"star_counts":[772,114,280,1280,48108],"genres":["Finance"],"languages":["EN","FR","DE","PL"],"content_advisories":null,"device_families":["iphone","ipod"],"chart":{"name":"top-free Finance","position":129}},"freshness":{"apple_read_at":"2026-10-19T08:04:12.214Z","catalog_read_at":"2026-10-19T08:04:12.214Z","reviews_checked_at":"2026-10-12T02:18:53.429Z","summary_written_at":"2026-10-14T08:41:53.731Z","placed_at":"2026-10-09T03:59:53.925Z","scored_at":"2026-10-19T19:01:11.543Z"},"editorial":{"one_liner":"Finance app that offers a Credit Builder Card, a secured Save & Build Credit Account, and free monthly credit reports…","what_is":"Ava is a free-to-download finance app for building positive credit history, which the listing says may help improve a credit score over time. It includes the Ava Credit Builder Card for paying online subscriptions and bills, a Save & Build Credit Account secured loan, and free monthly credit reports in the app.","good_for":["Building credit history without a credit check","Paying recurring online subscriptions and bills with a card","Reviewing credit report factors like utilization and on-time payments"],"pricing":"Ava: Build Credit Fast is free, with no in-app purchases on the App Store.","faq":[{"q":"Is Ava free to download?","a":"The App Store listing shows the price as free. The description says pricing starts at $5/month for the annual plan."},{"q":"Is a credit check required to sign up?","a":"The listing says instant account setup with no credit check, no deposit or collateral required, and no hidden fees."},{"q":"Is Ava a bank?","a":"The listing states Ava is not a bank but a technology company that partners with banking service providers. The Ava Credit Builder Mastercard is issued by Patriot Bank, N.A."}],"model":"claude-haiku-5-5","created_at":"2026-10-14T08:41:53.731Z"},"memberships":[{"list":"credit-building","list_name":"credit building","list_status":"active","list_url":"https://apptierlist.com/best/credit-building/","position":10,"tier":"B","score":84.2,"components":{"rating":97.9,"votes":87,"rank":52,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-09T03:59:53.925Z"}],"main_list":"credit-building","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":135671,"at":"2026-10-17T01:33:13.388Z","kind":"tier_changed","list":"credit-building","app_store_id":1584183782,"app":"ava-build-credit-fast-1584183782","from":"A","to":"B","reason":"rank shift: #11, score unchanged at 84.2, tier full (a quarter of the list)","job":"rescore"},{"id":122657,"at":"2026-10-16T06:10:51.816Z","kind":"tier_changed","list":"credit-building","app_store_id":1584183782,"app":"ava-build-credit-fast-1584183782","from":null,"to":"A","reason":"checked from the list's side: ranked #9","job":"rescore"},{"id":107101,"at":"2026-10-15T15:15:01.036Z","kind":"tier_changed","list":"credit-building","app_store_id":1584183782,"app":"ava-build-credit-fast-1584183782","from":"A","to":null,"reason":"under review: not checked from the list's side yet","job":"rescore"},{"id":79570,"at":"2026-10-14T13:36:19.778Z","kind":"tier_changed","list":"credit-building","app_store_id":1584183782,"app":"ava-build-credit-fast-1584183782","from":"C","to":"A","reason":"score 84.2","job":"rescore"},{"id":66982,"at":"2026-10-13T00:23:55.210Z","kind":"tier_changed","list":"credit-building","app_store_id":1584183782,"app":"ava-build-credit-fast-1584183782","from":"D","to":"C","reason":"score 84.2","job":"rescore"},{"id":46397,"at":"2026-10-09T17:18:33.693Z","kind":"tier_changed","list":"credit-building","app_store_id":1584183782,"app":"ava-build-credit-fast-1584183782","from":"F","to":"D","reason":"score 84.2","job":"rescore"},{"id":38749,"at":"2026-10-09T08:38:03.422Z","kind":"tier_changed","list":"credit-building","app_store_id":1584183782,"app":"ava-build-credit-fast-1584183782","from":null,"to":"F","reason":"score 71.2","job":"rescore"},{"id":32383,"at":"2026-10-09T03:59:53.925Z","kind":"membership_added","list":"credit-building","app_store_id":1584183782,"app":"ava-build-credit-fast-1584183782","from":null,"to":"active","reason":"Core purpose: the Credit Builder Card and Save & Build Credit Account report on-time payments to build credit history and raise scores.","job":"fill"},{"id":24378,"at":"2026-10-09T03:10:04.928Z","kind":"app_added","list":null,"app_store_id":1584183782,"app":"ava-build-credit-fast-1584183782","from":null,"to":null,"reason":"discovered","job":"fill"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"credit-building","list_name":"credit building","status":"active","review_status":"checked","position":10,"tier":"B","score":84.2,"components":{"rating":97.9,"votes":87,"rank":52,"recency":100},"ranks":[{"country":"us","rank":1}],"verdicts":[{"verdict":"keep","reason":"Ava's core purpose is credit building. It offers a credit builder card and a secured savings loan that report payments to build credit history, the same model as Self.","verifier":"list check","decided_at":"2026-10-16T06:04:51.822Z","attempts":1,"current":true},{"verdict":"keep","reason":"Core purpose: the Credit Builder Card and Save & Build Credit Account report on-time payments to build credit history and raise scores.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-09T03:59:53.925Z","attempts":1,"current":false}]}]},"data_version":38235,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/ava-build-credit-fast-1584183782/"}}