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Review summary

Created with AI, based on recent reviews

Looking at 670 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently highlight the app's user-friendliness and its effectiveness in helping them improve their credit scores, with many reporting significant increases. People appreciate the clear guidance, easy-to-understand interface, and the ability to track progress and receive helpful insights. However, some customers experienced issues with payments and subscriptions, including difficulties changing payment accounts and unexpected card number changes. A few also expressed dissatisfaction with the limitations on credit access despite being given a credit limit.

What people talk about most

User experience

Customers had positive experiences with user experience. Many reviewers praise the app's user-friendly... See more

Application

People report positive experiences with the app. Many customers praise its user-friendliness and ease of use,... See more

Payment

Reviewers mention ambiguous feedback about payment. While some customers praise the service for helping to... See more

Subscription

Reviewers highlight ambiguous aspects of subscription. While some customers appreciate the ability to put all... See more

Product

Consumers find the product to be positive, particularly praising its effectiveness in credit building. Many... See more

Reviews shaping this summary

Rated 5 out of 5 stars

I’ve been using Ava now for a few months and my credit score has went up by 79 points. I’m honestly amazed by my results. I really love how user friendly the app is. The alerts and insights keep me on... See more

Rated 5 out of 5 stars

Since joining the Ava app, my credit score has increased by 147 points, and I honestly couldn’t be happier. Ava made it easy to understand what was hurting my credit and showed me clear, realistic s... See more

Rated 5 out of 5 stars

Ava Finance has been extremely helpful for rebuilding my credit. Since I started using the app, my score has increased by over 100 points. The guidance is clear, the interface is easy to understand,... See more

Rated 5 out of 5 stars

⭐️⭐️⭐️⭐️ Amazing Experience with Ava Finance! I can’t say enough about how incredible my experience has been with Ava Finance. In just one week, my credit score jumped 137 points — something I n... See more


Company details

  1. Non-Bank Financial Service
  2. Alternative Financial Service
  3. Credit Counseling Service
  4. Financial Institution
  5. Financial Planner

About Ava Finance

Written by the company

Ava is a fintech startup, founded by seasoned experts of the credit industry with the goal of helping people pay the lowest cost on their debt by building their credit easily with an automated credit building app.

We offer a host of credit-building products and debt management tools for as low as $6 a month.

We make a commitment in making our products accessible and affordable to our customers, along with providing all of our services with no interest, no hidden fees, and no hard credit checks.


Contact info

4.7

Excellent

TrustScore 4.5 out of 5

3K reviews

5-star
4-star
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1-star

Replied to 81% of negative reviews

Typically replies within 48 hours

How this company uses Trustpilot

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Rated 5 out of 5 stars

My credit score went up 112 points

My credit score went up 112 points, in one year. All I use my Ava card for is Netflix. I can’t believe paying Netflix on time each month, has given me such a raise in my credit score. Highly recommend Ava Finance.

April 5, 2026
Unprompted review
Rated 5 out of 5 stars

Wow!

I am amazed so far. Score up 71 points in 2 months from making on time payments and all of my payments aren’t even being registered. I do Wish they would support more card and rent places however, this is still amazing

April 3, 2026
Unprompted review
Rated 1 out of 5 stars

DO NOT SIGN UP

Yes, my credit has increased too 700+, however, I can’t say it’s specifically due to Ava as I started to use multiple credit building platforms around the same time. My issue is that in the nearly 2 years that I’ve had the account I missed one payment February 2025, and they refused to work with me and adjust it based off of good faith and the perfect payment history outside of this one payment. Their reasoning is they want to uphold their “integrity”?? As you can imagine if there was a bank issue, weren’t the only creditor that was impacted, yet everyone else was willing to work with me due to my payment history, including fortune 500 companies. So does that mean, they lack integrity? It was a simple mistake, and after multiple emails, and months of trying, they still will not work with me. I would say to take your money to a different company that is willing to work with their customers such as Kovo and Kikoff.

Also, Ava advertises that you can use this credit card for certain subscriptions, but it’s a max of $30 per month and it NEVER increases.

At this point if they do not update the late day that I will be closing my account. There’s no point in too many other companies to use that will work with you if need be.

November 2, 2025
Unprompted review
Rated 4 out of 5 stars

Ava has helped me a lot with rebuilding…

Ava has helped me a lot with rebuilding my credit. But if somehow you are late on a repayment it’s very difficult to fix that. They want you to pay a fee for doing it with a debit card. And sometimes they want 2 payments. So just be cautious and on top of getting your payments in on time.

August 2, 2025
Unprompted review
Rated 2 out of 5 stars

I used the serive and my credit score…

I used the serive and my credit score wet up but after a year i decided to pivot from Ava. They charged me the 1 year renewal and i immediately canceled and requested a refund. They responded asking for appropriate information and once provided they never got back to me. I went back and sent several email following and they said they would get to it. Its been a few weeks and several phone calls leading directly to voice mail and they have ghosted me. I spoke to Aaron and Lorey and they were not good at resolving this. Beware anyone , not good customer service

March 12, 2026
Unprompted review
Ava Finance logo

Reply from Ava Finance

Hello Miguel,

4/3: Thank you for providing your email, phone number and name. We were unable to locate an Active Ava account with the details provided. Our records returned an incomplete application from March 2025. Please have the account holder contact us directly from the registered email address at support@meetava.com for additional assistance.

Thank you

4/2: We're sorry to hear about your experience. We have requested more information to be able to locate your account and communications with our team.

Please provide at your earliest convenience.
Best,
Ava

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