Build Credit

Join the hundreds of thousands building credit with Pave. Get started in less than 3 minutes!
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APPLE IOS DOWNLOAD THE APP image
Android Download the PAve App image
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Building credit isn't a piece of cake.
But over 90% of our customers improve their scores. Here's how:

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Learn
Learn about what actually impacts your credit score, and actions you can take to improve it, using our in-app insights and 7 days a week Credit Expert support, available through WhatsApp
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Protect
Connect your bank account to keep track of your bills across and get alerts that help you make payments on-time, and prevent your score from getting damaged
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Build
If you're short on cash, we may be able to lend you money (interest-free) to help pay your bills. Paying back what we lend you on-time helps build your credit score too. Subject to approval
The 90% number represents Pave Plus customers that have been with Pave for at least 6 months who have taken all actions listed in the Pave app & did not add any negative markers to their credit file. Pave cannot guarantee an increase in credit score and results can vary

What makes our solution better

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0% APR
£0 hidden fees
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Credit Expert WhatsApp support
7 days a week
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No hard credit checks
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No trying to sell you
more debt or credit cards
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Actively build
your credit score
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Award winning product
with top reviews
T&Cs apply. See here

Find out how much a better credit score could save you. 

Try our savings calculator
Research conducted in 2022 by Pave assuming an increase from 600 to 700 point Experian credit score. More information can be found here.

Why is Pave effective at building credit?

Gives you efficient credit fixes
We analyse your credit file and give you personalised credit fixes. You can also ask our Credit Experts any question you have via Whatsapp.
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Helps you never miss a payment
We connect to your bank accounts and remind you when bills are coming up to help you make on-time payments and protect your credit score.
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Improves your credit usage
Your credit usage makes up 30% of your credit score. Pave helps improve your credit usage by opening a credit line for you, subject to approval.
Improves your credit history
Your credit history makes up 35% of your credit score. Pave helps improve your credit score by sharing your payment history with Credit Reference Agencies.

Our Memberships

LITE
£5
MONTHLY
Our entry level plan
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Build your score with TransUnion
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Bill alerts and protection to actively build your score
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WhatsApp based support seven days a week
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Track your TransUnion credit score
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No hard credit check
PLUS
£9
MONTHLY
Our advanced improvement plan
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Build your score with TransUnion, Experian and Equifax for best coverage
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Bill alerts and protection to actively build your score
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WhatsApp based support from a Credit Expert seven days a week
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Track your TransUnion credit score
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No hard credit check
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Build your score with prioritised credit score fixes
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Your money back after 12 months if your score doesn’t improve - full terms here
Important note: If you have had a CCJ, IVA or Bankruptcy in the past 12 months, Pave may not be able to help.

Join Pave and move yourself forward

More than 400,000 people are using Pave.
APPLE IOS DOWNLOAD THE APP image
Android Download the PAve App image
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FAQ

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How does Pave build my credit score?
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Is Pave safe?
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What is my credit score?
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What credit score does the Pave app show?