Build Credit

Join the hundreds of thousands building credit with Pave. Get started in less than 3 minutes!
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Iphone mockup with a credit score of 623 being shownAward icon for Pave, for BEST NEW PERSONAL FINANCE APP

Building credit isn't a piece of cake.
But over 90%* of our customers improve their scores. Here's how:

Learn
Through the app and with the help of our Credit Experts, learn about what actually impacts your credit score, and what actions you can take to improve it
Protect
Use the app to keep track of all your bills across all your accounts, so it's easy to make payments on time & prevent your score from damage
Build
If you're short on cash, we may be able to lend you money towards your bills. You only pay back what you borrow, and using the credit line we open for you actively builds your credit score. Subject to approval
*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

0% APR
£0 hidden fees
Credit Expert support
7 days a week
No hard credit checks
No trying to sell you
more debt or credit cards
Actively build
your credit score
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 March 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. Actions unique to you that are designed to help you improve your credit score in the most efficient way.
Helps you never miss a payment
We connect to your bank accounts and stay on top of your bills. We remind you when they are coming up and will open a credit line to help you pay them (subject to approval).
Improves your credit usage
Your credit usage makes up 30% of your credit score. Pave helps improve your usage by opening a credit line for you.
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
Build your score with TransUnion
Bill alerts and protection to actively build your score
Text based support seven days a week
Track your TransUnion credit score
No hard credit check
PLUS
£9
MONTHLY
Our advanced improvement plan
Build your score with TransUnion, Experian and Equifax for best coverage
Bill alerts and protection to actively build your score
Text based support from a Credit Expert seven days a week
Track your TransUnion credit score
No hard credit check
Build your score with prioritised credit score fixes
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 300,000 people are using Pave.
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Android Download the PAve App image

Here’s what our users say

FAQ

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