Build Credit
The Proper Way
No Hard Check
For Under £10 a Month
Without Credit Card Debt
Join the hundreds of thousands building credit with Pave. Get started in less than 3 minutes!
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Building credit isn't a piece of cake.
But over 90%* of our customers with good credit habits improve their scores. Here's how:
Active Credit Building
Open a credit builder account with us that helps improve your payment history and credit utilisation. This information is reported to three of the major credit bureaus with the Plus membership (Experian, Equifax, TransUnion).
Smart Protection
Connect your bank account to keep track and get alerts on priority bills that could impact your credit score, to make on time payments that help build your credit score. You may also qualify for an advance to help pay eligible bills if you are at risk of missing a payment.
Supported Learning
Learn about what actually impacts your credit score, and actions you can take to improve it, using our mobile app insights and 7 days a week Credit Expert support, available through WhatsApp and Email.
* The 90% number represents Pave Plus customers who have been with Pave for at least 6 months, and taken all actions listed in the Pave app while not adding negative markers to their credit file such as late payments or defaults. Pave cannot guarantee an increase in your credit score.
Membership Benefits
0% APR
and no hidden fees
and no hidden fees
Credit Expert WhatsApp support
7 days a week
7 days a week
No hard credit checks
No trying to sell you
more debt or credit cards
more debt or credit cards
Actively build
your credit score
your credit score
Award winning product
T&Cs apply. See here
How does Pave credit building work?
Gives you actions, with support
We analyse your credit file to suggest actions that could help improve your score. You can also ask our Credit Experts questions via Whatsapp or Email.
Helps you manage priority bills
We connect to your bank accounts and remind you when bills that might impact your credit score are coming up to help you make on-time payments to protect your credit score.
Improves your credit utilisation
Your credit usage makes up 30% of your credit score. Pave helps improve your credit usage by opening a credit line for you, and sharing how you use this with Credit Reference Agencies.
Improves your payment 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
Credit Spotlight
£3
ONE OFF
Check if Pave Plus can build your score
Identify the best fixes for your score
See how our Plus membership could help you build credit
No hard credit check
LITE
£5
MONTHLY
Build your score with TransUnion
Priority bill alerts and protection for your score
WhatsApp and email based support from Credit Experts seven days a week
Track your TransUnion credit score
No hard credit check
PLUS
£9
MONTHLY
Build your score with TransUnion, Experian and Equifax for more coverage
Priority bill alerts and protection for your score
WhatsApp based support from Credit Experts seven days a week
Track your TransUnion credit score and get personalised insights
No hard credit check
Your money back after 12 months if your score doesn’t improve - full terms here
If you had a CCJ, IVA or Bankruptcy in the past 12 months, or could be at risk of getting one in the near future, Pave may not be able to improve your chances of getting approved for lending products in the near term. Click here to learn more.
Building credit isn't a piece of cake.
But over 90%* of our customers with good credit habits improve their scores. Here's how:
Active Credit Building
Open a credit builder account with us that helps improve your payment history and credit utilisation. This information is reported to three of the major credit bureaus with the Plus membership (Experian, Equifax, TransUnion).
Smart Protection
Connect your bank account to keep track and get alerts on priority bills that could impact your credit score, to make on time payments that help build your credit score. You may also qualify for an advance to help pay eligible bills if you are at risk of missing a payment.
Supported Learning
Learn about what actually impacts your credit score, and actions you can take to improve it, using our mobile app insights and 7 days a week Credit Expert support, available through WhatsApp and Email.
* The 90% number represents Pave Plus customers who have been with Pave for at least 6 months, and taken all actions listed in the Pave app while not adding negative markers to their credit file such as late payments or defaults. Pave cannot guarantee an increase in your credit score.
Join Pave and move yourself forward
More than 400,000 people have joined Pave.
Here’s what our users say
FAQ
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