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 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 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.

Start improving now