Build Credit

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 99% of our customers with good credit habits improve their scores. Here's how:

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Monitor Score Progress
Track both your Transunion and Equifax credit score and credit file in the Pave app, and see personalised tips on how to improve. Pave is the only app in the UK that lets you see two credit scores in the same place.
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Active Credit Building
Open a credit builder account with us that helps improve your payment history and credit utilisation. Your payments are reported to the three major UK credit bureaus with the Plus membership to build your score (Experian, Equifax, TransUnion).
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Smart Protection
Connect your bank account to keep track and get alerts on priority bills that could impact your credit score, to help you make on time payments to 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.
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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 99% 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

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0% APR
and no 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
T&Cs apply. See here

How much could a good credit score save you in fees?

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Save £650+ in interest
every year on an average credit card balance

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.
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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.
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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

LITE
£5
MONTHLY
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Build your score with TransUnion
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Priority bill alerts and protection for your score
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WhatsApp and email based support from Credit Experts seven days a week
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Track your TransUnion credit score
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Rewards for paying bills on-time
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No hard credit check
PLUS
£9
MONTHLY
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Build your score with TransUnion, Experian and Equifax for best coverage
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Priority bill alerts and protection for your score
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WhatsApp based support from Credit Experts seven days a week
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Track your TransUnion and Equifax credit score
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Rewards for paying bills on-time
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No hard credit check
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Your money back after 12 months if your score doesn’t improve - full terms here

Join Pave and move yourself forward

More than 500,000 people have joined 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?