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

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

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

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

0% APR
£0 hidden fees

Credit Expert WhatsApp 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. You can also ask our Credit Experts any question you have via Whatsapp.

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.

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.

Start building now