Your application wasn’t approved by a lender.
You could have a better chance of getting approved
with a better credit score.
with a better credit score.
Get better credit.
Improve your score with Pave
99%* of our customers with good credit habits improve their scores.
*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.
Pave cannot guarantee an increase in your credit score.
Building credit isn't a piece of cake
But 99% of our customers with good credit habits improve their scores.
Here's how:
Here's how:
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Build your credit score
We’ll build your credit history with the 3 major UK credit reference agencies (Plus only).
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Track your progress
We're the only UK service that shows your both your TransUnion and Equifax credit scores to help you see your score changing.
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Pay your bills on time
We’ll remind you when your bills are due so you can pay on time and protect your score.
Learn how to protect your score
We'll give you personalised tips on how to fix issues in your credit file, and 7-day-a-week support from a real human.
Win cash prizes
Earn spins for completing personalised challenges for a chance to win cash prizes.
*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.
Save up to £690+ per year with an excellent credit score
A poor credit score puts you at risk of paying an extra £693 interest each year on the typical credit card balance.
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Boosting your credit score from poor to excellent can save you up to £692.16 per year¹.
That’s 5 weeks’ worth of food shop for an average family of 4 in the UK².
¹Based on calculations done by Moneycomms.co.uk, commissioned by TotallyMoney
²Average UK Household Cost of Food 2024 by NimbleFins
²Average UK Household Cost of Food 2024 by NimbleFins
Our Memberships
Start your credit building journey with Lite or Plus
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LITE
£5
MONTHLY
Our entry level plan
Build your score with TransUnion
Bills advance for eligible bills
Support from a Credit Specialist
PLUS
£9
MONTHLY
Our comprehensive improvement plan
Build your score with TransUnion
Build your score with Equifax
Build your score with Experian
Personalised tips to improve your score
Bills advance for eligible bills
Support from a Credit Specialist
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.
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Don’t just take our word for it
See what people are saying about Pave
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Kim L.
I have only been with Pave for a very short time and...
I have only been with Pave for a very short time and my score has already increased by 178 points
I have only been with Pave for a very short time and my score has already increased by 178 points
Em D.
I got Pave to help with my credit scoring, I like the spins you can win for making on time payments and the treats that come from it... Its also good to see how to improve your credit and good explanations of what the information you're looking at means.
Jake
Amazing, Stumbling across pave was a life changer. I've always struggled with my credit score and pave has given me motivation to better myself with money and my credit score....I would definitely recommend pave even if you have a good credit score. Thanks pave!
Nathan Hoy
My credit was so low I couldn't even...My credit was so low I couldn't even get a £10 a month SIM only contract from a phone network provider.Since using Pave my credit score has gone up l've been able to apply for phone and tablet contracts etc.Pave is great and recommended l've been using it for 3 years.
Justin Williams
Amazing credit build upI started off with a thin credit file report that was non existence, through pave over a period of 1.5 years it has developed to a respectable level from 329 to its current 593 and that continues to improve every month...If you have a bad credit report I would HIGHLY suggest and advice you to give it a go.
Shauna M.
Excellent! Download now!I have used a lot of these before to help me but nowhere comes close to Pave. It is definitely the best. And I love the cute little reminders of when I save every month. It's definitely nice to see the hard work going in. Also l'd like to say how well the app looks and how easy it is to get to where I need to
Join Pave
Join over 500,000 other people to move your credit forward