Pave - Build Credit

4.1
1.93K reviews
100K+
Downloads
Content rating
Everyone
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About this app

Pave helps you build credit the proper way without a hard credit check. Pave works with Experian, Equifax and TransUnion to build your credit score. Our credit builder works with you to improve your credit score every month and gives you personalised credit fixes so you can improve your score efficiently.

Pave Plus

Build your credit score with all major UK Credit Reference Agencies and track your TransUnion credit score in the app for £9/month.

How does Pave Plus work?

The Pave Plus credit builder helps:

- Your Experian score
- Your TransUnion score (also shown in the Credit Karma app)
- Your Equifax score (also shown in the ClearScore app)

Pave Plus gives you personalised monthly credit fixes and builds your credit score by sharing your positive on-time payment behaviour with Experian, Equifax and TransUnion. Your personalised credit fixes will refresh every month so you know exactly how you could improve your credit score. Pave also keeps you alerted for any upcoming bills that you are at risk of missing. Subject to eligibility* you may also be able to top up your bank account with our Bills Monitor service that helps you pay part of eligible bills. See the FAQs section on our website for information on eligibility and assessment criteria.

Pave Plus has a 12 month moneyback guarantee! If your credit score doesn't improve within 12 months, we will give you your money back. T&Cs apply - see paveapp.com.

Pave Lite

Pave Lite works in a similar way to Pave Plus, but builds your score with only TransUnion for £5/month.

Please note that credit score building takes time, and Pave cannot guarantee to build your credit score with our memberships. You can find more information on why Pave might not be the best fit for you in our website FAQs.

Reviews

"I love this app. When I first read the reviews, I wanted to try it. It was the best decision I've made. I needed to boost my credit score as I've recently moved to the UK. As you would imagine my credit score was very low but since using Pave for just a few months my credit score has improved a lot. Pave takes the fee out every month with no issues. I would recommend Pave to any and everybody. I wish I could give it more stars. Thank you so much Pave." - Zarah, Trustpilot

"My score has gone up 119 points! But guys... be patient. The app is super easy to use, and I personally find it really helpful. However.. there was no change to my score for the first 3 months. Then it jumped" - Mark - Trustpilot

"My credit history improved a lot. My Credit score was very low and I was rejected for everything even a sim contract. After my membership with Pave my score starting increase within three months. Then I got a contract along with a mobile. After that, I got a credit card. Pave was very helpful and the fee of member is very low. I will advise you to try it. You will feel the difference within three months." Imran - Trustpilot

"At first I was a bit skeptical about the app and the things they claimed to do. So I waited 4 months to see the results. All I can say IT WAS TOTALLY WORTH IT. I will continue to use the app to keep a healthy credit score. Thank you guys." - Arnold - Trustpilot

Support

https://support.paveapp.com

Pave Fintech Limited (trading as Pave) is authorised and regulated by the Financial Conduct Authority (ref. 828125 and 826665), and is VAT registered (GB 279861932). Credit facilities are provided by Pave Partner Services Limited (ref. 922751), which is an Appointed Representative of Pave Fintech Limited (trading as Pave).
Updated on
Feb 21, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, Financial info, and Device or other IDs
This app may collect these data types
Personal info, Financial info and 2 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.1
1.88K reviews
Melissa Cavanagh
April 19, 2021
Absolutely love this app. It was really difficult to establish myself in the UK, moving here just before the pandemic didn't help either. I heard about Portify from a friend and decided to try it. I definitely was sceptical at first but by the time I had made two payments, I was able to get catalogue credit. I just made my fourth payment today and have been approved for a "real" credit card from a major bank. I have only interacted with customer service a couple of times, not errors on their part, just general questions I had, and on both occasions the reps were polite, professional, and their answers were quick, clear and concise. Definitely worth the small monthly fee!
64 people found this review helpful
Cuypper
March 21, 2024
Cannot log in for 2 days now. No one is responding to my emails. Screen keeps saying Refreshing The App. If this continues I will be forced to file a complain with the financial ombudsmen. Not professional. Your twitter has not been updated since 2022! I should have known better!
Jasmin Issaka
April 3, 2022
I honestly thought this app would be different from the other ones. But its honestly no different except they charge. One thing I was hoping would be very up to date records of credit utilisation and bank balances. But they are just as slow updating as the rest maybe even slower. I've got 5 credit apps that updated and shot up in points, and this one is still the same as when I started. Even though I've cleared all my debts, and reduced credit and upped my overall cash balance.
100 people found this review helpful

What's new

Hello wonderful credit score building friends! This release contains even more bug fixes, because nobody likes critters crawling around in their app. Wishing you a wonderful bug free day!