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Pave: The Proper Path to Good Credit

Join the hundreds of thousands building credit with Pave. Open your account in less than 3 minutes!
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Iphone mockup with a credit score of 623 being shownAward icon for Pave, for BEST NEW PERSONAL FINANCE APP

Over 80%* of our Plus tier customers
improve their credit scores by 3 points.
Here’s how

Personalised credit fixes
We give you personalised actions to improve your score fastest, and keep you updated every month
Automatic credit building
We share your credit utilisation and payment history with credit bureaus to actively build your credit score
*Represents members that have been with Pave for at least 6 months and taken all actions listed in the Pave app and did not add any negative markers to their credit file.

What makes our solution better

1% APR
£0 hidden fees
Credit expert support
5 days a week
No hard credit checks
No trying to sell you
more debt or credit cards
Award winning product
with top reviews

A 30 point score increase could save you thousands in interest fee payments

£20,000+
on a £400,000 mortgage
Learn more

How does the Pave credit builder work?

Personalised credit fixes
We analyse your credit file and show personalised actions to build credit health most efficiently
Automatic Credit builder
Every month we share your account behaviour with the Credit Reference Agencies. Positive usage of our app can start building your credit score.
Improve your credit utilisation
Your credit utilisation makes up 30% of your credit score. Our inbuilt credit line helps you pay bills and improve your credit utilisation.
Improve your payment history
Your payment history counts for 35% of your credit score. Pave's inbuilt credit line also helps you improve this.
Start improving now

Our Memberships

Credit Spotlight
£4
ONE OFF
360 summary of how lenders see your file
Identify the best fixes for your credit score
See how our Plus membership could help you build credit
LITE
£6
MONTHLY
Automatically build your credit with TransUnion
PLUS
£10
MONTHLY
Automatically build you credit with all 3 Credit Report Agencies
Prioritised monthly assessment of fixes for your credit file
See & track your TransUnion credit score
Note: If you have had a CCJ, IVA or Bankruptsee in the past 12 months, Pave may not be able to help. Read more
Learn more

Join the Pave Party

More than 3,000,000 of people are using Pave.

Here’s what our users say

Trustpilot

FAQ

How does Pave build my credit score?

Pave can build your credit score in three ways. None of these require a hard credit check, and can help if you are new to credit or looking to build your credit.

Free: After you connect a bank account, we scan your account for recurring subscriptions and bills. We then send smart alerts to encourage on-time payments of your recurring expenses. This shows you can repay expenses on time and in full, and can help build your credit score. Read More...

Is Pave safe?

Pave can build your credit score in three ways. None of these require a hard credit check, and can help if you are new to credit or looking to build your credit.

Free: After you connect a bank account, we scan your account for recurring subscriptions and bills. We then send smart alerts to encourage on-time payments of your recurring expenses. This shows you can repay expenses on time and in full, and can help build your credit score. Read More...

What is my credit score?

Pave can build your credit score in three ways. None of these require a hard credit check, and can help if you are new to credit or looking to build your credit.

Free: After you connect a bank account, we scan your account for recurring subscriptions and bills. We then send smart alerts to encourage on-time payments of your recurring expenses. This shows you can repay expenses on time and in full, and can help build your credit score. Read More...

What credit score does the Pave app show?

Pave can build your credit score in three ways. None of these require a hard credit check, and can help if you are new to credit or looking to build your credit.

Free: After you connect a bank account, we scan your account for recurring subscriptions and bills. We then send smart alerts to encourage on-time payments of your recurring expenses. This shows you can repay expenses on time and in full, and can help build your credit score. Read More...

How does Pave get my credit file information?

Pave can build your credit score in three ways. None of these require a hard credit check, and can help if you are new to credit or looking to build your credit.

Free: After you connect a bank account, we scan your account for recurring subscriptions and bills. We then send smart alerts to encourage on-time payments of your recurring expenses. This shows you can repay expenses on time and in full, and can help build your credit score. Read More...

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