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!

Free for 14 days, then £9 per month

Start your 14 day free trial

Iphone mockup with a credit score of 623 being shown

Building credit isn't a piece of cake. But 99%* of our customers with good credit habits improve their scores. Here’s how:

Monitor Score Progress

Track both your TransUnion and Equifax credit scores 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.

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 to build your score (Experian, Equifax, TransUnion). This involves opening a credit line with Pave, for which you will need to sign a regulated credit agreement. To understand how this feature works, please see here for full details.

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. Subject to eligibility, please see here for full details.

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

0% APR
and no 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

T&Cs apply. See here

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

Save £20,000+ in interest

on a £300,000 mortgage

Learn more

How does Pave credit building work?

Gives you efficient credit fixes

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.

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.

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 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