The Best Way To Build Credit Fast

Kovo vs Ava

Compare Kovo vs Ava installment credit builder accounts on what is most important for building credit.

Kovo

RECOMMENDED

Reports to all 4 credit bureaus

Experian, Equifax, TransUnion, Innovis

FICO® Score

Used by 90% of top lenders

Monitor the score lenders use

$10/mo flat rate

Clear, affordable pricing

No hidden fees

$0 fees. Period.

Can pay for itself

Opportunities to earn more than you pay

APPLY NOW

Ava

Reports to fewer bureaus

Doesn't report to all 4 bureaus

No FICO® Score

Doesn't track the most widely used score

$35/mo

Expensive, confusing pricing structure

Extra fees

$12 admin setup fee

Limited opportunities

Not designed to let you earn more than you pay

Side-by-Side Comparison

Kovo

Ava

Monthly payments

$10

$35

Admin setup fee

$12

Ranked #1 credit builder?

4-bureau reporting?

FICO® Score?

Can pay for itself?

A+ BBB rating?

4.9-star Trustpilot rating?

Choose Kovo

How Kovo Works

Boost your credit and unlock a better future.

1

Submit application

Get an instant decision with no credit check

2

Start with $10/mo

Autopay with no interest and no fees

3

Build your credit

See monthly reporting to all 4 credit bureaus

4

Earn cash rewards

Claim exclusive offers to reach your goals

GET STARTED

How Kovo Works

Boost your credit and unlock a better future.

1

Submit application

Get an instant decision with no credit check

2

Start with $10/mo

Autopay with no interest and no fees

3

Build your credit

See monthly reporting to all 4 credit bureaus

4

Earn cash rewards

Claim exclusive offers to reach your goals

GET STARTED

How Kovo Works

Boost your credit and unlock a better future.

1

Submit
application

Get an instant decision with no credit check

2

Start with
$10/mo

Autopay with no interest and no fees

3

Build your
credit

See monthly reporting to all 4 credit bureaus

4

Earn cash
rewards

Claim exclusive offers to reach your goals

GET STARTED

How Kovo Works

Boost your credit and unlock a better future.

1

Submit
application

Get an instant decision with no credit check

2

Start with
$10/mo

Autopay with no interest and no fees

3

Build your
credit

See monthly reporting to all 4 credit bureaus

4

Earn cash
rewards

Claim exclusive offers to reach your goals

GET STARTED

Customer Reviews

"LIFE SAVER! This is seriously the bee's knees. Went up over 100pts!"

Erick L

Chicago, IL

"I am so grateful to Kovo .. I see my credit score rising every month. Thank you 😊"

Derrol R

Cutler Bay, FL

"The best, highly recommended 💯%"

Roberto N

New York, NY

Customer Reviews

"LIFE SAVER! This is seriously the bee's knees. Went up over 100pts!"

Erick L

Chicago, IL

"I am so grateful to Kovo .. I see my credit score rising every month. Thank you 😊"

Derrol R

Cutler Bay, FL

"The best, highly recommended 💯%"

Roberto N

New York, NY

Customer Reviews

"LIFE SAVER! This is seriously the bee's knees. Went up over 100pts!"

Erick L

Chicago, IL

"I am so grateful to Kovo .. I see my credit score rising every month. Thank you 😊"

Derrol R

Cutler Bay, FL

"The best, highly recommended 💯%"

Roberto N

New York, NY

Customer Reviews

"LIFE SAVER! This is seriously the bee's knees. Went up over 100pts!"

Erick L

Chicago, IL

"I am so grateful to Kovo .. I see my credit score rising every month. Thank you 😊"

Derrol R

Cutler Bay, FL

"The best, highly recommended 💯%"

Roberto N

New York, NY

Common Questions

Can I use Kovo and Ava at the same time?

Is my account reported to all the credit bureaus?

Is there a credit check?

Are there any fees?

Is there a return policy?

Start building credit with Kovo

$10/mo • 0% APR • $0 fees • No Credit Check • 4-Bureau Reporting • FICO® Score • ID Monitoring • Cash Rewards

APPLY NOW

Start building credit with Kovo

$10/mo • 0% APR • $0 fees • No Credit Check • 4-Bureau Reporting • FICO® Score • ID Monitoring • Cash Rewards

APPLY NOW

Start building credit with Kovo

$10/mo • 0% APR • $0 fees • No Credit Check • 4-Bureau Reporting • FICO® Score • ID Monitoring • Cash Rewards

APPLY NOW

Start building credit with Kovo

$10/mo • 0% APR • $0 fees • No Credit Check • 4-Bureau Reporting • FICO® Score • ID Monitoring • Cash Rewards

APPLY NOW

Build Credit

APPLY NOW

Build
Credit

APPLY NOW

Build Credit

APPLY NOW

The Best Way To Build Credit Fast

The Best Way To Build Credit Fast

The Best Way To Build Credit Fast

The Best Way To Build Credit Fast

Kovo vs Ava

Kovo

Reports to all 4 credit bureaus

FICO® Score

$10/mo flat rate

No hidden fees

Can pay for itself

Ava

Reports to fewer bureaus

No FICO® Score

$35/mo

Extra fees

Limited opportunities

Side-by-Side Comparison

Kovo

Ava

How Kovo Works

1

Submit application

2

Start with $10/mo

3

Build your credit

4

Earn cash rewards

How Kovo Works

1

Submit application

2

Start with $10/mo

3

Build your credit

4

Earn cash rewards

How Kovo Works

1

Submitapplication

2

Start with$10/mo

3

Build yourcredit

4

Earn cashrewards

How Kovo Works

1

Submitapplication

2

Start with$10/mo

3

Build yourcredit

4

Earn cashrewards

Customer Reviews

"LIFE SAVER! This is seriously the bee's knees. Went up over 100pts!"

"I am so grateful to Kovo .. I see my credit score rising every month. Thank you 😊"

"The best, highly recommended 💯%"

Customer Reviews

"LIFE SAVER! This is seriously the bee's knees. Went up over 100pts!"

"I am so grateful to Kovo .. I see my credit score rising every month. Thank you 😊"

"The best, highly recommended 💯%"

Customer Reviews

"LIFE SAVER! This is seriously the bee's knees. Went up over 100pts!"

"I am so grateful to Kovo .. I see my credit score rising every month. Thank you 😊"

"The best, highly recommended 💯%"

Customer Reviews

"LIFE SAVER! This is seriously the bee's knees. Went up over 100pts!"

"I am so grateful to Kovo .. I see my credit score rising every month. Thank you 😊"

"The best, highly recommended 💯%"

Common Questions

Can I use Kovo and Ava at the same time?

Is my account reported to all the credit bureaus?

Is there a credit check?

Are there any fees?

Is there a return policy?

Start building credit with Kovo

Start building credit with Kovo

Submit
application

Start with
$10/mo

Build your
credit

Earn cash
rewards

Submit
application

Start with
$10/mo

Build your
credit

Earn cash
rewards