I've been using Pave for well over a year and my credit score has not only gone up but I've gained much more awareness of my habits. I'm now on the road to sorting my spending habits to a stable... See more
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
See what reviewers are saying
Would have never trusted an "app" that increases your credit score but holy damn, it actually works! My credit score is super low atm due to cost of living yadda yadda and having to choose between foo... See more
I’ve been using the Pave app for a while, and I’m thrilled to see my credit score steadily improving. This month, my TransUnion score increased by 48 points, which feels like a great achievement! The... See more
Maria was super helpful in answering all the questions I had. She was especially helpful with fixing the payment date issues I was having across my transactions. Friendly and helpful guidance whe... See more
Company details
Written by the company
Pave offers a new way to build credit. Signing up takes under 3 minutes and there’s no hard credit check, interest or APR. Download the app to build your credit score with all major UK Credit Reference Agencies and see and track your credit score for £9/month.
Contact info
31a Great Sutton Street, EC1V 0NA, London, United Kingdom
- team@paveapp.com
- paveapp.com
4.7
Excellent
2K reviews
Replied to 50% of negative reviews
Typically replies within 24 hours
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Interface is very clear and intuitive.
5 September 2024
Unprompted review
Very easy to explore and use.
Very easy to explore and use.
My credit score increased as per briefing.
5 September 2024
Unprompted review
Great so far
Great so far, credit score is improving, the main thing is the apr is not high so it is looked a in good regard when applying for more ages etc, I tried loqbox and the apr was too high doing damage more than helping
4 September 2024
Unprompted review
It is a very good credit score app
It is a very good credit score app. Very comfortable, very easy.
3 September 2024
Unprompted review
Great app made my credit score better…
Great app made my credit score better over time thank you
9 August 2024
Unprompted review
Why I chose Pave.??
I chose Pave credit to help me sort out my bills and accounts as I needed a lot of help. Pave has given me an opportunity to see what needs work done and what is going correctly to help understand my financial...
1 July 2024
Unprompted review
PAVE 10/10
Pave is a great start if you have crap credit…
I use Pave alongside Zilch, Loqbox and Bits. I use my debit card and attach to my zilch credit card as the zilch card has an automatic autopay or pay in 3 (which is also a credit builder platform) and it allows me to manage all my credit builders through one credit builder (life hack :) ) best bet to boost credit very fast with more points is to use the apps mentioned above as they report to 3/3 credit bureaus. BIG P.S Make sure to pay on time lol it will mess you up… if you dont pay, all of these guys do report however there is some sort of grace for missed payments before they report you will br notified quiet alot.
If you have a poor credit and want drastic improvement i suggest downloading Pave NOW, its cheap and cheerful for what they offer and what they do for you in the long run. Think about it like this, £9 per month and a credit card company (pave) reports that you are keeping up with repayments to 2/3 credit bureaus, lenders begin to see you have financial literacy fast forward 6 months from now, you are guaranteed to be accepted for a credit card limit of £300 from an actual credit card company e.g. Aqua. This is literally the start of your credit journey :)
Shoutout to Pave, really innovative way to liberate the financially restricted people :)
9 August 2024
Unprompted review
trusted and reliable team who are happy…
trusted and reliable team who are happy to resolve queries promptly.
9 August 2024
Unprompted review
Easy to use and has made a big…
Easy to use and has made a big difference in my credit ! Will recommend everyone with low credit to use pave
9 August 2024
Unprompted review
I’d got a problem to connect my TU…
I’d got a problem to connect my TU record when I join the membership. The support team (Maria, thanks a lot)was responded very quickly and provided solutions for me. Luckily, issue was solved. Amazing! Hope Pave can help improve my CS and will share my experience later. Cheer.
3 August 2024
Unprompted review
Very helpful and supportive
5 August 2024
Unprompted review
I used pave for a whole year paying…
I used pave for a whole year paying it's monthly fee and not a single thing changed on my report. Pave literally took my money for a whole year for nothing...they skanked me.. Avoid at all costs .
3 August 2024
Unprompted review
Reply from Pave
Hi Emia,
We're sorry to hear that you are not seeing any changes on your credit report after a year of being a Pave member.
Your Pave membership is reported as a credit account and your monthly payment behaviour to Pave should reflect on your credit report. Depending on your membership, you can be reported to just one or all three credit reference agencies (CRAs). It is important that you are reviewing the credit report from the CRA to whom we reported you.
We hope you'd give us the opportunity to look into this. Could you please email us at team@paveapp.com with the email address that you signed up with so we can look at the information we reported to the CRAs throughout the course of your membership?
Thank you very much.
All the best,
The Pave Team
Absolutely brilliant company
Absolutely brilliant company! for me probably the best to help sort out your credit rating!! they know how to help you. It is not overly complex. They offer credit lines if in need to help cover bills. They make it fun even working on how to get better credit. So glad I came across them : )
31 July 2024
Unprompted review
I had a problem and Joe the agent was…
I had a problem and Joe the agent was great very helpful
25 July 2024
Unprompted review
I have joined pave since October they…
I have joined pave since October they are very helpful and friendly my points has gone up 50 points in 9 months
18 July 2024
Unprompted review
It kinda works but not really
The reality is, they report a credit of £150 against you. But your score cares about the usage of 1% to 25% of that amount. Your credit score is built up of various things, one of them being your usage trend. Since Pave is reporting zero usage, this really does not affect your score at all. Maybe by a few points, if that.
You're better off finding a credit card company that will give you an initial £200 credit, which if you use correctly (1% - 25% a month), you will not only see your score increase but your initial credit amount will increase substantially!
This in my opinion is not worth it, not for a 12 months subscription. You can built a better score in 12 months without such services.
7 July 2024
Unprompted review
Reply from Pave
Hi Alex,
Thank you for your feedback and I'm sorry to hear that you do not recommend Pave.
I would like to highlight that reporting the revolving credit line attached to a Pave membership is just one of the many features that help our customers build their credit history.
To get the best outcome, we recommend using all Pave Plus features as outlined below:
1. Credit Insights - monitors your credit report and recommends personalised actions to help you increase your score.
2. Pave Rewards - helps you develop healthy financial habits by giving you a chance to earn cash prizes for completing challenges, such as paying bills on time.
3. Bills Protection - allows you to access a pre-determined portion of your Pave credit line when you don't have enough funds to pay for an upcoming eligible bill (subject to eligibility)
I hope this helps you understand our approach to helping you achieve a healthy credit file. If you have any other questions, feel free to send us an email at team@paveapp.com.
All the best,
Maria
New User Experience
Even though I am a relatively new user, my experience so far has been great. The app is very user friendly with clear guidance on improving my credit health. I would highly recommend using it.
6 July 2024
Unprompted review
This app is amazing 🤩
This app is amazing it currently boasting my credit score it’s perfect just pay a tiny amount a month and let it run in the back ground it’s perfect 🤩
5 July 2024
Unprompted review
GREAT TEAM
Effective tool, easy process, great support, highly recommend!
30 June 2024
Unprompted review
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.