Avant’s Credit Builder Empowers Middle-Income Americans to Improve Their Financial Health

Free financial health tool provides personalized credit monitoring, month-to-month goal setting, actionable improvement insights, and fraud resolution services in the event of identity theft.

CHICAGO--(BUSINESS WIRE)--Avant, a financial technology leader focused on serving middle-income Americans, announced today the launch of Credit Builder, a free financial health tool that provides personalized daily credit monitoring, month-to-month goal setting, actionable insights to support credit improvement, and dedicated support in the event of identity theft.

Through a partnership with SavvyMoney, Avant’s Credit Builder provides free personalized credit insights, real-time monitoring and alerts, daily credit score and credit report access, goal setting, and a credit score simulator, all for free for existing customers within Avant’s easy-to-use mobile app.

With the credit score simulator, users can test how specific actions, such as paying down debt or closing a credit card, could impact their creditworthiness. By simulating the effects of specific scenarios, users gain immediate visibility into how their choices may influence their credit profile and gain the actionable intelligence they need to make informed decisions that align with their broader financial goals.

Measurable Impact on Financial Health
Among initial users, Credit Builder has already shown to be a driver of real financial progress. Following a pilot launch in April 2025, Credit Builder took off quickly, with 357,000 users adopting the tool by December–signaling that customers are eager for a simpler, effective approach to building better financial habits.

Key performance milestones include:

• High Engagement: 87% of enrolled users are monthly active users, integrating the tool into their daily financial habits.
• Credit Score Maintenance & Growth: 75% of Credit Builder users have seen a steady or improved credit score since enrollment.
• Better Outcomes: Customers using Credit Builder also showed better credit performance compared to those not yet enrolled in the tool.

“At Avant, we believe that moving financial lives forward requires more than just access to credit; it requires the tools to manage it. With Credit Builder, we are proud to offer a free tool that arms users with actionable insights to proactively manage and improve their financial health,” said Charles Whittaker, Chief Business Officer of Avant. “Middle-income Americans are looking for a roadmap to financial stability, and we’re committed to providing the tools they need to move their financial lives forward.”

Empowering Consumers Through Transparency
“Credit Builder is built on the foundational belief that financial progress begins by putting data in the hands of the consumer, empowering them to navigate their financial journey with transparency,” said JB Orecchia, President and CEO of SavvyMoney. “By providing a clear, real-time view of their credit profile and report details combined with actionable steps for improvement, Avant is helping its users move from passive monitoring to active credit building. We are proud to partner with a company so deeply aligned with our mission of financial transparency.”

About Avant
Avant is a data-driven platform at the intersection of technology and credit, built to meet the financial needs of millions of middle-income Americans. The company utilizes data and machine learning to deliver access to a suite of financial products and services anchored by credit cards, personal loans, and a personal financial management tool. Since the launch of personal loans and credit cards in 2013 and 2017, respectively, Avant has connected more than 4 million unique customers to over $12.5 billion in personal loans and more than 2.8 million credit cards. For more information on Avant, visit www.avant.com.

About SavvyMoney
SavvyMoney is an industry leader in financial wellness and growth solutions, extending its reach to over 1,600 banks, credit unions, and fintechs nationwide. The synergy of real-time credit data and advanced digital personalization, advanced analytics, and marketing tools defines SavvyMoney’s offerings, seamlessly integrating with more than 43 digital banking platforms. What sets SavvyMoney apart is not just its innovative technology but also its hands-on service, coupled with a resolute commitment to assisting financial institutions in fortifying and enriching their consumer relationships. To learn more about SavvyMoney, visit www.savvymoney.com.

Avant, LLC is a financial technology company, not a bank. Avant-branded credit products are issued by WebBank.