Nav review (2026): pricing, fees and who it's for
Business credit monitoring, credit building and loan/card matching for small businesses.
Good fit if
New owners who want to start building business credit
Pick something else if
You only need a loan now; exact scores and credit building need a paid plan.
What we like
- Free plan shows basic business credit standing from D&B, Experian, Equifax.
- Paid plans report your membership monthly to D&B, Experian and Equifax.
- Compare offers from 25+ lending partners; no hard pull to compare.
- Phone support weekdays 7am-5pm MT, plus in-app chat.
Watch out for
- Exact business scores and reports require at least $39.99/month.
- Reported tradeline can take 14-45 business days to appear; results vary.
- Nav Credit Builder Card is still in beta, not included at signup.
Nav pricing
| Plan | Price | Notes |
|---|---|---|
| Free | $0/mo | Basic credit ranges, one Experian personal score |
| Track | $39.99/mo ($31.99/mo billed quarterly) | Full business reports plus reported membership tradeline |
| Build | $49.99/mo ($39.99/mo billed quarterly) | Adds bookkeeping tools; credit builder card in beta |
| Expand | $74.99/mo ($59.99/mo billed quarterly) | Adds monthly 1-on-1 coaching and FICO SBSS score |
Prices as published on Oct 4, 2026. Confirm on their site; promotions change often.
The details
| Free plan includes | Basic ranges from D&B, Experian, Equifax; 1 Experian personal score; funding snapshot |
|---|---|
| Paid plans | $39.99-$74.99/mo; 20% off billed quarterly |
| Credit reports | Business: D&B, Experian, Equifax; personal: Experian, TransUnion; FICO SBSS (Expand) |
| Loan matching | Yes, 25+ lending partners; free account |
| Card matching | Yes, free account; no hard credit check to compare |
| Builds business credit | Yes: paid membership reported monthly to D&B, Experian, Equifax |
Before you sign up
You'll need
- Email and basic business details
- Personal info for credit matching (no hard pull)
Do this first: Open a business bank account and get an EIN first; lenders look for both.
What users say in public ratings
Seen on Oct 4, 2026. App store ratings mostly reflect the app; Trustpilot leans toward billing and support stories.
Questions
How much does Nav cost?
Free: $0/mo; Track: $39.99/mo ($31.99/mo billed quarterly); Build: $49.99/mo ($39.99/mo billed quarterly); Expand: $74.99/mo ($59.99/mo billed quarterly).
Does Nav have a free plan?
Yes. Free costs $0/mo.
Does Nav offer help in Spanish?
Not that we could find: the app and support are in English.
What do I need to sign up for Nav?
Email and basic business details; Personal info for credit matching (no hard pull).
Is Nav good for a new business?
It fits new owners who want to start building business credit. Pick something else if you only need a loan now; exact scores and credit building need a paid plan.
Sources
- nav.com/nav-prime/
- nav.com/
- nav.com/marketplace/business-loans/
- nav.com/marketplace/business-credit-cards/
- nav.com/mobile-app/
- help.nav.com/en/
- help.nav.com/en/articles/6699331-when-does-nav-report-and-to-what-bureaus
- help.nav.com/en/articles/6699356-why-is-your-site-asking-me-for-personal-informa
- help.nav.com/en/articles/6487097-how-do-i-contact-nav-customer-care
- apps.apple.com/us/app/nav-business-funding-roadmap/id1139884313
- play.google.com/store/apps/details?id=com.nav.android.app
- trustpilot.com/review/nav.com
Checked Oct 4, 2026. Something out of date? Tell us. Our score is calculated from public facts; partners can't pay for a better one.