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Avant Personal Loans Overview

Avant is a trusted online lending platform that offers personal loans ranging from $2,000 to $35,000, even to borrowers with less-than-perfect credit or who’ve been declined by traditional banks. With over a million customers served, Avant specializes in unsecured loans that can be used for debt consolidation, home improvements, medical expenses, and more. Its streamlined online application, flexible credit standards, and quick funding make it a great option if you need cash fast. Unlike banks, Avant makes borrowing simple, with no hidden hoops or unnecessary delays.

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Avant Personal Loans Disclosure

 

Avant branded credit products are issued by WebBank.

 

* Loan amounts range from $2,000 to $35,000. APR ranges from 9.95% to 35.99%. Loan lengths range from 24 to 60 months. Administration fee up to 9.99%. If approved, the actual loan terms that a customer qualifies for may vary based on credit determination, state law, and other factors. Minimum loan amounts vary by state.

 

Administration fee is deducted from the loan proceeds and paid to the Lender. Any administration fee of 5% or less of the initial loan amount is not refundable. Administration fee amount in excess of 5% of the initial loan amount is refundable on a prorated basis over the remaining term of the loan when and if the loan is paid in full prior to its original maturity date. A partial prepayment does not trigger a refund of any administration fee amount. Borrower recognizes that the Administration fee is deemed part of the loan principal and is subject to the accrual of interest.

 

THIS IS A LOAN SOLICITATION ONLY. AVANT, LLC IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

Avant Personal Loans
Web Rating: -
Rated 4.1 out of 5

Features

  • Apply for an Avant personal loan online or through the mobile app and borrow between $2,000 and $35,000.
  • Check your eligibility with a soft credit inquiry that won’t impact your credit score.
  • All Avant personal loans are unsecured, so no collateral is required.
  • Repay with fixed monthly payments over terms ranging from 24 to 60 months.
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Upgrade personal loans
Web Rating: -
Rated 4.5 out of 5

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  • Loan amounts of $1,000 to $50,000
  • Repayment terms of up to 84 months
  • No prepayment fee
  • Fast access to funds
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Upstart Personal Loans
Web Rating: -
Rated 4.4 out of 5

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  • Loans range from $1,000 - $50,000
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Avant Personal Loans: Comprehensive Overview

Avant, formerly known as AvantCredit, is a Chicago-based online lending platform that has become a prominent name in the U.S. fintech space. Founded in 2012 by Al Goldstein, John Sun, and Paul Zhang, Avant was established with a clear mission to simplify and expand access to credit for middle-income borrowers, especially those who may have difficulty qualifying for traditional bank loans. Many of these individuals have stable incomes and financial discipline, but don’t meet traditional banks’ strict credit standards. Avant bridges that gap.

At its core, Avant is a tech-driven platform that uses advanced algorithms, data science, and data-driven underwriting models to assess borrowers more comprehensively, moving beyond traditional credit scores, all through a fully online interface. This allows the company to provide fast, unsecured personal loans ranging from $2,000 to $35,000 with transparent terms even to those with fair or less-than-perfect credit.

What Makes Avant a Smart Lending Choice

Avant operates in all 50 states and has served over 2 million customers since its inception, solidifying its position as a top-tier digital lending provider. While the company initially offered personal loans, it has since expanded its financial products to include credit cards and tools designed to help users manage and improve their credit health. Although Avant previously served international markets, such as Canada and the UK, it now focuses exclusively on the U.S.

All Avant-branded loans are issued by WebBank, a Utah-chartered industrial bank and a member of the FDIC, ensuring regulatory compliance and secure lending practices.

Avant has built a strong reputation as a reliable and transparent online lending platform, particularly for individuals with fair to good credit. With a focus on responsible lending, transparent pricing, and dedicated customer support, Avant stands out as a compelling alternative to traditional banks.

Key Features of Avant Personal Loans

🔷 Flexible Loan Amounts

Borrow between $2,000 and $35,000 to cover expenses such as debt consolidation, medical bills, or home improvements.

🔷 No Collateral Needed

Avant personal loans are unsecured, so you won’t need to risk assets like your car or home to qualify.

🔷 Easy Online Application 

Apply entirely online through Avant’s website or mobile app, eliminating the need for paperwork or branch visits.

🔷 Soft Credit Check for Prequalification

Checking your rate won’t hurt your credit score, allowing you to explore options without commitment.

🔷 Built for Fair-to-Good Credit 

Avant personal loans are tailored for borrowers with credit scores starting around 580, offering accessible financing options to individuals who may not qualify through traditional banks.

🔷 Predictable Repayment Terms

Select fixed repayment terms ranging from 24 to 60 months, with consistent monthly payments.

🔷 Fast Funding

If approved, you could receive your funds as soon as the next business day, making it ideal for urgent needs.

🔷 No Prepayment Penalties

Pay off your loan early or make extra payments at any time without incurring additional fees.

🔷 Loans Issued by WebBank

All loans are issued by WebBank, a Utah-chartered, FDIC-member bank, adding a layer of trust and compliance.

 

2 Million+

Satisfied Customers

Customer satisfaction Rate
0 /5
Trustpilot
A+ Rating

Better Business Bureau

Pros & Cons of Avant Personal Loans

Pros

✅ Unsecured loans, no collateral needed.

✅ Fast approval and next-day funding.

✅ Simple, online process with soft credit check.

✅ Accepts fair-credit borrowers.

✅ Fixed repayments, no prepayment penalties.

Cons

❌ High APR and origination fees.

❌ Loan capped at $35,000.

❌ No joint or co-signed loan option.

❌ Fees for late or failed payments.

❌ Online-only service, no branch access.

Avant Personal Loan Details

Safety
256 Bit SSL issued by DigiCert Inc.
Lender Type
Lending Platform
BBB Rating
A+ Rating, BBB-accredited since 2015
APR
9.95% – 35.99%*
Credit Score
580+
Loan Amount
$2,000 – $35,000
Loan Term
24 – 60 MONTHS**
Origination Fees
Up to 9.99%
Time to Receive Funds
As soon as next business day*

Avant Personal Loan Eligibility Requirements

• Age and Residency

Applicants must be at least 18 years old and legal residents of the United States. Additionally, they must live in a state where Avant offers personal loans.

• Identification and Social Security Number

A valid government-issued photo ID (such as a driver’s license or passport) is required. Applicants must also provide a valid Social Security number for identity verification and credit assessment.

• Income and Employment

Avant requires applicants to have a stable and verifiable source of income from employment, benefits, or other reliable means. While full-time employment isn’t mandatory, it can enhance the approval chances.

• Banking Requirements

Applicants must have an active checking account in their name. This account is used for disbursing the loan funds and setting up automatic repayments.

• Credit Score and Credit History

Avant generally considers borrowers with a minimum credit score of around 580, making it accessible to those with fair credit. A stronger credit history may lead to better loan terms and higher approval chances.

• Debt-to-Income (DTI) Ratio

While Avant does not specify an exact DTI limit, applicants with a lower DTI ratio (typically below 40–50%) are more likely to qualify, as this helps ensure they can manage new debt responsibly.

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  • Loans starting from $100 – $5,000.
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  • Online network of direct lenders.
  • Online form is quick and can be completed in under 5 minutes.
  • Fast funding as soon as the next business day.

How to Apply for an Avant Personal Loan

Avant makes applying for a personal loan fast, simple, and entirely digital. Here’s a step-by-step breakdown of how to apply:

01

Check Your Eligibility Without Impacting Your Credit

Begin by visiting Avant’s official website or downloading the Avant mobile app. Complete the prequalification form, which includes basic financial and personal information. Avant performs a soft credit inquiry, which means checking your eligibility will not affect your credit score.
02

Review Personalized Loan Offers

If you prequalify, Avant will present you with a range of loan offers tailored to your credit profile and financial situation. These offers will include details such as loan amounts, interest rates, repayment terms, and estimated monthly payments. You can compare and select the loan option that best fits your needs and budget.
03

Complete the Full Loan Application

Once you have chosen your preferred loan offer, proceed with the full application process. You’ll be asked to submit more detailed information, such as your Social Security number, income verification documents (like pay stubs or bank statements), and government-issued ID. Avant may perform a hard credit inquiry at this stage, which could have a small impact on your credit score.
04

Review and Sign the Loan Agreement

If approved, you'll receive a formal loan agreement from Avant that outlines all the terms and conditions of the loan, including APR, repayment schedule, fees, and due dates. Take the time to read through the agreement carefully before signing it electronically.
05

Receive Your Funds — Fast

Once you accept and sign the agreement, Avant typically deposits the funds into your verified bank account as soon as the next business day. The speed of funding may vary depending on your bank’s processing times and the speed at which your documents are verified.
06

Manage and Repay Your Loan

After receiving your funds, you’ll begin repayment based on the agreed schedule, usually starting about 30 days after funding. Avant offers tools to manage your loan online or through the app, including autopay setup, payment reminders, and account tracking. You can also make extra payments at any time without incurring prepayment penalties.

Avant Personal Loan: Rates & Fees

✅ APR Range

Avant offers fixed Annual Percentage Rates (APRs) ranging from 9.95% to 35.99%, with repayment terms between 24 and 60 months. Your specific rate is determined based on factors such as your credit profile, income, loan amount, and state of residence. Since the APR is fixed, your interest rate will remain constant throughout the life of the loan, ensuring that your monthly payments are consistent and predictable.

💰 Administration / Origination Fee

Avant charges an upfront administration fee, similar to an origination fee, of up to 9.99% of the loan amount. This fee is deducted from your loan proceeds before the funds are disbursed. If you pay off the loan in full early, any portion of the fee that exceeds 5% may be refundable on a prorated basis.

🧮 Example Cost Scenario

For instance, on a $5,700 loan with a 9.99% administrative fee, the amount financed would be approximately $5,130.57. Over a 36-month term, this equates to an APR of roughly 29.95% and a monthly payment of around $217.66.

⏸️ Late & Returned Payment Fees

Late Fee – If payment is not made in full within 10 days after the due date, a late fee of $25 may be applied.

Returned Payment Fee – A $15 dishonored payment fee will be charged each time a payment is returned or fails to process due to insufficient funds or other payment issues.

🔁 No Prepayment Penalty

Avant does not charge a penalty if you pay off the loan early, providing you with flexibility and cost savings if you decide to accelerate your payments.

Who Is Avant Personal Loans Best For?

Avant personal loans are a smart choice for borrowers with fair to good credit who may not meet the stricter requirements of traditional lenders. Designed for speed and simplicity, Avant offers unsecured financing through a streamlined online application that considers more than just credit scores. These loans may be ideal for:

• Borrowers with Fair to Good Credit

Those with credit scores between 580 and 700 who want access to funding without needing perfect credit.

• Borrowers Seeking Unsecured Loans

Those who prefer personal loans that don’t require collateral.

• Budget-Conscious Borrowers

Those who value fixed interest rates and predictable monthly payments over 2 to 5 years.

• Rate Shoppers 

Borrowers who want to check personalized rates through a soft credit inquiry, without impacting their credit score.

• Borrowers with Versatile Financial Needs

Ideal for those seeking funds to support a range of goals, including:

 ⇒ Consolidating high-interest debt

 ⇒ Covering medical expenses or emergencies

 ⇒ Funding home repairs or renovations

 ⇒ Managing relocation or moving costs

 ⇒ Handling major one-time purchases

States Serviced by Avant

The state’s serviced may change without prior notice; visit the lender’s website for up-to-date information.

Avant Personal Loans: States

Alabama Georgia Maryland New Jersey South Carolina
Alaska Hawaii Massachusetts New Mexico South Dakota
Arizona Idaho Michigan New York Tennessee
Arkansas Illinois Minnesota North Carolina Texas
California Indiana Mississippi North Dakota Utah
Colorado Iowa Missouri Ohio Vermont
Connecticut Kansas Montana Oklahoma Virginia
Delaware Kentucky Nebraska Oregon Washington
District of Columbia Louisiana Nevada Pennsylvania Wisconsin
Florida Maine New Hampshire Rhode Island Wyoming
West Virginia

Alternatives to Avant Personal Loans

Looking for loans like Avant? These alternatives provide personal loan options with varying terms and features.

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Upgrade personal loans
Web Rating:
Rated 4.5 out of 5

Loan Amount: $1,000- $50,000

Repayment Terms: 24 to 84 months

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Explore Credit

Tribal loan lender
Web Rating:
Rated 3 out of 5

Loan Amount: $250- $2,000

Repayment Terms: 6 to 12 months

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Universal Credit

Universal Credit Personal Loans
Web Rating:
Rated 4 out of 5

Loan Amount: $1,000- $50,000

Repayment Terms: 36 to 60 months

GO TO SITE
OVERVIEW

Avant: Customer Support, Ratings & Feedback

📞 Customer Service Availability

Avant provides accessible and responsive customer support through various channels, including phone, email, and an online Help Center. Dedicated phone lines are available for personal loans and credit cards, and email support is offered for each product type.

Their customer service team is available seven days a week, with extended hours to assist borrowers in different time zones.

Customer Service Hours:

 • Weekdays: 7:00 AM – 10:00 PM CT

 • Weekends: 7:00 AM – 8:00 PM CT

Borrowers can manage their accounts, track payments, and access support resources 24/7 through Avant’s website or mobile app. Many users report a smooth service experience, although some mention occasional delays during peak hours.

⭐ Reputation and Ratings

Avant has served over 2 million customers nationwide and is a Better Business Bureau (BBB) accredited business with an A+ rating. This reflects its commitment to addressing consumer concerns and maintaining transparent lending practices. Avant is known for helping borrowers with fair to good credit quickly secure unsecured personal loans and has a positive reputation in the online lending industry.

Ratings across popular review platforms vary:

Platform

Rating

Highlights

Trustpilot

4.5 / 5

Praised for quick funding and ease of use

WalletHub

4.1 / 5

Mostly positive, but some complaints about high APRs

TradersUnion

4.7 / 5

Recognized for digital efficiency and customer loyalty

💬 Customer Feedback (Based on Reviews Across the Web)

Feedback from borrowers highlights the ease of application, fast funding, and the intuitive online platform as significant advantages. Many appreciate the transparency in loan terms and the ability to check rates with a soft credit inquiry. However, some customers have expressed concerns about relatively high APRs, which can vary based on creditworthiness.

✅ Positive experiences often include:
 • Fast and hassle-free application process
 • Quick approvals and next-day loan disbursement
 • Easy-to-use website and mobile app
 • Useful for debt consolidation and building credit
 • Transparent loan terms with fixed monthly payments

❌ Common complaints involve:
 • Occasional delays in customer service response
 • Dispute resolution issues
 • High APRs for borrowers with lower credit scores

Despite these drawbacks, Avant continues to be a preferred choice for borrowers seeking transparent, unsecured personal loans with fixed monthly payments and no prepayment penalties.

Avant: Frequently Asked Questions

Most frequent questions on Avant Personal Loans

Avant is an online lending platform that provides unsecured personal loans to borrowers throughout the United States, primarily focusing on those with fair to good credit.

Loan amounts usually range from $2,000 to $35,000, based on your credit profile, income, and state of residence.

Avant offers fixed APRs ranging from 9.95% to 35.99%, with rates based on creditworthiness and other eligibility factors.

Loan repayment terms vary between 24 and 60 months.

No, Avant does not impose any prepayment penalties. You can pay off your loan early without incurring extra fees.

Avant generally works with borrowers who have credit scores in the 580 to 700 range.

Yes, Avant offers a soft credit inquiry for prequalification, which does not affect your credit score.

Avant may charge an administration fee of up to 9.99%, and late payment fees of $25 after 10 days past due. A $15 fee applies for any dishonored payment.

Yes, Avant reports loan activity to major credit bureaus, helping you build credit through timely payments.

Avant is not a direct lender. Instead, personal loans from Avant are issued by WebBank, which is a state-chartered, FDIC-insured industrial bank. While WebBank provides the loans, Avant is responsible for servicing them. The platform employs robust security and encryption protocols to ensure that your personal and financial information is kept safe.

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LendingPoint Personal Loan Disclosure

* Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; Midland States Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates (“APR”) may vary based upon LendingPoint’s proprietary scoring and underwriting system’s review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees up to 10% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $1,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $2,000. For a well-qualified customer, a requested loan of $10,000 serviced by LendingPoint over a period of 48 months that has an APR of 26.59% with an origination fee of 10% may have a payment of $340.52 per month. (Actual terms and rate depend on credit history, income, and other factors.) The total amount due under the loan terms provided is $16,345.12 and the disbursal amount is $10,000. In the example provided, the total financed amount is increased to receive the full requested loan amount after the origination fee is deducted. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.

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SoFi Personal Loan Disclosure

Fixed rates from 8.74% APR to 35.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 11/12/25 and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.

Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive.

PERSONAL LOAN INTEREST RATES AND FEES | ELIGIBILITY AND IMPORTANT DETAILS. Annual percentage rates (APRs) shown include the 0.25% autopay discount. If approved for a loan, the rates and terms offered will depend on things like creditworthiness, the length of the loan, and other factors, and will fall within the range of rates available by applicable loan term; check out our full APR examples and terms. Remember, not all applicants will qualify for the lowest rate. Want to learn more? See our eligibility criteria at SoFi.com/eligibility-criteria. SoFi reserves the right to change interest rates at any time without notice, changes would only apply to applications begun after the effective date of the change.

Fixed Rates: Fixed rates range from 8.74% APR to 35.49% APR (with autopay). The SoFi 0.25% autopay interest rate reduction requires you to agree to make your scheduled monthly payments by an automatic monthly deduction (ACH) from a savings or checking account. Enrolling in autopay is not required to receive a loan from SoFi. Loan Terms: SoFi Personal Loans offer loans with a period of repayment between 2 and 7-year terms. Loan Fees: SoFi personal loans have no fees required; specifically, no origination fees required, no late fees, no prepayment penalties.

PERSONAL LOAN | REPAYMENT EXAMPLE. The following example depicts the APR, monthly payment and total payments during the life of a $30,000 personal loan with a 2-year repayment term, a 0.25% autopay discount, and a fixed rate between 8.74% APR to 35.49% APR. It works out to 24 monthly payments ranging from $1,356.68–$1,529.07 for a total amount of payments ranging from $32,560.37–$36,697.76. This repayment example assumes that the borrower is signed up for autopay and that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term, loan amount, creditworthiness, and other terms and conditions. SoFi does not offer variable rate personal loans. State restrictions may apply.

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Universal Credit Personal Loan Disclosure

Personal loans made through Universal Credit feature Annual Percentage Rates (APRs) of 11.69%-35.99%. All personal loans have a 5.25% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 36 to 60 months. For example, if you receive a $10,000 loan with a 36-month term and a 28.47% APR (which includes a 22.99% yearly interest rate and a 7% one-time origination fee), you would receive $9,300 in your account and would have a required monthly payment of $387.05. Over the life of the loan, your payments would total $13,933.62.
 
The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Universal Credit’s bank partners. Information on Universal Credit’s bank partners can be found at https://www.universal-credit.com/bank-partners/
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Upstart Personal Loan Disclosure

Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000).

Although educational information is collected as part of Upstart’s rate check process, neither Upstart nor its bank partners have a minimum educational attainment requirement in order to be eligible for a loan.

If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. When the funds will be available to you will depend on your bank’s transaction processing time and policies.

The full range of available rates varies by state. A representative example of payment terms for an unsecured Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 20.10% and a 8.53% origination fee of $853, for an APR of 24.65%. In this example, the borrower will receive $9,147 and will make 60 monthly payments of $267. APR is calculated based on 5-year rates offered in June 2025. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.

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Upgrade Personal Loan Disclosure

Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.74%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade’s bank partners.

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DirectLendersList is not a review site; instead, it provides a comprehensive overview of financial products and services and incorporates the Web Rating feature to assist users in making informed decisions.

Web Ratings are important to consider when deciding on financial products or services. These ratings provide insights into the customer experience and serve as a helpful metric for assessing the quality of specific lenders, loan marketplaces, banks, or credit card issuers.

At DirectLendersList, our internal team takes the initiative to prepare web ratings for various financial products and services. These ratings are compiled using multiple channels to gather data from across the web, including customer feedback, ratings from reputable customer review sites, industry reputation, and other relevant data sources. Utilizing these diverse sources of information aims to provide users with a comprehensive and well-rounded assessment of the financial product or service.

The collected data is then utilized to calculate an average web rating, typically on a scale of 1 to 5, reflecting the overall customer satisfaction and experience associated with the specific offering. It is important to emphasize that these ratings are independently prepared by the DirectLendersList internal team and have not been influenced or approved by advertisers. This ensures the ratings remain objective and unbiased, providing users with reliable information to aid their decision-making process.

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Our website is an informative comparison site committed to providing users with helpful information about various products and services that match their needs. Because of the advertising compensation we receive from brands and service providers, we can provide this service for free. Advertising income, product popularity, and our subjective experience and procedures may all impact the placement and position of brands on our site and its pages. It is important to remember that the brand overview is provided “as-is,” with no guarantees or warranties, and should not be interpreted as an endorsement. We try to keep the information up-to-date, but the terms of offers may change at any time.

Disclaimer: Opinions, overviews, analyses, and recommendations are solely those of the author and haven’t been reviewed, endorsed, or approved by any insurance, loan, or credit card issuers.