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Last Updated: 01/15/2026

Avant Loans

in Personal Loans from Avant LLC

Last Updated: 01/15/2026

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Strongly recommended703 total votes

624 users recommend

21 users are unsure

58 users don't recommend

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Compare personal loan offers from Avant Loans and their competitors.

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See how much you qualify for and what your monthly payment will be.

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It's quick, easy, and won't hurt your credit score.

Highlights

Community Rating

Strongly recommended

APR (Fixed APR)

9.95% - 35.99%(Verified 01/15/2026)

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Amount Range

$2,000 - $35,000

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Loan Term (Months)

24 - 60

Number of Reviews

703

Avant Loans Review

Avant Loans is offered through Avant LLC, a financial services company founded in 2012 and based in Chicago, IL. It is made possible by a bank partnership with WebBank. Avant Loans are available in 34 states and Washington, DC.

Key Takeaways

APRs starting at 9.95%** (for APR terms see terms and conditions). Personal loan interest rates typically range between 9% and 36%. The starting rates for Avant Loans are on the lower end of the spectrum.
Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
Prequalified rate. You can check your prequalified rate at Avant LLC with a soft pull that will not affect your FICO or VantageScore.
Origination fees of up to 9.99%. This is on the high end for lenders on SuperMoney's database. Origination fees are deducted from the loan amount, so consider them when deciding how much you need to borrow.

Avant Loans Pros & Cons

Pros

Cons

No prepayment penalty.
Considers applicants with fair credit.
Get funded in as little as 1 business day.

APRs as high as 35.99%.
Charges an origination fee of up to 9.99% of the loan amount.
No co-sign option available.

Avant Loans FAQ

What interest rates and personal loan terms does Avant Loans offer?

What interest rates does Avant Loans offer?

Avant Loans offers a fixed APR personal loan product that ranges from 9.95% APR up to 35.99% APR.

How much can you borrow via Avant Loans?

Personal loan amounts start at $2,000 and go up to $35,000

What is the maximum loan term you can get with Avant Loans?

Avant Loans offers loans with terms of up to 60 months.

Avant Loans Interest Rates & Loan Terms

Personal Loan Amount

$2000 - $35000

Loan Term

24 - 60 months

APR

9.95% - 35.99%

What fees does Avant Loans charge?

Does Avant Loans charge an origination fee?

Avant Loans may charge a personal loan origination fee of up to 9.99% of the personal loan amount .

Does Avant Loans charge a late fee?

Yes, Avant Loans may charge a late payment fee if you miss one of the regularly scheduled payments of up to $25.

Does Avant Loans charge prepayment fees?

No, Avant Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.

Avant Loans Fees

Origination Fee

up to 9.99%

Prepayment Fee

Late Payment Fee

$25

What do you need to qualify for Avant Loans?

Applicants with a credit score of at least 600 and up to 760 may be eligible for Avant Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Avant Loans does not have or does not disclose a minimum annual income eligibility requirement.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Avant Loans.

To qualify, applicants may need to provide the following documentation:

Applicants must have an active and valid personal checking or savings account
Recent pay stubs
Proof of income
Driver's license or other government photo ID
Proof of citizenship or residence permit

Avant Loans Eligibility Criteria

Minimum Age

Bank Account Required?

Yes

Credit Score

600 - 760

What is the estimated funding time for a personal loan via Avant Loans?

Avant Loans will typically fund loans within 1 to 3 business days of approval and clearing necessary verifications.

Does Avant Loans report your account activity to credit bureaus?

Yes, Avant Loans reports to the following credit bureaus:

Equifax
Experian
TransUnion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.

Does Avant LLC perform a hard credit pull?

As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates.

Avant Loans allows you to check your rates with a soft credit pull.

Are Avant Loans legit?

Avant LLC was founded in 2012, it is a well-established company that has been in business for 14 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.

Avant Loans Disclosure: 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. Example: A $5,700 loan with an administration fee of 9.99% and an amount financed of $5,130.57, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $217.66. Personal loan funds are generally deposited via ACH for delivery next business day if approved by 4:30pm CT Monday-Friday. New Mexico consumer brochure (New Mexico Consumer Information Brochure and Loan Rate and Fee Disclosure (PDF)) for common terms and definitions and regulations around rates and fees. Avant branded credit products are issued by WebBank. Avant branded credit products are issued by WebBank.

View Avant Loans's published terms & conditions

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from Avant Loans

We love what we do. Over 800,000 customers have been helped by transparent & convenient personal loans.

Message from our editor

What we love about Avant Personal Loans

Avant is an online lender that makes it easy to fill out an application without having to work with a lender in-person. You can prequalify and get a lending decision in as little as 15 minutes. If approved, the money will arrive in your bank account as soon as the next day.

Avant offers personal loans to consumers with less than perfect credit. The company considers people with credit scores in the fair to good range. There’s no credit impact to find out if you prequalify, so you can see what type of loan offer you’ll receive without hurting your credit.

What could Avant Personal Loans do better?

Because Avant targets its personal loans at people with fair and good credit, its interest rates are frequently higher than the rates offered by other lenders. If you have strong credit, you will likely get a better deal elsewhere.

Avant also only offers unsecured loans with a lower loan maximum than other lenders offer for secured personal loans. If you have to borrow a large amount, you may not be able to get enough money from Avant to meet your needs.

Avant’s personal loans also come with some fees, including origination fees, that will increase the cost of your loan.

Avant Personal Loans’s backstory

Avant, LLC is a Chicago-based financial technology company. It was founded in 2012 and started offering loans in 2013. The company later expanded into secured credit cards to help borrowers build their credit scores.

The Verdict

If your credit isn’t great, Avant may be a good choice of lender if you need a personal loan. People with strong credit histories will likely get a better interest rate and be able to borrow more from other lenders with more traditional approval criteria.

Contact

Headquarters

222 N. La Salle St., Suite 1700

Chicago, IL 60601