Avant is an online lender that offers personal loans and lines of credit for people with below-average credit who don’t want to put up collateral in order to qualify for a loan. Here is a quick overview of Avant’s strengths and weaknesses:
Compare Personal Loan Rates from WalletHub Partners
Excellent Credit
Excellent Credit
Good Credit
Fair Credit
Bad Credit
No Credit/Limited History
$500
$500
$1,000
$3,000
$5,000
$10,000
$25,000
Avant Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 05/14/2026.
Avant loans are relatively expensive compared to offers from many other lenders, but they’re among the best choices for people with bad credit who don’t want to put up collateral in order to qualify for a loan. Avant’s minimum credit score is not disclosed, but most customers have a score of at least 600. That’s 40 points below the start of the fair credit range.
Avant, an online lender and WalletHub partner, has personal loan APRs that range from 9.95% - 35.99%. Those rates are high compared to most competitors, but still better than many lenders that cater exclusively to bad credit. Avant charges an “administration fee” (the same thing as an origination fee) of up to 9.99% of the loan amount. That fee gets subtracted from the lump sum you receive at the beginning.
So, people toward the upper end of the bad credit range can benefit from Avant’s relatively lax approval requirements. But people with fair to excellent credit will likely find other lenders to be cheaper.
Avant Loan Review Highlights:
Avant APRs:9.95% - 35.99%
Administration fee: 0% - 9.99%
Late fee:$25
Funding time:As soon as the next business day
Loan sizes:$2,000 - $35,000
Payoff periods:24 - 60 months. Avant’s payoff timelines are pretty standard, though you can find loans that last 84 months or longer elsewhere.
Avant loan requirements: 600 credit score, SSN, U.S. citizen or permanent resident, 18+ years old.
Reputation: Avant currently has an A rating from the Better Business Bureau and the company receives an average user score of 4.1/5 on WalletHub.
Co-applicant policy: Unfortunately, you’ll only be able to apply for an Avant loan as an individual borrower.
Before you can apply for an Avant personal loan, you’re required to check your loan options on their site. This will give you an idea of your odds of approval, plus what rates you can expect to pay.
If you have a credit score of 600 - 640, Avant should definitely be one of the lenders you consider. But you may find better rates by seeking out secured personal loans, which require collateral, from other lenders. Below, you can see how WalletHub rates Avant in our three key categories: Terms, Requirements & Application, and Reviews & Transparency.
Avant Ratings by Category:
Category
Editor’s Rating
Terms
3.3/5
Requirements & Application
3.5/5
Reviews & Transparency
4/5
Overall Score
10.8/15
These scores reflect how close a loan offer is to WalletHub’s definition of a 5-star loan. For more information, please read WalletHub’s full methodology.
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Leslie @leslier_61
Avant has been sanctioned by the FTC for fraudulent practices. They also have a one star on BBB. Remove your 4 state review as it is misleading.
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Kim Bounds @kimandrhe
I've had the card for a couple of months now and am not happy. I paid my first payment before the date. I them received an email stating my payment had been posted to my account. Then 4 days later after the pay date I received an email saying there was an issue with my payment method and to resolve that right away which I did. I paid it again with another card then they charged me a late fee. They waited until the pay date had passed after telling me the payment posted on time to tell me there was an issue. They just wanted the late fee. I appealed to have the fee removed and was just denied. They obviously only want money and don't care about their customers. Not a good start.
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Victoria @victorialmartinez88
@leslier_61 that is insane, I was unaware so thank you for this . I am going to further investigate on my end as I’ve been a card member since about 2020/2021. That’s so disappointing
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Brian Mack @bmack019
@kimandrhe Yes, I agree. Everything you have said is true. I think they They have carefully put activities in place to cause overdraft fees such as sending emails that only go to junk folders, Do not specify on your login if a payment did not go through, Payment setup online will not reflect in your account for multiple days to allow maximum, probability for other charges in your account to cause a NSF. Setting up automatic payment for all of my other credit cards and loans always go through with not problems and are all paid on time with no NSF problems. They basically make it very hard to make a payment on time or notify you if there is a problem. They are one of the last lending institutions that try to live off of overdraft fees rather than promised interest setup. There should be an investigation into their practices.
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Avant
123catrina123 @123catrina123
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1 Star Rating
Takes forever for the payment to take out of your account even with auto pay. If you schedule a payment for the 1st make sure you have money in your account for at least a week it’ll randomly come out days later. So if you’re wanting to make a payment in the due date good luck it’ll be late. And if you’re making a payment and needing to use the amount it takes about 10 business days for your balance to change after they take the payment. Statement balance takes forever to change has well from pending to posted. And even after the payment goes from pending to posted the balance you can use takes like 10 business days. I wouldn’t even rate it one star but there isn’t a zero star. This company is honestly the worse credit card company I’ve ever had to deal with. I don’t recommend at all.
I’ve had an extremely frustrating and disappointing experience with Avant. This company shows little to no consideration for customers facing real-life hardships.
I run a mobile detailing business, so my income depends heavily on weather conditions. During the heavy rain seasons each year in my area, I’m unable to work consistently. This past year has been especially difficult due to repeated storms and even equipment damage, which caused me to fall behind on payments.
What’s most concerning is that I’ve been proactive the entire time. I’ve called Avant multiple times each month, explained my situation clearly, and tried to stay in communication. Every time, I’m told they will “submit a request” to waive late fees—but every single request has been denied.
On top of that, I have documented screenshots showing inconsistencies on my account, including instances where Avant applied credits and then later reversed those credits. This raises serious concerns about account accuracy and internal handling of customer balances.
Despite my efforts to communicate and resolve this responsibly, I continue to be charged late fees that make it even harder to catch up. It feels like the system is designed to keep customers behind—paying interest and penalties instead of making real progress on their balance.
Other credit card companies I’ve worked with have shown flexibility and basic understanding. They’ve occasionally reversed late fees to help me get back on track. Avant, on the other hand, consistently falls back on “policy” with no willingness to support customers during temporary hardship.
Yes, I understand the agreement outlines late fees—but where is the accountability when errors occur on the account? And where is the customer support when someone is actively trying to resolve their situation?
At this point, I am considering escalating this further, including filing a formal complaint with the Better Business Bureau and exploring additional options. Consumers should be aware of how rigid and unhelpful this company can be when you actually need assistance.
If you’re considering Avant, be cautious. They may be quick to charge fees, but don’t expect flexibility, support, or consistent account handling when life happens.
Customer service and autopay are trash. Autopay didn’t work and I got charged a late fee. Called in about it and the rep clearly didn’t care to have the conversation. Asked me what happened although I’d already told her and ended the call. Never made sure that was my only concern, never thanked for my business just told me in 2 days they will respond about the late fee. I’ll be closing this card as soon as I get the response and pay my remaining balance.
Never received my card in the mail. Once I contacted them like they instructed, I was told I have to provide multiple documents just to show proof of who I am. Very inconvenient as a customer. I never got my card and obviously never spent any money. Closing my account I’m still obligated to pay a fee. I highly regret applying with this company and advise others to look at your options closely.
One star in my opinion is generous. I have had a difficult time with payment processing and then receiving emails that there were issues with returned payments. It took forever for payments to post to the account and to show the updated balance and available credit. I would not recommend this as a credit-building solution. Other companies have much better options to build back your credit. Best of luck to those of you who pursue this card, and to those of you with a positive experience, I am glad for you.
I paid off and closed my Avant credit card, but six months later, they added a 75-dollar annual fee, which dropped my credit score by 12 points. Do not use them.
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Product: Avant Credit Cards
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Avant
Stuart Lorber @porky992
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1 Star Rating
I had the card for 20 months, never missed a payment, and my FICO score increased by 200 points, yet they refused to raise my $300 credit line or lower my $75 annual fee. Now that I have better cards with higher credit lines, no fees, and much lower interest rates, it's goodbye to Avant; they are greedy.
Thanks for the reviews! After reading them and seeing the majority are 1-star ratings, I will throw this card in the trash. I don't remember ordering one anyway. So, it's more than likely a scam. I never received a credit card without the pamphlet with all the information. This just came with the card and one sheet of paper.
I paid off and closed my Avant credit card, but six months later, they added a $75 annual fee which dropped my credit score by 12 points. Do not use them.
Not worth it. Choose a different card. I feel like I’m getting scammed with all the fees and I keep paying more than minimum payments and my balance never goes down!!! DO NOT GET THIS CARD!!
I never accept credit card offers that have annual fees, and despite what other reviewers have experienced, I was offered no annual fee and I do receive rewards, which I already cashed in for credit on my account balance. My credit line is $1,000 with a 29.99% APR. I have nothing bad to say about Avant, at least not so far.
This company is a scam! Someone took out a credit card in my name; I reported this to them months ago. They ignored me and continue to impact my credit score twice a month. The last time I called them about this, they said a representative from the theft/fraud department would contact me and resolve the issue. That was several months ago, and I have received no call. Shut this corrupt company down!
I have a credit card from Avant, and I'm not too pleased with the company. The first payment was supposed to go out as an automatic withdrawal from my savings account on January 19, the due date. Now, they have all the information to withdraw the first payment, but it didn't go through. This is my third time updating my account. Avant needs to ensure that their staff can communicate effectively in English. Now, I'm sending payments by mail. All in all, I'm very dissatisfied with this company.
Get answers to your questions about Avant below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. Ad Disclosure
A loan from Avant will hurt your credit score temporarily because the company will perform a hard pull of your credit history when you officially apply, which will drop your score by about 5 to 10 points. The new loan will also add to your overall debt load, which hurts your credit score.
Avant reports payments to the three major credit bureaus, so in the long run, a loan from Avant will help your credit score if you pay the monthly bills on time, as doing so adds positive information to your credit reports. This should offset any initial decrease in your credit score after you take out the loan.
To predict how your credit score will be affected, check out the free credit score simulator on WalletHub.
You can log in to your Avant Credit Card account by going to the login page on the Avant website or mobile app and entering your email address and password in the appropriate fields. Then, click “Log In” to access your online account.
How to Log In to a Avant Card Account
Go to the Avant Card login page.
Fill out the “Email Address” and “Password" fields with your credentials.
To talk to Avant Card customer service, call 855-752-7012 and then press "0". This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Avant Card Customer Service by Phone
Call the Avant Card customer service department. You can even use the number on the back of your card.
Yes, Avant is legit because it has an A rating from the Better Business Bureau and has been BBB-accredited since 2015. Also, Avant has earned an average rating of 4.2/5 from WalletHub users who enjoy their Avant loans and credit cards.
Why Avant Is Legit
Avant is registered as a business in the states it services.
Yes, the Avant Credit Card does have pre-approval. Avant card requires applicants to check for pre-approval before they can apply, so you will have a good idea of your approval odds if you choose to apply. Getting pre-approved for an Avant Card means that your chances of being approved for an account are very high if you apply, but it does not mean that approval is guaranteed.
Keep in mind that Avant Card pre-approval does not affect your...
Avant's requirements include being at least 18 years old, having enough income or assets to make the monthly payments and having a Social Security number. You will also need to have a verifiable bank account to qualify for a Avant personal loan.
The only way to apply for the Avant Card is online, and you can get to the online application by going directly to Avant's website.
Keep in mind that the Avant Card requires fair credit, which means you need a 640+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score. So, it's good to know what your chances are before applying. You...
Yes, you can refinance an Avant personal loan using either a new personal loan or a balance transfer credit card from a different lender. By paying off your remaining Avant balance with a new, lower-interest loan or credit card, you will shift what you owe to the new lender and save money on finance charges.
How to Refinance a Loan from Avant With a New Loan
Check your credit score. Checking your credit helps you...
Yes, you can pay your Avant Credit Card bill by phone. To make your Avant Card payment over the phone, call 1-855-752-7012 and follow the instructions from the automated menu, then enter your payment information. The process should only take a few minutes.
No, the Avant Credit Card is not a cash back credit card, and it doesn't offer any other type of rewards either. The Avant Card's annual fee is $39, and it's available to people with fair credit or better.
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