Avant

You can reach the Avant Card's customer service:

• Online by signing in to your account or by completing Avant's contact form
• By sending an email to [email protected]
• Over the phone at (855) 752-7012
• Via mail to the following address:
  Avant
  222 N. LaSalle St., Suite 1600
  Chicago, Illinois 60601

To get Avant Card pre-approval, sign into your account through Avant's online application page, then fill out the pre-approval form or enter a promotional code from a pre-approved mail offer. Avant requires all potential applicants to get pre-approved before submitting an application. Pre-approval uses a soft credit pull, which does not affect your credit score.

Here's how Avant Card pre-approval works:

The Avant Card is geared toward applicants with at least fair credit. If you are pre-approved, you should receive an immediate response inviting you to apply for the card. The invitation will include your card's specific terms, and if you agree to them, you can proceed with the application.

You're under no obligation to apply after getting pre-approved for the Avant Card. And if you do submit an application, there's no guarantee you'll be approved. You will have very good odds, though. Also, be aware that if you apply for the card, it will result in a hard pull on your credit report and a temporary decrease in your credit score.

To submit an Avant Credit Card application, visit Avant's website and click “Apply Now,” then fill out the pre-qualification form. Once you input your name, DOB, SSN, phone number and email, as well as create an Avant account, you'll be able to see if you pre-qualify for the card and proceed to the full application.

If you get pre-qualified for the Avant Credit Card and submit an application, Avant will then do a hard pull of your credit, which will drop your score by a few points, to aid in the final decision. It's possible to get instantly approved, though that's not guaranteed.

You cannot apply for an Avant Credit Card by phone or by mail. But you can check your Avant Credit Card application status by calling 855-752-7012 and pressing 2. Alternatively, you can check the status of your application by logging into the online account you created during the application process.

Yes, Avant does offer debt consolidation loans. You can take out a personal loan from Avant and use it to pay off existing debts, thus consolidating those debts into a single new balance with one monthly payment that you must make to Avant. Avant is one of the few lenders that specifically has loans called "debt consolidation loans," while many others only offer general-purpose personal loans. 

Quick Facts About Avant Debt Consolidation Loans

• APR: 9.95% - 35.99%
• Origination fee: 1% - 6%
• Loan amount: $1,000 - $40,000
• Payoff period: 36 or 60 months
• Credit score required: 580

Keep in mind that a debt consolidation loan from Avant will be worthwhile if it saves you money compared to the interest rates you are paying on your existing debts. In addition to the loan's APR, you should also consider any potential fees, as well as the available loan amounts and payoff periods.

Before you apply for an Avant debt consolidation loan, it's a good idea to compare it to WalletHub's editors' picks for the best debt consolidation loans. That way, you'll be able to see how the offer stacks up against loans from leading competitors.

Why Avant Personal Loans Are Legit

• Avant is registered as a business in the states it services.
• Avant has been around since 2012.
• Avant has an average user rating of 4.2/5 on WalletHub.
• Avant personal loans have a rating of 3.6/5 from WalletHub's editors.
• Avant has a secure website, which you can tell by the fact that the URL has "https" in front of it.

While Avant personal loans are legit, they may or not be the best choice for you. It's important to compare the terms and requirements of Avant personal loans against your other options before submitting an application.