Avant is a legitimate, licensed lender. They are registered with state financial regulators, use 256-bit SSL encryption, and are accredited with the Better Business Bureau. While they have some customer complaints (as most lenders do), there are no major fraud patterns or regulatory actions that would indicate a scam.
Trust Signals We Verified
Things to Know Before Applying
- Origination fee up to 9.99% increases your effective loan cost
- APRs start at 9.95%, higher than some competitors
- Maximum loan of $35,000 is lower than many lenders
- Some customer complaints about customer service response times
Avant Loan Details
| APR Range | 9.95% – 35.99% |
| Loan Amounts | $2,000 – $35,000 |
| Loan Terms | 2 – 5 years |
| Min. Credit Score | 550 |
| Origination Fee | Up to 9.99% |
| Time to Fund | 1 business day |
Looking for a Strong Alternative?
If you're comparing options, Upstart is worth checking. Like Avant, Upstart accepts borrowers with lower credit scores — but Upstart has no minimum credit score requirement at all, offers loans up to $75,000 (vs Avant's $35,000), and funds in 1 business day. Check your rate with no credit impact.
Check Upstart Rate — No Credit Impact →Frequently Asked Questions
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Upstart