Avant, LLC
Avant Review 2026
Fair-credit personal loans with a clean digital experience and fast funding.
Who Avant is best for
Borrowers in the 580–660 FICO range who want a straightforward online lender with transparent terms.
At a glance
- Minimum FICO accepted
- ~580
- Max APR
- 35.99%
- Max loan amount
- $35,000
- Funding speed
- 1–2 business days
- Co-applicant support
- Yes — co-signers allowed
Avant primarily serves the 580–700 FICO range
Within the 36% consumer protection ceiling
Reasonable maximum for a consolidation loan
Fast ACH funding after final approval
Avant allows co-signers; a stronger co-signer profile can improve rate and approval odds
Pros
- +Primarily serves the 580–660 FICO range — built for this exact borrower profile
- +APR range of 9.95%–35.99% gives a meaningful rate spread for improving credit profiles
- +Clean digital experience — application, approval, and account management fully online
- +No prepayment penalty — pay off early to reduce total interest
Cons
- −Administration fee (origination) applies — up to 9.99% depending on state and creditworthiness
- −Loan maximum ($35,000) lower than Upstart or Happen Bank
- −Borrowers with scores below 580 may not qualify
Avant requirements
- US residents 18+
- Minimum ~580 FICO; income verification required
Avant alternatives
Top alternatives worth comparing from Best Personal Loans for Bad Credit 2026.
OneMain Financial
OneMain Financial
Borrowers who want a direct lender with in-person service or who can pledge a vehicle as collateral for a lower rate.
Upstart Network (lending partners)
Upstart
Borrowers with thin credit files or high income relative to their current credit score.
LendingPoint, LLC
LendingPoint
Borrowers who want fast approval and a lender that emphasizes income alongside score, with no disclosed FICO floor.
Ready to apply?
Application takes minutes. Pre-qualification (where available) uses a soft credit pull with no impact to your credit score.
See if you qualify→Last verified at the issuer on 2026-07-30
Compare Avant head-to-head
The full lineup
See all picks in Best Personal Loans for Bad Credit 2026
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Avant scores 4.1 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Borrowers in the 580–660 FICO range who want a straightforward online lender with transparent terms.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Avant
What credit score do I need for an Avant personal loan?+
Avant targets borrowers in the 580–660 FICO range, making it one of the more accessible online lenders for fair-credit borrowers. A 580 FICO is the published minimum floor; applicants closer to 640–660 are more likely to qualify for rates in the lower part of Avant's APR range (9.95%–35.99%). Avant also considers income, debt-to-income ratio, and payment history — a stable income and no recent delinquencies improve approval odds and offered rate even at a lower FICO.
Does Avant charge an origination fee?+
Yes — Avant charges an administration fee (origination fee) of up to 9.99%, depending on your state and creditworthiness. This fee is deducted from the loan proceeds, so you receive less than the stated loan amount. For example, a $10,000 loan with a 9.99% administration fee delivers approximately $9,001. The fee is included in the APR calculation. When comparing Avant to no-origination-fee lenders like SoFi, factor the origination fee into the true total cost of the loan.
How fast does Avant fund personal loans?+
Avant advertises next business day funding for approved applications completed before certain cutoff times. Same-day funding is not guaranteed. The full process — application, income verification, approval, and funding — typically takes 1–2 business days. Avant's fully digital application and automated income verification help compress the timeline. Verify the current funding timeline at avant.com.
Is ClearValue Lending affiliated with Avant?+
No. ClearValue Lending is a small business funding platform — not a personal lending service or Avant affiliate. This review is editorial content based on publicly available information. Personal loan terms, rates, fees, and eligibility are determined by Avant and WebBank (the issuing bank). Verify current terms at avant.com before applying.
Does checking my rate with Avant affect my credit score?+
No — Avant's rate-check step uses a soft credit inquiry that does not affect your credit score, per Avant's own disclosure that checking your loan options does not impact your credit score. A hard credit inquiry, which can affect your score, only occurs if you accept an offer and complete the full application. This lets fair-credit borrowers see an estimated rate before committing to a hard pull. Verify current terms at avant.com.
Related guides
Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.