Updated September 28, 2026 · SumCue Editorial Team
Avant Money vs Wells Fargo
Avant Money
Higher score in this comparison
Wells Fargo
Avant Money vs Wells Fargo: the differences
| Compare | Avant MoneyReviewSee alternativesSee alternatives | Wells FargoReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 6.1% to 19.9%Lower | 18.74% to 28.74% |
| Loan amount | €5,000 to €75,000 | $3,000 to $100,000 |
| Term | 12 to 120 monthsHigher | 12 to 84 months |
| Arrangement fee | 0 (no set up fee) | 0 USD |
| Representative example | Personal Loan: EUR 30,000 over 5 years at fixed 5.9% (6.1% APR), EUR 578.59 a month, total cost of credit EUR 4,715.41, total amount repayable EUR 34,715.41 | Unsecured personal loan: $17,000 over 48 months at 13.99% APR, monthly payment $464 |
| Eligibility | Residents of the Republic of Ireland over the age of 18, subject to repayment capacity and financial status | Existing customers only: must have been a Wells Fargo customer for at least 12 months |
| Loan types | Personal, Car, Debt consolidationCovers more | Personal, Debt consolidation |
| Funding time | Not confirmed | Same day as approval for most customers |
| Credit needed | Excellent | Not confirmed |
Same on both: Credit check (Hard), Rate type (Fixed), Lender type (Direct lender), Free early repayment (Yes), Origination fee (%) (0%), Use cases (Home improvement).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Avant Money scores higher overall: 9.4 vs 9.3.
- Avant Money is licensed in 1 more country.
- Avant Money is available in 1 more country.
- APR is lower at Avant Money: 6.1% to 19.9% vs 18.74% to 28.74%.
- Term is higher at Avant Money: 12 to 120 months vs 12 to 84 months.
- Support channels: only Avant Money offers Email.
- Pricing model: only Avant Money offers Fixed rate.
- Pricing model: only Wells Fargo offers No annual fee.
- Loan types: only Avant Money offers Car.
Our verdict on each
Avant Money
Avant Money suits Irish borrowers with an excellent credit record who want a fixed rate personal loan at 6.1% to 19.9% with no set up fee. The group also lends for cars, home works and debt consolidation, and takes fixed term deposits, so the offer runs past a single product.
Wells Fargo
Wells Fargo suits US customers who want one bank for a rewards card, easy-access checking and a fixed-rate personal loan. Deposits sit under FDIC protection, and the card pairs an annual fee of $0 with 2% cash rewards at an APR of 18.74% to 28.74%.
Score breakdown
| Area | Avant Money | Wells Fargo |
|---|---|---|
| Cost | 9.3HigherCosts rest on interest rather than fees: APR of 6.1% to 19.9% on the personal loan, a mortgage product fee of €185. | 8.8 |
| Offer | 9.5Higher | 9.1Annual fee of $0 plus 2% cash rewards on spending, against a card APR of 18.74% to 28.74% that is high for the market. |
| Trust | 9.4 | 9.9Higher |
Positions in our rankings
| Ranking | Avant Money | Wells Fargo |
|---|---|---|
| Savings | 127 of 1492 | 240 of 1492 |
| Loans | 227 of 2043 | 370 of 2043 |
| Personal loans | 203 of 1317 | 331 of 1317 |
| Mortgages | 80 of 853 | 159 of 853 |
| Credit and debit cards | 156 of 1594 | 272 of 1594 |
| Balance transfer cards | 4 of 32 | 8 of 32 |
Sources behind this comparison
Avant Money
- avantmoney.ie: 17 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
Wells Fargo
- wellsfargo.com: 16 facts, checked September 26, 2026
- banks.data.fdic.gov: 2 facts, checked September 26, 2026
- creditcards.wellsfargo.com: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Avant Money | Wells Fargo |
|---|---|---|
| Pricing model | Fixed rate | No annual fee |
| Features | Rewards | Rewards |
| Legal entity | AVANTCARD DAC | Wells Fargo National Bank West |
| Headquarters | Ireland | United States |
| Founded | Not confirmed | 1852 |
| Support channels | Phone, Email, Help centreCovers more | Phone, Help centre |
Credit cards
| Fact | Avant Money | Wells Fargo |
|---|---|---|
| Annual fee | €0 | $0 |
| Currency conversion fee | Not confirmed | 3% |
| Rewards type | Cashback | Cashback |
| Rewards rate | 5% groceries and fuel first 12 months | 2% cash rewards |
| Balance transfer intro period | 6 months | 12 monthsHigher |
| Cashback rate | 5%Higher | 2% |
| Card kind | Credit | Credit |
Savings
| Fact | Avant Money | Wells Fargo |
|---|---|---|
| Headline rate | 2.72% | Not confirmed |
| Minimum deposit | €2,000 | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | FDIC up to USD 250,000 |
| Access terms | One withdrawal of up to 25% of the balance after the first 8 weeks; no full withdrawal until maturity | more ways to access your money |
| Monthly fee | €0 | $5 |
| Account kind | Fixed | Easy access |
Mortgages
| Fact | Avant Money | Wells Fargo |
|---|---|---|
| Initial rate | 3.2% | Not confirmed |
| APRC | 3.62% | Not confirmed |
| Fixed period | 4 years | 30 yearsHigher |
| Maximum loan to value | 90% | 100%Higher |
| Product fee | €185 | Not confirmed |
| Purpose | Purchase, Remortgage, First time buyer | Purchase, Remortgage, First time buyer, Home equityCovers more |
Debit cards
| Fact | Avant Money | Wells Fargo |
|---|---|---|
| Free ATM withdrawals | Not confirmed | $0 |
| Card type | Not confirmed | Debit |
| Card network | Not confirmed | Visa |
Where each stands against the rest
| Fact | Avant Money | Wells Fargo | Median |
|---|---|---|---|
| APR | 6.1% to 19.9%below the median | 18.74% to 28.74%above the median | 9.99 |
| Term | 12 to 120 monthshighest quarter | 12 to 84 monthsabove the median | 60 |
| Origination fee (%) | 0%at the median | 0%at the median | 0% |
Median across 1096 listed providers.
Pros and cons
Avant Money
Pros
- No set up fee on the home improvement loan, at 0 (no set up fee)
- Personal loan APR of 6.1% to 19.9% on a fixed rate, against a group median of 14.43%
- Free early repayment on personal loans, so settling ahead of schedule costs nothing
Cons
- Credit checking is hard and the credit bar is excellent, a standard only 2.8% of lenders in the group ask for
- The top of the personal loan rate range is 6.1% to 19.9%, so what you pay depends on your own credit profile
- The deposit is fixed with a €2,000 minimum, and access before maturity is limited to a single partial withdrawal
Wells Fargo
Pros
- Personal loans carry an arrangement fee of 0 USD and free early repayment, with funding Same day as approval for most customers.
- Deposits are covered by FDIC up to USD 250,000, and the bank is listed as FDIC cert 27389.
- A 12 month introductory period applies to balance transfers on the card.
Cons
- The card APR of 18.74% to 28.74% is steep for a card with no annual charge, so a balance carried month to month costs a lot.
- Personal loans are for existing customers who have been with the bank for a waiting period, which rules out new applicants.
- Support runs on phone and help centre only.
Who each suits
Avant Money
Who it suits
- Adults living in Ireland who can show repayment capacity and financial status
- Borrowers consolidating existing debt, since personal, car and debt consolidation includes consolidation
- Home owners planning works, given the home improvement loan
Who should look elsewhere
- Cashspace, for borrowers outside Ireland, since it quotes PHP 12 to PHP 36 and Avant Money lends only to Irish residents
- Creduma ES, for a larger euro loan, since Creduma ES starts at from €12,000 against €5,000 to €75,000 here
- Sofkredit, for a Spanish lender, since Sofkredit quotes 10.74% to 18.06% under a Banco de España licence
Wells Fargo
Who it suits
- US customers already banking with Wells Fargo who want a rewards card and loans from the same lender.
- Households holding savings, since deposits carry FDIC up to USD 250,000.
- People planning a home purchase or remortgage, as the listed mortgage purposes are purchase, remortgage and first time buyer.
Who should look elsewhere
- Not for applicants with no credit history, since personal loans run a hard credit check, while Varo Believe Secured Credit Card is aimed at rebuilding credit.
- Not for euro or sterling spenders: bunq and Wise both charge an annual fee of €0 and £0, while Wells Fargo is a US bank.
Current offers
Avant Money
Current offer
Bonus
1% cashback incentive on new or top-up One Mortgages (mortgage product): 1% cashback, e.g. borrow EUR 400,000 and receive EUR 4,000
Eligible new or top-up One Mortgages drawn down between 1 January 2026 and 31 December 2026; cashback paid within two months of drawdown; lending criteria, terms and conditions apply
Source, checked September 26, 2026
Wells Fargo
Current offer
Bonus
Active Cash Card $100 cash rewards bonus: $100
spend $500 in purchases in the first 3 months
Source, checked September 26, 2026
Country by country
| Country | Avant Money | Wells Fargo |
|---|---|---|
| Ireland | Yes | No |
| Spain | Yes | No |
| United States | No | Yes |
Questions about each
Avant Money
How much can I borrow from Avant Money and over what term?+
The personal loan runs from €5,000 to €75,000 over terms of 12 to 120. Avant Money lends direct rather than through a broker, and the rate is fixed, so the quoted figure holds for the life of the loan rather than moving with the market. Longer terms cut the monthly payment and raise the total repaid.
What APR do I pay on a personal loan?+
The personal loan is priced at 6.1% to 19.9% on a fixed rate. The personal loan median across the group is 14.43%, so the range opens below the middle of the market, and the point inside the range you are offered depends on your credit profile.
Wells Fargo
What does the Wells Fargo credit card cost to keep?+
The Active Cash card has an annual fee of $0 and pays 2% cash rewards on spending. Borrowing on it costs an APR of 18.74% to 28.74%, which is high for a card with no annual charge. Rewards are cashback, so you get money back rather than points or miles.
Is there an interest-free period for balance transfers?+
The Active Cash card terms set an introductory balance transfer period of 12. That window is for balances you move onto the card, so plan the transfer before it ends. Afterwards the standard rate on the balance takes over.
Other options to compare
Other matchups
Avant Money
Wells Fargo