Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Avant review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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.

Our verdict

Avant suits US borrowers who want a fixed-rate personal loan with predictable monthly repayments and a card alongside it. The cost is the trade-off: APR runs 9.95% to 35.99%, and Administration fee up to 9.99%, deducted from loan proceeds is deducted from loan proceeds.

Key facts

Best for
A fixed-rate personal loan paired with a cashback card.
APR
9.95% to 35.99%↗
Loan amount
$2,000 to $35,000↗
Term
24 to 60 months↗
Arrangement fee
Administration fee up to 9.99%, deducted from loan proceeds↗
Credit check
Hard↗
Funding time
Next business day via ACH if approved by 4:30pm CT Monday-Friday↗
Representative example
$5,700 loan with 9.99% administration fee, amount financed $5,130.57, 36 monthly installments, APR 29.95%, monthly payments $217.66↗
Rate type
Fixed↗
Lender type
Broker↗
Origination fee (%)
9.99%↗
Loan types
Personal, Debt-consolidation, Business↗
Use cases
Home-improvement↗
Legal entity
Avant, LLC↗
Headquarters
United States↗
Founded
2012↗
Support channels
Help-centre, Phone↗
Pricing model
Fixed rate
Features
Rewards
Official website
avant.com

Credit cards

Annual fee
$0 to $125↗
Rewards type
Cashback↗
Rewards rate
1% cashback↗
Perks
Proactive credit line increases, Mobile app account management, Mastercard zero liability protection, Checking if you qualify will not impact your credit score↗
Cashback rate
1%↗
Card kind
Credit↗

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
App Store
Elsewhere
LinkedInX

Pros and cons

Pros

  • Loans are fixed rate, fixed rate, with amounts of $2,000 to $35,000 and terms of 24 to 60.
  • The card pays 1% cashback and its annual fees run $0 to $125.
  • Perks include Proactive credit line increases, Mobile app account management and Mastercard zero liability protection, with a qualification check that does not affect your credit score.
  • Approved loans are funded the next business day by ACH when approval lands before the daily cut-off on a weekday.

Cons

  • Administration fee up to 9.99%, deducted from loan proceeds is taken out of what you receive rather than billed as a separate item.
  • Applications run a hard credit check, hard, so a rejection stays on your record.
  • Support runs on help centre and phone only.
Avant

Ready to try Avant?

Scored 8.8 / 10 by SumCue.

See alternatives

Who it suits

  • US borrowers who want level repayments: loans are fixed rate over 24 to 60.
  • Anyone consolidating debt or planning home improvement, since personal, debt consolidation and business loans and home improvement are covered.
  • Card users after plain cashback, with 1% cashback on a credit card.

Who should look elsewhere

  • Borrowers after a larger amount: Creduma ES lists amounts from from €12,000.
  • Anyone wanting a lower ceiling on rate: Sofkredit's APR runs 10.74% to 18.06%, under the top of 9.95% to 35.99%.

Deposit protection

Avant is a broker, broker, so it places your application with a lending partner rather than funding you itself. Licensing is with the NMLS, 1440089, and with the Connecticut Department of Financial Services under a small loan company licence, SLC-1246731. The representative example shows the administration fee removed from the amount financed.

The company behind it

The brand operates as Avant, LLC, is based in the United States and was founded in 2012. Queries are handled through help centre and phone, so a help centre and phone lines carry the contact. The licences on record are the NMLS registration, 1440089, and the Connecticut small loan company licence, SLC-1246731.

How Avant compares

Where Avant is available

Available
United States
Licence in United States
NMLS (Nationwide Multistate Licensing System) (1440089), checked September 26, 2026
Licence in United States
Connecticut Department of Financial Services (Small Loan Company License) (SLC-1246731), checked September 26, 2026
Licence in United States
New Mexico Regulation and Licensing Department, Financial Institutions Division, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Avant charge for a personal loan?+

APR runs 9.95% to 35.99% on personal loans, and the rate is fixed, so the figure holds for the life of the borrowing. Terms run 24 to 60. For scale, the site median APR across borrowing is 15.5%, so this sits above the middle of the market.

What fees apply to an Avant loan or card?+

A loan carries Administration fee up to 9.99%, deducted from loan proceeds, which is taken from the amount financed rather than billed on top. The card is a credit card whose annual fee runs $0 to $125, and it pays 1% cashback on spending.

How fast is money paid out?+

Approved loans are funded the next business day by ACH, provided approval comes through ahead of the daily cut-off on a weekday. The application uses a hard credit check, hard, so the decision is a full check rather than a soft pre-qualification.

Is Avant the lender or a middleman?+

Avant works as a broker, broker, matching your application with a lending partner instead of lending the money itself. The operating company is Avant, LLC, based in the United States and founded in 2012.

Which regulators license Avant?+

Licences are held with the NMLS, 1440089, and with the Connecticut Department of Financial Services small loan company licence, SLC-1246731. Every licence on record is a US licence, so the service is aimed at US borrowers.

What is Avant's lending meant for?+

Loan types run to personal, debt consolidation and business, and the named use case is home improvement, so the money fits repairs and debt consolidation. Amounts of $2,000 to $35,000 and terms of 24 to 60 suit a mid-sized project rather than a small top-up.

How do I get hold of Avant support?+

Support runs on help centre and phone, so a help centre and phone lines are the routes in. Routine account tasks are handled in the mobile app, which is part of the Proactive credit line increases, Mobile app account management and Mastercard zero liability protection listed for the card, so most queries need no call.

How big are Avant loans against other brands?+

On loan amount, Avant sits at position 218 among 665 brands listed, and the site median amount is €526.18. Avant's own range of $2,000 to $35,000 sits well above that typical figure, which is where it stands out.

Sources

  • avant.com/about-us checked September 26, 2026

    Backs: Founded, Headquarters

    “Since 2012, people have looked to Avant for the solutions they need to take charge of their financial lives.”

  • avant.com/credit-card checked September 26, 2026

    Backs: Annual fee, Card kind, Perks

    “Ranging From $0-$125 ANNUAL MEMBERSHIP FEE”

  • avant.com/credit-card/landing/rewards-terms-and-conditions checked September 26, 2026

    Backs: Cashback rate, Features, Rewards rate, Rewards type

    “1% Cashback”

  • avant.com/licensure checked September 26, 2026

    Backs: Legal entity, Licences

    “Avant, LLC Nationwide Multistate Licensing System #1246731.”

  • avant.com/personal-loans checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Funding time, Lender type, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Support channels, Term, Use cases

    “Loan amounts range from $2,000 to $35,000.”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Avant

Avant

A fixed-rate personal loan paired with a cashback card.

8.8/10See alternatives