Updated April 2026Expert Reviewed
A
Avant Personal Loan Review
4.2
APR Range
9.95% - 35.99%
Loan Amounts
$2,000 - $35,000
Repayment Terms
2-5 years
Min. Credit Score
580
Origination Fee
Up to 4.75%
Funding Speed
Next business day
4.2
Our Verdict
Avant is best for bad credit borrowers, offering competitive rates with next business day funding.
Pros
- Low credit score accepted
- Quick funding
- Mobile app
- Next business day funding available
Cons
- Origination fee: Up to 4.75%
- APR can go up to 35.99%
- Min credit score: 580
How Avant compares
| Lender | Rating | APR | Fees | Speed |
|---|---|---|---|---|
| Avant | 4.2 | 9.95%-35.99% | Up to 4.75% | Next business day |
| SoFi | 4.9 | 8.99%-29.99% | Optional (0-7%) | Same day |
| Upgrade | 4.7 | 9.99%-35.99% | 1.85%-9.99% | Same day |
| LightStream | 4.9 | 6.49%-25.99% | None | Same day |
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Avant FAQ
Avant requires a minimum credit score of 580. However, the best rates are typically available to borrowers with excellent credit (720+).
Avant typically provides funding in next business day. Actual funding times may vary depending on your bank and application completeness.
Avant's origination fee is Up to 4.75%. This fee is typically deducted from the loan disbursement.
Most personal loan lenders, including Avant, offer a soft credit check for prequalification that does not impact your credit score. A hard inquiry only occurs when you formally submit a full application.
Avant offers personal loans ranging from $2,000 to $35,000 with terms of 2-5 years. The exact amount you qualify for depends on your creditworthiness, income, and debt-to-income ratio.
Avant earns a 4.2/5 rating in our analysis. It's best for bad credit borrowers. Key strengths include low credit score accepted and quick funding. APR ranges from 9.95% to 35.99%, which is competitive.
Lauren Vasquez
Senior Financial Analyst · CFP®, Former Loan Officer
Lauren Vasquez is a Certified Financial Planner with over 12 years of experience in personal lending and consumer finance. She spent eight years as a senior loan officer at Wells Fargo before joining Fast Loan Express to help everyday borrowers cut through the noise and make smarter decisions.
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