Avant
Last updated July 2026 · Educational overview — not an endorsement
Relief Guardian is not a lender and does not recommend one lender over another. This page presents factual, publicly available information to help you evaluate Avant against other options before borrowing.
Company Overview
Avant offers unsecured personal installment loans ranging from $2,000 to $35,000, with terms of 24 to 60 months. Loans are issued through WebBank, an FDIC-insured bank — Avant itself is the online platform, not the bank. Avant doesn't offer secured loans or allow co-signers — every loan is unsecured and based on your own application. Funding is typically available as soon as the next business day if you're approved before Avant's daily cutoff time.
Loan Products
- Unsecured personal installment loans
Typical Loan Amount
$2,000 – $35,000
Loan Term
24 to 60 months
Funding Timeline
Avant advertises next-business-day funding for loans approved before its daily cutoff time.
Credit Review Process
Avant uses a soft credit pull to show you a rate estimate before you apply, which doesn't affect your score. A full application involves additional verification. Avant primarily serves borrowers with fair or “near-prime” credit, typically in the 580–700 range, and states a minimum income requirement of roughly $1,200 a month.
Soft Inquiry
Hard Inquiry
Alt. Underwriting
Income Check
State Availability
Availability varies by state. Check Avant's website to confirm current state-by-state availability before applying.
Potential Benefits
- Some of the fastest funding among lenders covered in this guide, often the next business day after approval
- Fully online application that usually takes just a few minutes to complete
- No penalty for paying the loan off early
Potential Considerations
- Origination fee of up to 9.99% of the loan amount, deducted from what you actually receive
- States a minimum income requirement of roughly $1,200/month (about $14,400/year)
- Does not offer secured loans or allow co-signers
Frequently Asked Questions
What credit score does Avant require?
Avant typically works with borrowers whose credit score is in the 580–700 range — noticeably higher than some other lenders in this guide, so Avant tends to be a better fit if your credit is closer to fair than to poor.
How fast does Avant fund approved loans?
Avant advertises some of the fastest funding among lenders covered in this guide, often the next business day after approval, provided you're approved before its daily cutoff time.
Learn More Directly From Avant
Always review current rates, fees, and state availability on the lender's own website before applying.
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