For Bad Credit Options

Avant review

Mid-tier personal loan for fair credit.

Amount

$2,000–$35,000

Term

24–60 months

Cost

APR 9.95%–35.99%; admin fee may apply

Funding

Next business day after acceptance

Source: Avant public terms, as of April 2026. Subject to change.

What it is

Avant lends to borrowers with credit scores typically starting around 580. The product is a fixed-rate installment loan over 2–5 years. An administration fee is charged upfront and deducted from loan proceeds.

Online and mobile-app application flow is fast: rate preview with soft pull, hard pull only on acceptance.

Pros

Accessible to borrowers around 580 FICO
Quick funding (next business day)
Mobile-app-first experience

Cons

Administration fee charged upfront
Top APR near 36%
Maximum $35,000 (lower than some competitors)

Best for

Borrowers with fair credit (580–680) needing $2,000–$35,000 relatively quickly.

Bottom line

Comparable to LendingClub at the lower-credit end of the personal-loan market. Compare offered APR against OneMain if you have collateral.

External link

Avant official site

Continue to Avant

This link goes to Avant’s own website. Cash Rvyn LLC may receive compensation if you choose to sign up with them; this doesn’t change what you pay or how this review is written.