THis has by far been one of the best experiences I have ever had in processing a loan, mortgage, or credit request. I was initially skeptical because I applied for a consolidation loan 5-6 months previous to this one and only got enough to cover two credit cards. It was better than nothing, so I accepted. Well, I needed to consolidate THAT loan and all my credit cards into one payment; that would be so beneficial to my monthly finances and I wasn't sure if AVANT would approve. I took and chance and got pre-approved almost immediately. I went through the other steps to finalize the paperwork and before I knew it, the full amount of the loan was approved!! I don't mind the interest rate, because as others have stated, I intend to pay it off early. This was a really seamless and expedient process. I actually was able to move my payment date as well. Great customer service! Thanks AVANT!!