If I had a 750 FICO score or family members willing to lend me 7K, of course I wouldn't have taken out a loan with Avant. But my sore was only 645, and my family is always broke. I am grateful Avant took a chance on me. The application was easy. I received the money in two days, and my payment was only $287/month for the next three years. I never made a late payment, but sometimes I took advantge of the 10 day grace period. However I did that knowing full well additional interest would accrue. That's a loan 101. I read several one star reviews for Avant from people complaining about the extra interest they were charged for extending their due date. I SMH at those people because they clearly lack the financial maturity needed to borrow money. I got myself back on track to pay my loan off on time by paying on the original due date again and increasing my payment a bit. (You can adjust the payment amount just like you can the due date.) Thanks to Avant, I got the cash I needed, and the manageable repayment terms helped to increase my credit score. The only negative thing I have to say about them is their customer service department is terrible. You have ot search for their 800 number, and when you do call them, they speak loosely. You will not get a definite answer from them about anything. They want to profit from customer confusion. It's not right, but it comes with the territory of subprime lending.
But I digress. Avant is a hassle free option for those with no other choices. Just make your payments on time, and you'll have no problems. Easy :).