I was denied a loan from my bank because I had a few credit dings about a year ago (screw comcast). I had no other choice but to check out Avant after hearing about them from local media sources. The application took about 10 minutes and was pretty straight forward. I make decent money but my bank denied me, but I was in need for short term money to pay for housing repairs due to a leak. My apr was right around 35%, but if you plan accordingly and payoff the balance quick it's not a bad price to pay. Definitely worth checking out, plus, unlike payday loans they report to the 3 major credit bureaus. If you make timely payments, it'll help improve your credit score as well!
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I applied for a $4,500 loan, which I was approved for. Durning the final review phone call, the customer service agent said I was actually not approved for the terms I chose (which I had already printed out and digitally signed) but for different terms with a longer repayment schedule.
Of course they don't want you to pay your loan off sooner- that's less interest they'll collect. Granted I could pay it off as soon as I desired, but most consumers see the minimum payment and think that's all they have to worry about. After sleeping on it for a night, I called them and asked to close my loan. To their credit, customer service was helpful, and I wasn't charged any fees.
Avant is a consumer lender offering a fast, simple, and secure borrowing experience to consumers with less than perfect credit.
Borrowers can apply online for a personal loan ranging from $1,000 to $35,000. Avant customers can take advantage of competitive APRs with no hidden fees or charges, and a completely easy and friendly experience.
Founded in 2012, Avant is headquartered in Chicago, IL. Avant offers 24/7 customer support now servicing 46 states.
**Annual Percentage Rates, terms of loan, and monthly payments presented are estimated and were created based upon information entered by the consumer and through analysis of information publicly available at lender websites. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms presented do not bind any lender. Lenders generally have a range of available APRs (for example, a lender’s range might be 7% to 30%) and only borrowers with excellent credit will qualify for the lowest rate available. Your actual APR will depend upon factors evaluated at the time of application, which may include credit score, loan amount, loan term, credit usage and history. All loans are subject to credit review and approval. When evaluating offers, please review the lender’s Terms and Conditions for additional details.