Business Details
14 Years
experience
Trusted Personal Loans & Credit Card Solutions
Since 2012, Avant Credit has empowered customers to achieve financial goals through innovative lending solutions. Our team of 250+ professionals specializes in personal loans and credit cards, serving over 4 million customers nationwide. We prioritize transparency, offering predictable payments, no hidden fees, and 24/7 customer support. Our lending process combines advanced technology with regulatory compliance, ensuring fast approvals and next-business-day fund disbursement. With licenses in multiple states and adherence to federal lending laws, we maintain strict ethical standards while providing accessible financial tools for diverse credit profiles. 
Services
Personal Loans
Credit Cards
Debt Consolidation
Emergency Loans
Home Improvement Loans
Installment Loans
Details
- Year established: 2012
Highlights and features
- We offer fast loan approvals with funds available next business day
- Our transparent terms include no hidden fees or surprise charges
- Predictable fixed payments for stable budgeting and financial planning
- 24/7 personalized customer support for all account management needs
- Innovative online platform with real-time application status tracking
Services
Personal Loan
Unsecured personal loans provide flexible funding for major expenses. Our fixed-rate loans range from $2,000 to $35,000 with terms of 24-60 months. Customers benefit from fast approvals and predictable monthly payments that help manage debt responsibly. Administration fees up to 9.99% apply, with APRs starting at 9.95%.
Credit Card
The Avant Credit Card helps build credit with responsible use. Available with annual fees of $39-$75 and APRs up to 35.99%, it offers credit limits from $300 to $3,000. Features include proactive credit line increases and reporting to all three major credit bureaus for score improvement tracking.
Debt Consolidation
Consolidate multiple debts into one manageable payment. Our fixed-rate loans simplify budgeting by combining credit card balances and other obligations. Terms from 24-60 months with transparent fee structures help customers achieve debt-free goals faster through structured repayment plans.
Emergency Loan
Quick-access loans for unexpected expenses feature fast approvals and next-business-day funding. Available from $2,000 to $35,000 with APRs starting at 9.95%, these loans provide financial relief for medical emergencies, home repairs, or urgent travel needs through a streamlined online application process.
Home Improvement Loan
Funding for home repairs and upgrades ranges from $2,000 to $35,000 with fixed interest rates. No equity required for approval, making it accessible for homeowners needing urgent repairs or planning energy efficiency improvements. Loan terms up to 60 months with predictable monthly payments simplify budgeting for renovation projects.
People
Al Goldstein
Executive Chairman & CEO
Al Goldstein leads Avant Credit's strategic vision with extensive financial services experience. He drives innovation in consumer lending while maintaining regulatory compliance across multiple states.
Margaret Hermes
General Counsel
Margaret Hermes oversees legal operations and compliance as General Counsel. With expertise in financial regulations, she ensures Avant Credit maintains licensing standards across all operating jurisdictions.
Questions
How quickly can I receive loan funds?
Approved applicants typically receive funds via ACH transfer the next business day if approved by 4:30pm CT Monday-Friday.
What credit score is required for approval?
Avant Credit considers applications from fair credit scores (580+) and reports to all three major credit bureaus for score improvement tracking.
Are there prepayment penalties?
Administration fees above 5% of the loan amount are prorated and refunded if paid in full early, but partial prepayments don't trigger refunds.
How do I check my eligibility?
Use our online pre-qualification tool that performs a soft credit check without affecting your credit score.
What loan amounts are available?
Personal loans range from $2,000 to $35,000 with terms of 24-60 months, subject to state-specific minimums and credit determination.
