Disclaimer: The information provided here has been reviewed by the publisher as of the publication date. We recommend visiting the official website of the financial product and assessing your financial situation before applying for a line of credit.

If you’ve been worrying that your credit score might block you from getting a loan, Avant Personal Loan could be the friendly option you’ve been looking for.

Created to help borrowers with fair or even shaky credit, Avant makes it easier to access funds without endless paperwork or long waits.

The process is fully online, quick, and comes with flexible terms. Sure, the interest rates can climb higher than you’d like, but for many people, the speed and accessibility make it worth a serious look.

Avant was born in Chicago back in 2012, with one clear goal: give more people access to personal loans without all the fuss.

Partnering with WebBank to originate loans, Avant has already helped over a million customers. The company stands out for being inclusive—while traditional banks stick mostly to prime borrowers, Avant reaches out to those in the “fair credit” space.

Everything is digital, easy to follow, and focused on speed. In short, Avant aims to give borrowers who often feel left out a fair shot at responsible lending.

People love Avant because it feels accessible and fast. You can check your options without hurting your credit score, borrow enough to cover real needs, and repay in timelines that fit your life.

Add the fact that funds often land in your account quickly, and it’s easy to see the appeal.

Avant wins points for being quick, flexible, and inclusive. Borrowers who feel overlooked elsewhere often find a solid option here, especially if they value a smooth digital journey that cuts down on stress.

It’s not just about speed, but about finally feeling included in the lending conversation.

Of course, every loan has its drawbacks, and Avant is no exception. Costs and limitations matter, especially if you qualify for lower rates elsewhere.

Nobody likes surprises when applying for credit. Avant’s requirements are clear and simple, so you know what to expect before you start the process. Having these checked off means your application flows much smoother.

Your credit score has a big say in the kind of loan you’ll get. Avant welcomes fair-credit borrowers, but the score still shapes what you’re offered.

If your score is around 580 or higher, you may qualify. The higher your score, the better your chances of unlocking bigger loan amounts and more comfortable repayment terms.

APR is tied directly to your credit profile. Lower scores often see rates near 36%, while stronger profiles can drop closer to 10–15%. Avant doesn’t advertise special discounts, but using autopay ensures you stay on track and avoid late fees.

Starting your application with Avant should feel clear and supportive, not confusing. Here’s how the process unfolds so you know exactly what to expect from the first step until money reaches your account.

Avant is a good match if you need money quickly and your credit isn’t spotless. But if you’ve got excellent credit, you may want to shop around for lower rates.

Debt consolidation is where Avant often shines. Instead of juggling multiple cards with varying due dates and high variable rates, you roll them into one fixed loan. Payments become predictable, and budgeting feels less stressful. Avant even offers direct payoff to some creditors, ensuring the loan is used exactly as intended. With steady terms and a set end date, many borrowers find this path brings peace of mind and a clearer plan for tackling debt.

Avant Personal Loan is a lifeline for borrowers who need speed and flexibility but don’t fit into the strict boxes of traditional banks.

While the APR can be heavy, the accessibility and quick funding make it stand out. If your credit is fair and you want a simple, digital path to borrowing, Avant deserves a spot on your shortlist.

Always compare rates with other lenders before you decide.

Upgrade Personal Loan is geared toward borrowers with fair-to-good credit who want transparent rates and extra perks like credit monitoring and financial tools.

Loan amounts reach up to $50,000, which is higher than Avant’s cap, and APRs can also start a bit lower for qualified applicants.

Avant still has the edge in accessibility for lower-credit borrowers and quick approvals. If you value financial management features and slightly larger loan options, Upgrade may appeal more.

But if your priority is fast, inclusive funding, Avant remains a solid choice.