Avant Reviews

So I had to get a replacement card. They said that they were sending it out, that would have been June 5th. We are now in July. I've spoke to them six times and now they are beginning to attempt to investigate me because I'm the problem. It's me right? Even so much as telling me that my apartment number was not on my address, either way I've been here for a few years now so what's your point. They're outsourced but they're told to tell their customers that they're in Chicago so they don't tell them they want all my personal information they want me to prove my address. Fine but they won't contact me for 14 15 days.

I have been with Avant for a year. I had made a purchase that had doubled in cost from what I had originally agreed to pay to a company. The cost originally was $16.99; it doubled to $33.53. When the company did not send the product for 3 months, I contacted Avant to tell them the situation. Avant did not resolve it!! 6 months later, I did receive the product I ordered after I had to complain & fight for 6 months via email only with the fraudulent company. Because I made a dispute, I accidentally paid the $33.53 twice, so I had a credit of $33.53!

WORST CREDIT CARD EVER!!!! They gave me a card 60 days ago with a $3,000 credit limit. I put the card aside for emergency services and I was just informed that they closed my account for not using it in 60 days!!! Who does that???? I worked like a dog for three years to get my credit score to 710. Because of what this, my score is now 660!! There are so many other companies that won’t do what these idiots did. Stay away.

Great company to do business with! Fast and easy application process!

Stay far far far away!! They are terrible about communicating, paying them or paying them off is like fighting tooth and nail!! Their customer service and payment center is the worst I have ever dealt with! I highly advise anyone looking at getting a loan or credit card with them to run as fast as you can in the other direction! There are other lenders out there!

I used a new credit card with a low balance transfer to pay off my Avant card. Over 2100.00 payment made to them. They have mysteriously not been able to locate the payment, after sending them reference numbers, escalation letters, the ACH electronic deposit numbers all from the other credit card company that paid the balance. I have called everyday for a month, now had to make two extra payments so not to be late and ding my credit. Avant customer service has done nothing, puts me on hold for 20 plus minutes and tells me that they cannot find it or do anything about it. I have contacted the BB to try and help me resolve this.

I’ve had an extremely frustrating and disappointing experience with Avant. This company shows little to no consideration for customers facing real-life hardships. I run a mobile detailing business, so my income depends heavily on weather conditions. During the heavy rain seasons each year in my area, I’m unable to work consistently. This past year has been especially difficult due to repeated storms and even equipment damage, which caused me to fall behind on payments.

Today, March 26, 2026 I use the app to make a payment. I accidentally typed in $550 instead of $50. When I realized the mistake I tried to cancel the payment with the app and it said cannot cancel payment so I called the company directly with the number on the credit card, they said they could not cancel the credit card payment because it was past the time since I made the payment in other words more than a few minutes. I swear I made the payment at 2:34 and called them at 2:36 PM. Two minutes? It’s a $500 mistake and they won’t fix it. I asked them can they just change it to $50. They said no.

Awful! I keep paying over my minimum payment, and the amount I owe doesn’t go down!! I feel like I’m getting scammed. I never had a card like that. I’m so stressed out, it’s awful. I can’t wait to pay it off and close it. I do not even care that it’ll lower my credit score at this point. It’s like a nightmare with this card.

The website is terrible and when making a pay off they will double the payment you input and then lie to you, will not cancel one of the 2 payments made. Worse customer services hold times and continuous lies.

What a shady company. After being with them for over a year, they slapped me a $8.99 monthly fee and read my APR by 6% to 35.99%. For no reason at all. So decided to get a 0% APR U.S. Bank credit card for balance transfers up to 24 months. Now I have a better credit card with no monthly fees and smaller APR. Bye-bye Avant.

I thought I had a case of 5 hundred dollar fraud on my card that they didn't even look into before closing my case without telling me so l had to pay for the fraud 500 all of it. l'm going to get a loan and pay my card off with them and thank God and Greyhound they will be out of my life.

Beware. Make sure you know this company before you start dealing with them. I have been with Avant 5-6 years and today I am happy to say I am cutting my card and my account with these overcharging crooks. When I started no monthly fee. Now a fee, this Fee I have never agreed to have. Any opportunity to place a fee or damage credit they are there to hurt you any way they can. This company should be reported.

Horrible customer service. Would not let me speak with a supervisor. 2 cs reps lied and gave me bad information. This company wouldn't allow my business partner to pay my bill when I was away on business even after I authorized him to do so. They are the worst cc company. Web bank should be ashamed.

I think this company is fine as far as setting up loans. However, their customer service is abominable. The agent who answered my call was extremely rude and snippy. He acted as if I was asking for the moon. His tone was rude and snobbish. I wish I could remember his name, but he needs to be reprimanded at once.

They do not tell you the truth. Making a payment takes 7 days, not credited the next day like they say. They tell me that's how long it takes. Well I got news for them that American express, Discover, Capital One, Citi Bank and all other cards are credited the next day. I will never use this card again and filing a complaint to the FTC and the CFPB about their deceptive practice. Use any other card! Do not get a credit card from them. If the credit card is so bad, I would not get anything from them.

They are liars. They don't want people with low credit scores. They are also discriminatory. They have denied my husband more than once and me as well because they use fake credit scores and fake clarity.

I have never been spoken down to so much by customer service of a company that I gave thousands of dollars to in interest. I was a wonderful customer and always paid my payments on time and I will not be back.

They gave me a better APR than other companies. But I am leaving this review for their customer service. They automatically charge my checking account every month for my loan. I made sure to deposit $1900 into my account on the 2nd, knowing they would pull it on the 7th or 8th. For whatever reason, my bank did not process my check until the 9th...so maybe that part is their error. But Avant charged me a $15 return fee when the attempt to pull the funds did not go through. I called them to explain the situation and they refused to refund it, even though I had proof of my story. They told me point-blank they could not, which is just a crock.

I have had this card since 2023 and have used it responsibly. Paid off multiple times never late. Out of the blue they decided to start charging me a annual fee of 109 dollars. Maximum on website says 75 BTW. Only way to not get fee is to close account. Makes me feel like garbage to be "rewarded" for my good history with them.

I closed my account in 2024. In Aug 2025 I see charges on my account. I dispute the charges and let them know that I canceled this card months prior and shredded the physical card. Now they want me to pay the bill and said they will refund me when their fraud investigation is done and if I don't pay it, they will report to the credit bureau. It's been over a month! I shouldn't have to give my money to them While they drag their feet. It's not my charge!

Terrible support, they did not fix any issue and mistake they made. I never received my card and they can not do anything about it! Horrible company. Save your credit for a better company who offer better rate and better support.

They were able to approve me for a loan. I couldn't believe how fast it all happened. Thanks for being there for me at this time. I had my money the very next day. I really needed it at that time. Definitely will refer you to my friends and family.

I have a brand new card. I activated it and tried to use it at Amazon and it was declined. It is not worth having if every transaction is declined. I wanted to use it as a way to pay for supplies for my hobby and pay it back once I sold the items I built. This card is not for me.

Pissed off customer, I paid the balance on my card with Avant on September 11th 2025, as soon as I paid the remaining balance they hit me with late interest fees. I called and filed complaint, it fell on deaf ears. I will not recommend Avant to any one for any reason, Avant is shady when dealing with their customers. I shredded my card and closed account. Too bad they do not operate like Capital One!!!!

I was charged twice for a purchase which is affecting my available credit, and Avant refuses to remove the pending charge from my account. Also, no 24 hour customer service available and when you do get to speak with one, they are useless!

On Saturday, applied for a $6500 loan and was approved. At the end there was "sign and complete" which was done, only to meet with this error message "The loan is in an uncoverable state, which your browser version." After 3 days and 4 calls to them to resolve this issue, I told them, let me complete the process or cancel the loan because I was not calling back in an hour. They canceled the loan and said that I could apply again anytime. It is now the next day, and the "check loan options" does not even appear on my dashboard. I have never seen an organization try so hard not give money to someone that was already approved.

On August 1, I pay the balance due on my account. The next day when I checked my account, there was $15.99 placed on the account. When I called about it, she inquired that that was interest so I paid that balance and I asked the agent will there be any more charges she apply? "No, your balance is paid in full." The next day, I checked the account there was $4.99 added to the account. When I asked about it, the gentleman said "that was your monthly fee." I respond to him by telling him that the young lady told me there would be no other fees. He started reading off his paper what he had been practicing to read as long as he had been there that I agreed to pay. I was very upset that the young lady lied to me about these fees. False advertisement adding payments to people account is unacceptable.

I started with 1000 credit limit, they randomly lowered it to 700, it’s frustrating as I have worked hard on my credit and getting higher lines of credit. I’m seriously considering canceling my Avant card.

My card was stolen & used in June. I've placed numerous calls to follow up as the charges are still on my account. Customer service told me no report was made, put me through to a supervisor who tells me Customer service can help & puts my call back to them, 10 mins on hold & the call is dropped. Call back to find it has been reported but they have to connect me with the fraud department. I get through & no report! I give in and say I'd like to make a report, "Can I have your card no.?" No, because it was stolen! Put on hold & the call sounds as if it's being answered in someone's house. They can't help me if I don't have the card no. Seriously, I could scream. Been going on for a month. Reported them to the BBB. Stay away from this company; my goldfish could run a company better.