Avant

I was given great approval odds from Credit Sesame to apply with no impact on credit score. LIES. After my denial which I'm glad after reading reviews I get an email saying that my credit score decreased due to the credit inquiry and that I needed to contact Avant if I disagree. It was supposed to be no hard inquiry and it dropped my score by 5 points. Nope I'm not happy.

First they wanted my login and password for my checking account. I told them NO. So they would accept a bank statement instead. This was for verification of my income. Again I told them NO. So next, my SS statement on what my monthly check amount is. That is where it stands now. Then I read the reviews for them and I will NOT continue with the application. And hopefully they will stop calling me every day.

These people quickly instantly PRE-approved me with 1000 CL. Credit Sesame told me my odds were very good. I had 658 Fico, 659 TU score and 701 Exp score. They took 24 hours delay then canceled me. The only debt I have is my mortgage and vehicle loan, 9 credit cards with 100 percent paid off status and never late. I will NEVER apply again through Credit Sesame again, my credit has gone down 5 points with a inquiry that will stay for 2 years now because of misleading info. We all know Avant partners with Credit Sesame and they probably get a kickback for recommendations. I thought Credit Sesame was here to help but was wrong the whole time.

Almost every purchase I go to make is declined and then I receive a notice of potential fraud. This is extremely annoying. I will be paying off this card and closing it out from there. Something else that is very frustrating is that they hold your payments for 5 days - no matter the amount. That's absurd!

Had great experience. Always very helpful and professional, me a chance when others were not willing. I always use online pay. Very easy and post to account fast. Would recommend to anyone I personally know. Thanks so very much.

I literally just spent a week attempting to get a loan from this company, yes a week, it's not the next day as they advertise. NOTE: They "first check your credit score" <=== and only move forward if they can work with it. They then asked me for the following: I sent them the bank statement, sent them the voided check, sent them the 2016 and 2017 tax documents DIRECTLY from my personal tax person, which clearly had everything there. AND every night I got the same call "we need the schedule C" pg 2, for both years" on my businesses. I explained there is no schedule C page 2 for both. They then repeated the same script every night that they needed the 2016 and 2017 tax transcripts, every night same thing they'd recite to me.

Never had any issues with them until my loan was PAID OFF. And you’d think that once a debt is paid they would be JUST AS efficient and EAGER about releasing your title as they are about snatching your monthly payments. Never missed a payment. Never late. Never hassled them. They claimed to have mailed my title. Never got it. They verified the address with me, correct. Then I submitted a request for it to be emailed, then to find out that the young lady put in wrong request. Drove an hour to DMV. Called in and requested that Avant fax it directly to DMV while I am standing here and the SUPERVISOR on the phone after 2 escalations tell me he has to do research on the account.

I took out a loan 2 years ago with Avant. In Sept of this year 2018 I tried to get a payoff quote from them. I wanted to send them one check. The woman on the phone that I spent an hour with said that I had a Sept payment due and that they would need that and then they could issue me my payoff. What? I told her I just want to send one check, why is that so difficult to understand? So she said she would have to send it to their back office. I got an email from the back office and guess what, the payoff was the same thing she said, a payment of 549 plus the payoff balance.

I applied for Avant several times (5 times to be exact) and was approved quite a few times ($4K, $7K, $6K twice and $3K), and paying off the loans less than a year each time. Do not have any bad marks on my credit and always pay my bills on time. I considered them my go to lender if I needed anything up until now. Now I can't even get anything from them. I think it sucks that you always paid them on time, never late, and fair credit and you still can't get anything from them.

This was the absolute worst experience I've ever had with a lender before in my life. They were even worse than One Main. I would have never applied if it weren't for Credit Karma saying that I had "excellent approval odds." That got my hopes up high, and then these knuckleheads told me that I was preapproved for $4,600. I was going to use to consolidate things a bit and perhaps pay for a downpayment to rent a larger property.

Avant is a high-interest loan provider. I have had a loan with them for 3 years. Perfect pay history and the account is being reported as paid as agreed. Creditors don't like to see high-interest accounts on your credit file and when they do they consider the consumer a high risk. Because I am not paying 2 or more extra monthly installment payments my Avant account is a factor that is having a negative effect on my credit score. Balance left owing is too high in relation to original loan amount is the reason factor. Stay away from high-interest loans.

I took out a loan with Avant in March 2015. Very simple and quick process, they automatically deposited $5000 into my checking account. My interest rate was a bit steep...19.2-percent and the monthly payment amount...$185.60. During this loan, lost my job, so they lowered my interest rate to 6-percent and reduced my payment to $92.80 for 6-months. Well, for whatever reason my August 2018 payment was for only $25 and my last payment, September 24, 2018 was for $185.60.

I applied for an Avant credit card to better my credit score. Applying was simple and I was granted $500. I used $104 off of the card and paid the total amount back. This was my first use of the card. My Avant online account continued to show that I owed another $51 dollars. The $104 dollars that I paid back was not posted back to the account.The online account continued to show that I had access to $396. It never showed that I made the payment. What Avant is doing to people is criminal. What Avant don't understand about me is that I am going to pay them what I owe and that's it. They are not going to screw me with their heartless, rotten schemes. I have cut up my card, and I am not paying them another dime, because I don't owe them another dime. I closed out my account. They can honor my request or do whatever they want to do. One thing is sure. They won't get any more money from me.

Just to stress, I do not have any animosity because I was declined. It's solely due to the incompetence of agents, lack of time you have to get documentation in & the process of getting a loan with this company that is a joke as you will soon read. Your experience might be different. I was looking around, for a loan and came across Avant. I applied and was pre-approved for $4700 at an absurd interest rate of 30%. But that is not important because of what the money was going to be utilized for. It didn't matter what the rate was. I accept the agreements I need to proceed and a hard inquiry is done.

One year ago, I paid off a loan with Avant in full, making all my payments on time. Having a daughter with significant medical expenses, I thought I would give them another try and take out a loan to cover these costs. For over a week, I received an email every day stating that more information was necessary to process my application. Every day, I would call in, and the representative would tell me that nothing else was in fact needed, and that I would receive a decision in 24 hours. After 10 days, I got an email stating that my application expired and I was subsequently denied. Waste of time and a credit hit.

Avant expressly prohibits customers from changing their address online. Customers are required to call in order to change their address. I have made two attempts to change my address with customer service, his telephone. Each time they have refused to change it. I escalated the second call to a supervisor who read the address back to me. This tells me it's in their computer but still refuse to use it as my address. They want to know if I am buying or renting, is this a long-term or short-term location, among other questions. This information is none of their business, is not a condition of my loan to provide this detail, and the post office doesn't care. Since I refuse to give them personal details, that I feel they do not need to know, they refuse to change the address on my account.

If it were possible to give a company negative stars, Avant would qualify for that review. In all of my years, I have never dealt with such incompetence. I have had a loan with Avant for over two years and have never missed a payment. When I received an unsolicited email asking if I would like to refinance my current loan to lower my payments, I completed the application. Keep in mind, I have been a current customer for the past two plus years and have my payment automatically deducted from my bank account each month. After completing the application and submitting the necessary paperwork, I have been told for six days straight that they are unable to verify my date of birth.

This company is a mess. I tried to complete application online and there was a dispute about my DOB. I sent in documentation and it was accepted so I kept waiting for more info. Days would go by and I would call and they would immediately ask for documentation of my DOB. So I would tell them that it was already on file and they would place me on hold. Then tell me that I would receive an answer in 24hrs and this kept going on and on for over a week. Oh and one time they hung up on me twice after putting me on hold.

I contacted Avant over a year ago for fraud. They showed up on my credit report and I have never applied to this company nor have I heard of them up until then. They emailed me a 6 page document which I have to fill out in detail along with all my personal information. I don't know who these people are but they sound like loan sharks. I'm forwarding everything to the local police department and my attorney. He can argue with them. My advice... STAY AWAY FROM THIS COMPANY.

I should have read the reviews before I wasted my time! It happen just like everyone said! After receiving the letter, spending time doing exactly what they said, minutes after being on hold for 15 minutes they sent an email stating I was denied! And now I have a new check on my credit report!! Don't try to get a loan, they stink!!

They the worst creditor ever faced, as part of application I was mentioned I am approved for certain loan amount and asked to submit documentation to support my application. Thereafter they simply denied my loan application and when asked for reason they told they will be sending in mail and I need to wait for 2-3 weeks. In mail they simply mentioned "unable to verify identity" and when I called (customer care people were so rude) them to understand the reason if I miss on any documentation they simply asked me to get in touch with TransUnion to know the reason. Upon calling TransUnion, they confirmed all information is correct on my report. Also during communication with AVANT they keep mentioning they do understand my frustration and keep asking me to apply again - instead of extending help. Never gonna refer them...

BEWARE OF THIS COMPANY AS THEY CHARGE ADDITIONAL INTEREST TO CUSTOMERS WHILE THEY TAKE THEIR TIME IN PROCESSING PAYMENTS for payoff's!!! I opened a personal loan with Avant in May of 2017 and had payments auto drafted from my account. I got a payoff quote from Avant's dashboard for payoff on May 11, 2018 which stated the payoff amount was $18,141.18. I sent Avant 2 checks overnight through the United States Post Office, one check for $18,057.00 and a second check for $84.18 which brings us to the total of $18,141.18 which was the payoff quote provided directly by Avant. I received a call from an Avant rep on 5/16/18 inquiring about the payment at which time I explained that the checks had been sent to payoff the loan. The rep stated that she would push the date of payoff out to 5/25/18, I did not request this push out.

I acquired a personal loan from Avant on November 3, 2014. The loan was for $3500 for 30 months and my interest rate was within their advertised rates between 9.95% and 35.99%. My payment amount was $245.96. I made this payment for several months until I was no longer able to work due to a disability so I requested my payment be lowered. My loan was redone and I was told it would be extended for 6 months with a payment of $175.00. On December 21, 2017, I was curious as to why I was still getting my payments deducted from my checking account so I contacted Avant and they emailed me a statement of my account. After 37 months I had only paid $40.81 toward my principal and $4591.32 was put toward interest.

My husband and I filled out for a loan to be pre-approved. There was info we still needed to be verified. My husband stop at the point where he needed paystubs. We felt the interest rate was high we did not finish the application. 2 days later I have 11,050.00 in my bank account. Shocked I called Avant. I was on the phone for an hour explaining I did not want this loan. I was told I needed to pay 450.00 processing fee to send the loan back. I can't believe I have to pay 450.00 for their mistake. This loan operation is a joke. I could barely understand the 4 people I had to talk to. I was told I needed to email the resolutions department to get answers. I was also told I would have to pay interest daily on this loan. I am forced to pay money to this company to take the money out of my account. No matter how desperate you are find another lender or you too will regret your decision.

I’m set up on a monthly payment plan with Avant - to make payment automatically. But you have the options to make your payment early so I do. I have been doing this day 1 of my loan with AVANT and so now they do double payment for the month of January!!! On no biggi. Just call and get this cleared up. RIGHT!!! WRONG!!!! They're like, "Sorry we can’t give the my payment back!!!" So long story short stay away if you can’t be straight with your customers!! The one who make your business!!! You should not be in business!!

I went Online to get help and a Loan to Help me after the Hurricanes. After receiving PRE-APPROVED Letter I went to my accountant and Paid to have last two years pulled and 3 months of bank statements. Then went to my mailbox to send documents and was denied before sending to them. Waste of my time.

Consolidation loans - The interest rate is Actually higher than the debt itself Plus hundreds of dollars in administrative fees. Wow! People actually get loans from you. This is abhorrent usery. I'm totally yelping this. I have a good credit score. I can't even begin to imagine how you ripoff people with serious debt.

I love this company. I applied for a loan I think in 2014 because I needed an operation. The representative who worked with me was very knowledgeable. He made me feel like family. Needless to say I received the funds in a prompt no hassle way. Thank you Avant for trusting me.

STAY AWAY FROM THIS COMPANY! I applied for a loan through Credit Karma after being told I was QUALIFIED for a $2000 loan. I filled in all the required information and hit send. Then the problems began. I was next asked to provide a standard list of documents, which I provided immediately. Then the phone calls started. Two to three a day asking to verify additional information on my account.

Whatever you do, please don't waste your precious time dealing with Avant Loan Company, a division of Web Bank. My nightmare began with Avant offering me a personal, unsecured loan of $10,800. It started easy enough, applying online, giving them information, etc. As the days went on, Avant wanted more and more information. I spent over $50.00 in faxes at Staples and the UPS Store. I had to send a 20 page bank statement twice because the first wasn't clear enough, according to an Avant Clerk. Each day for over a week, they requested more and more documentation. Documentation that was previously sent, they wanted it again. Phone calls daily explaining things that I already explained to another person.