Avant Reviews

In July of this year, 2022 I was approved for $1500.00. In the 4 months of having the card, it was never maxed out, always within the 30% and ALWAYS paid on time or before and more than the minimum amount. This past week, my limit was decreased to $500.00 without notification AND making me go more than 50% on my card usage possibly causing a ding to my credit score. I called and no one WOULD give an answer, nor would they make a supervisor available. I will close out the card... THIS IS BAD for Consumers trying to build credit.

I've had my credit card for a couple years. I originally had a reasonable amount of credit. I never paid late. I always paid more than the amount due. I recently paid it down to just under $100 to improve my credit score because I'm trying to purchase a home and they dropped my credit all the way down to 300 which is now going to damage my credit. Further drop my available credit as well as make my score go down. I can't think why they would do this. I would that you would be rewarded for your score going up and on time payments guess not. Will be closing my account with this company which will also be negative for me.

I was approved with a $2,000 credit limit a little over two months ago. My balances were low and I paid above the minimum along with having autopay set up. Without warning or reason, they lowered my credit limit to $750. This is clearly a shady company who is doing more harm than anything as this will impact my credit score. I will be paying the card off and closing the account which again, will ding my credit and yet they walk away. Consumer Affairs, and Better Business Bureau- what action can y'all take to prevent this from happening to others? This is not right and if it was a small business, they would be sued.

I would give negative stars if I could. This card has TERRIBLE customer service. They sent an email offering help to those of us hit by Hurricane Ian, in the form of no late fees. I called to confirm this and ask to skip the payment for October, to which the agent said I could. I skip the payment and am immediately inundated with late payment emails. I call again and the first person I spoke to told me I hadn’t made my August payment and that was why I was getting the emails. I made two payments in July, one on the first for July and one on the 29th for August.

I called Avant to have my credit card account closed. The operator told me that I will still have to pay the annual fee even though I'm closing the account before the end of the statement period. I ask to speak to a supervisor and she placed me on hold only to tell me that they do not have a supervisor available and that I would have to call back another day. I closed the account immediately. They should not be charging an annual fee if I don't have anything on the card and closing it before the end of the statement period.

A credit card company that you can’t call? I have wasted so much time this last month trying to reach a human being. The only way you can talk to someone is if you’re reporting the card lost or stolen and then they pass the info on. The company without warning put charges back on my account from 7 months ago from fraudulent charges and now want a police report. The timeframe is ridiculous but if they would’ve at least called me or giving me a heads up but now my accounts negative now. I don’t know what’s gonna happen with payments now. It might’ve messed up my credit score. I don’t even know. And the fact that they’re the ones that noticed the charges in the first place and let me know and now suddenly they’re suspicious? Huge Mistake going with Avant.

I paid my Avant credit card balance in FULL on August 3, 2022. Avant accepted my payment on August 4,2022. Avant still has not promptly added the funds to my available credit still to this day. I have contacted Avant customer service and tells me that it can take days for a payment to post. Why are they holding payments they already accepted for? I called, I emailed and they keep stating it will be 7 to 10 to post. But you posted my payment on the account so why not just add the darn payment when it was accepted?.

Updated on 7/4/2022: It's the 4th of July and Avant has blocked my card yet again. My currently balance is 10% of the entire limit. I called and they are closed for the holiday. Ironic. If, I closed the account it reflects badly on my credit. There has to be a way for Avant to be held accountable for doing this. It makes absolutely no sense to continue to block a card that has only 10% of its limit used. There has to be a way to get help out of this card and hold Avant accountable. I would like to give them a 0 rating.

Avant blocked my account for fraud. I did not report it as lost or stolen. Avant put a block on my card. I have a medical emergency and need to use my card asap. I called Avant and they said because I didn't call them when my card was declined in the past that Avant took my rights away to use my own credit. My son is in need of medications. He is moaning and hurts. Avant will not unlock my card even through there has been no fraud. My son is now suffering and I will be taking him to emergency at the hospital and if anything happens to him I am suing Avant for not allowing me to use the available credit that I have through Avant. Your representatives are rude and hang up on me, laughed at me, berated me for asking to have them take off their block.

My identity was stolen, and I keep finding other attempts to steal my credit. Avant Credit Card was the latest. Once I called them, they said they would shut down the line of credit and refund the annual fee. But, they did not, and refuse to do so until I prove that it was fraud (though I have already proven my identity). With no charges and no losses, shut it down before the thieves have a chance to do damage. Do not support a card that supports ID Theft over Victims.

Do Not Borrow From these people! They intentionally seek to harm your credit so you are forced to borrow from only them. First by reporting late payments as 30 days weeks early. Attempt to hit your bank multiple times in one day even when you already paid. Take weeks to credit your payments. Call you unrelentingly 7 times a day even after you made payment arrangements. Offer payment assistance that basically puts your account into collections. Limited on type of payments they will take making it harder to pay them. Please stay clear. Thank you

Had perfect pay history with them for 1 year. They made 15.79 off me in one year on interest charges. Then I got a notice that I applied for another credit card from them 12/18/2021. Never did and they refused to explain how it happened. Cancelled and shredded my card and they are refunding me my prorated annual fee. Don't trust this company.

I got a loan from Avant financial. Mailed a payment to them at end of Sept. They stole my payment. Did not apply it to my account. I made another payment by phone. They did not apply it to my account. I'm going to take legal action.

Credit Karma recommended the Avant Card and I applied and was accepted last month. I have less than stellar credit and am trying to rebuild my credit so I jumped through all the hoops. I made two charges and within days paid off the amount in full. I "connected" my card to my bank account since I was instructed that the payment would be received and posted faster. On the 1st transaction it was (3 days total).

I opened a credit card with them about a year ago. All was fine and well. It was a 300 credit card. Used it, paid in full and then I call 4 days after my payment posted to my cc account and my bank account and was told that my available balance would be withheld for 9 days. I asked why and was told the system determined it. I said, "Ok can you release my available balance," was told no. Then I stated, "Ok so you can't tell my why the "system" placed my available funds on hold for 9 days, how to avoid it in the future and you cant override the system to release my funds." Rep argued with me and said they gave me a resolution. No that's not a resolution. Closed my card. Waste of time.

I normally don't write reviews but I WANT everyone to know how SHADY this company is. Please for the love of God DO NOT TAKE OUT A LOAN WITH AVANT. They charge you interest on a DAILY basis not monthly. Customer service NEVER gives you a direct answer and there is no way to elevate your concerns. It's a HORRIBLE feeling to need help and reach out to a company who says they'll help you and when you do business with them, they totally take advantage of you. At the end of the day, it's MY FAULT for not FULLY UNDERSTANDING how they calculate and apply your payments. I'm $3000 in on a $6000 loan and owe $6500. That's right. I've paid $3000 and owe them more than I borrowed. I'm in the process of contacting my state attorney general's office. I even tried to pay money towards the principal and they gave me the run around about that too. DO NOT TAKE OUT A LOAN WITH AVANT...

Just an FYI that I just realized Avant charges an interest fee for purchases made on card. My bill is paid in full every month and I feel this fee should not be applied. Will need to contact company and see if this can be waived.

This is worse than Fingerhut! They have changed my routing number and my password!! Rejected payments that they blamed on the bank~ This card will hurt your credit! No thank you! Customer service needs trained.

Interest rates are way too high. Not customer friendly if you have concerns about the monthly payments. Not a loan that you should consider unless you have no other choice.

For the whole entirety of my loan (3yrs) I only had to skip one payment. Which they told me the late fees would be waived. But the interest would still occur. Ok, I get that. Then covid-19 happened and work slowed way down. So I called to see what help they offered. They said we can defer 2 payments onto the end of the loan and waive the fees. No mention of any interest this time. My payoff was 802 but my last 2 payments only came to 600. I called to see why. They said all skipped and deferred payments accumulated a DAILY interest charge! So just everyone knows Avant charges interest daily and not monthly. I would not recommend them at all.

When I first signed up for Avant I was a little leery but they have proven to be very professional and SECURE. If I had any questions or issue It was handled efficiently. I'm definitely staying with AVANT for Life because they really protect and notify me if there's fraudulent activity suspected. I REALLY RECOMMEND AVANT TO ANYONE especially if you're trying to improve your credit status.

I have used Avant several times during short-term pinches. Loans issued through WebBank, which is a member of FDIC. Rates and Terms for Unsecured Loans: Loan amounts range from $2,000 to $35,000. APR ranges from 9.95% to 35.99%. Loan lengths range from 24 to 60 months. Administration fee up to 4.75% which are all reasonable for debt of this kind which in most cases is an immediate infusion of $ to one's bank account.

Hack Company, Scam to collect late fees and membership fees. Payment due on 1st, which was on weekend, went to make payment on Monday and they charged a 20 late fee, damage credit rating also. Canceled.

If you have a bankruptcy on your credit you are basically like a criminal. No one ever asked you why you did it. You submitted everything for nothing, you're are going to be denied even if you have the credit. Bankruptcy is not a crime, what if you lose a job!. Need it Karma matches you with them, but don't even try!

My advice to you is stay clear of this credit card at all costs. I recently opened an account. They advertised up to a $1500 credit line. I was approved for $300. I have other credit cards with limits as high as $30000. I went ahead with the deal anyway. When I got the card I called to change my payment date because the payment date was 3 days before I get paid every month. They told me that they don't do that. I told them to close the account. I had already received a statement and had paid it off. They refunded a portion of the fees which left a credit in the account.

I was assisted by customer service answering all my questions with great feedback and I’m able to feel the decision was a secure one. While having me feel secure they also kept me informed on every step of the process.

Applying for a loan takes time not only for the paperwork but also to weigh options on payment options. Most importantly is that no prepayment penalty so that when your finances pick up you can pay the loan down faster. Customer service was another important factor. Better to talk to an actual representative than deal with automated device. Avant is a company that seems to care and puts a little more effort to help customers. I like to borrow only short term except for long term loans like mortgages.

Avant- advertises all credit, even bad credit, can qualify for a loan. Not so! Tried it and was referred to Spot Loan from there referred to another site. I have tried many sites, even Credit Karma's suggestions. Avant- makes it seem as though you may qualify with them but, in reality, bad credit is bad credit. So raise your credit score is recommended and then perhaps Avant will take another look. No Bankruptcies for sure.

I applied for a personal loan from Avant when I was really struggling after I lost my husband. My world crashed, but Avant came to my rescue with high praise. The application process was easy and quick. They rushed to assist my needs and the payments were just right. They are the best in professional quality service and do their best to answer each/any questions you may ask easily. I enjoyed working with their company!

The company is okay. However, this company runs your credit too many times to get approval. Even after, pre-approval. I don’t recommend this company as customer service is not professional about the credit inquiries they run.

Customer service is extremely poor. I am currently on hold for nearly 1 hour. Agents do not help. They refuse to use a secure method of sending another card. My PO Box is legitimate. They refuse to mail it to my box or by certified mail. I was just hung up on. I have informed customer service agents that all mail boxes in my city are being robbed and I have had three different credit cards stolen from my mailbox. They do not want to deal with the importance of this issue and are therefore ensuring Identity Theft.

In 2019 I applied for a loan through Avant. There was no jumping through hoops. It was cut and dry. My credit wasn’t great but I was approved for a 7200 loan. Great. Paid it off early. Now I apply for a 2500 loan. I had to send in 3 tax year filings, voided check, and bank statement. We earn great money. We built our house cash, so no payments or rent. It’s off grid so no electric payment or internet. Virtually we have no payments except our cell phones. They denied me!!!! What? A third of the first loan request, make the same money, have no payments and they deny me? I guess it’s best because their interest rates are sky high. If you’re going for a loan try someone else because this company makes no sense.

This place you do not want to take a loan at there interest rates are extremely high. I was going to pay it off with a credit card and wouldn't let me how ridiculous. Will never use them again. I also was not impressed with there customer service.

RIPOFF-DO NOT SIGN UP FOR THIS COMPANY'S PROMOTIONS. Signed up because of $50 Amazon gift card offer on the radio. Never received and when i called and e-mailed multiple times they only ever accused me of an invalid offer or non entry of promo on sign up. I even called them before sign up to confirm the promo and wrote it down with the time and date of the offer on my Samsung Note.

This company obviously will do anything possible to take your money. I applied for a credit card and was approved, I then received an email with info on how to activate the card once received in the mail and how to setup an online account. Along with this email they attached a PDF file, stating it was the Terms and Agreement Policy. For me to read it and save for future reference. So, I immediately read the entire policy. The policy was a joke!!!! It clearly stats that they have the right to charge you higher interest whenever they want, they have the right to wait as long as they want to post to your account any payments you make. They have the right to change, delete any and all on the policy. Etc... Etc... It truly blew me away. It did stat that if you do not agree the Terms of the Policy, You have the right to Cancel your account within 30 days of receiving the card in the mail.

I will keep this short and sweet, do not use Avant- for a loan, you will never pay it off, it’s a revolving loan. I took a $2500, 3 year loan in 2016, have not missed a payment ever, always on time. Payments were $200 a month! I went on this week to see my remaining balance was $2000! Do that math on that, $200 a month for 48 months and it only knocked $500 off? What happened to the 3 year loan? Please learn from my mistakes and DO NOT be suckered into this money scam! Happy to say I sent a $2000 payment to get them off my credit!

***BUYER BEWARE. I applied for a consolidation loan and was told after one year if my payments were on time, my rate would be lowered. I had concerns but the person over the phone assured me it would be lowered. I also signed up for automatic loan repayments. I followed their instructions and my incredibly high interest rate was not lowered. The rate remains incredibly high. I called and was told they could lower it but my loan would be extended. To me this is illegal and usury. Do not get a loan with this company at all. Go with someone else. Avoid the headache. This company is based in Chicago and we all know the history of Chicago.

Do not do business with this company, the customer service & management is horrible. Please read the fine print. They charge a $118 admin fee for this loan and the interest is very high. The customer service is horrible. The agents are very smart mouth and sassy. Customers are not valued. I talked with a young man of Latin origin by the name of Brain, he was the supervisor, his attitude was not friendly & very sassy. I spoke with a young lady before asking for the supervisor, and she also very sassy. The supervisor would not give me the name or number to his boss. The Avant Twitter & Facebook page does not allow you to leave bad reviews. We are also unable to leave comments on their personal web page. The company does not communicate well and it is difficult to get the help you need.

What these clowns did is go into my account without permission and take money from my account. Now mind you I only use it for direct deposit of my work checks and since I've been off sick my balance was low, but I paid that's fools already from another account this putting me in the negative. I called and they got these non Americans on here who can barely read a page from a kids books assisting me. Long story short I had to get the bank involved and I'm in the process of filing a class action lawsuit. This isn't the first time the idiots did this. Do like Forest Gump and Run Forest Run!???

I WISH I COULD GIVE NO STARS!! RUN. DO NOT DO BUSINESS WITH THIS COMPANY!!!! I was told by a customer service agent that I had to make a payment by today to prevent my account from being charged off. I called to make the payment today then I was told I had to pay a higher amount than what I was told 4 days ago. I was then put on hold and offered a discount settlement amount after letting the agent know that I just wanted to pay the amount I was told was due 4 days ago and then pick up my normal monthly payments next month. Again I was put on hold.

Obtained initial loan a year prior, they emailed me about Re-Fi or adding additional funds. I opted for additional funds as I had a retainer due for Lawyer cost, the approval date they gave me wouldn't fit the date I needed to submit retainer so I canceled the application while on the phone with Avant. They pulled my normal payment from prior loan from the wrong account as I had canceled the loan with them again while I was still speaking with them on the phone. I asked to have the money refunded to the account and pulled from the correct account and they instructed me to cancel the payment with my Bank.

Apparently from what I could gather from the people I talked to over the phone that even though I paid the bill on time it wasn't counted on time until 5 to six days later. No other cards have I had this problem with! I only owe about 750 dollars thank God so I canceled my card and plan to make paying off this card a priority! What a bunch of creeps! They want money! And they will mess you up anyway they can! Stay away!

DO NOT USE THIS SHADY COMPANY!!! Took out a loan, was approved and process was OK. It was a three year loan. Was never late on one payment. Dec 2, 2019 was my last scheduled payment. I went onto the dashboard and it's showing the loan is not paid in full, but doesn't show any amount due. Just says N/A. So I call and speak to a rep, "BEN" was his name. I explained everything to him. He tells me that because I moved payments around on several occasions, THAT THEY ALLOW YOU TO DO, There were fees. I asked where does it say I have to pay fees. He put me on hold. Then came back and told me to go onto the contract and read section 3a, which I did on the phone with him and nowhere it said anything about fees. He put me on hold again, no stuttering and rambling. I asked to speak to a supervisor.

I applied for a loan with Avant, received a total of 6-8 calls from this company requesting documents, I provided all of them with the exception on one request, they requested on 3 different calls to convince me that I needed to give them my login and password to my personal banking/savings accounts. When I refused to release that data I was denied immediately for a loan. My credit is in order with my history and score and nothing is in delinquent and I was still denied. Not only did it take multiple phone calls but took several days to deny my loan request. Now I have a hard inquiry on my record (for 2 years) and a denial of funds for a loan. If I didn't feel comfortable with my credit that I would receive an approval I would not have applied. This is unfair and very misleading. I'm sure this is just another scam. This was a mistake to trust this company, very unhappy!!!

This is has by far been the worst lending experience. Every time you call customer service you get the same exact scripted conversations. I called to cancel my loan which they told me I had to call and cancel by 2:30 cst. Which it is not listed on the website. It’s November 11, and I still have no resolution which it started October 23. I sent all of the funds back but still being charged a $500 administration fee.

I applied for a personal loan with a 691 credit score. No derogatory accounts, had to send pay stubs numerous times and finally went through employment verification and I have been at my job 13 years and after about a week of all of this I was denied. The customer service was fairly nice but process aggravating. Don't fall for the 600 credit score nonsense, it's deceptive. I personal wouldn't waste my time applying for a loan from some bank that I cannot walk into again. They put you through more aggravation than a regular bank. I can't see how people who have credit issues can get approved from them, I believe some of the reviews that are giving are frivolous. Don't waste your time.

I could not believe how fast and easy it was to apply and receive my deposit! Went on the website and I could see all my info and payment dates, auto pay is great and I can change it anytime! 4 months in now and all is well, very transparent as of now, very happy!!

I was approved for a loan paid in time every month. I paid it off early thinking this was a good thing. Tried to apply maybe 6 or 7 months later denied.. Why? I paid in time then paid it off early so why wouldn't you give me another loan. I guess cause the company didn't make the extra it would have if I would have made monthly payments. Shame on you Avant..

This company is a scam!!! I would not recommend them to anyone EVER.... I paid my account four days before the due date and they went back into my account and charged me twice which I couldn’t understand. I will be reporting this Company to the Better Business Bureau. Please stay AWAYYYY.

Do not use! They are either scammers or incompetent. Gave them everything they asked for and after 3 days they said my application had expired because it had been 7 days. Have the emails to prove that is not true. Now I can't re-apply because my credit score is jacked because of the hard credit check. Thanks for nothing. Be warned.

I don't understand all of the bad reviews. I had a quick and easy loan process with no hiccups. Yes, the interest rate is high but is on par with most of these personal loan companies. The website and customer service is customer friendly and easy to deal with. I would highly recommend this company for a personal loan. Always read carefully the loan documents with any company before accepting. I have not had any issues with Avant and would use them again.

I applied for a loan through Avant a few years ago. Thankfully I was approved for 3000 that was more than enough and received my funds directly into my account. I have been reading some horrible reviews that doesn't reflect my experience. So I decided to write my own experience. The customer service were always polite when I called to make a payment. My payment was always on time and I honestly would rather get another loan through them Than any other place. I felt they were honest and I was able to make payments via phone instead of direct deduction from my account. I never felt they were screwing me over.

All I have to say is don’t miss a payment. I had some difficulties making a payment last year and I was offered the chance to change my last payment to July 2019 instead of June 2019. I made the last payment in July 2019 and still have a balance. Little did I know that the balance I have now is larger than my monthly payments. However, the rep stated that my last balance would not accrue any interest and that I could pay it off whenever I wanted. This is bull. This was not mentioned to me at any time during the conversation I had with the rep who recommended that I push back my last payment. Now, I still have a balance of over 500.00 when July was supposedly my last payment. Guess I should have read the reviews first. Now it will take 14 days for a rep to call and explain this to me. Of course...gotta get that lie in order first. Definitely will never recommend this company. NEVER!

They call a lot for the same thing. In a call I overheard someone complaining that their employees are not able to use the bathroom when necessary. They over charge us and they treat employees bad. I don't want business with a company that treat their employees like slaves.

Husband attempted to pay off balance of loan. Website wouldn't allow it (nearly at end of loan) and telephone staff were insisted on ONLY talking with me when he attempted to inform them of the website problem.

I had a good experience with Avant. The only glitch being communication. They would call me while at work leaving a message to call them. I would call them back and the automated message would refer me to my dashboard at the website to complete a task, but there were no tasks to complete. I sent an email giving them times when they could reach me but they continued to call while I was at work. Finally, I found a way around the automation by punching buttons and got my problem resolved. It would help if they would ask best times to call.

So the first part of working with Avant was great. They were easy to work with and I had my bills on auto pay. The problem was when I was at the part to pay it off. I paid whatever the home page of Avant told me to pay and some how I got stuck with a 14 cent bill after paying it off. So I logged in and paid that bill. Then 2 days later I got a 25 late fee. Mind you I paid this bill off 3 or so months before it was actually even due. I called them and was told give them 3 days to hear back, 2 weeks later still nothing so I called them back and was told they are still working on it but she would escalate it to the right dept and I would hear back in 3 days.

I requested to cancel my application this morning, just sick of the shenanigans.. I began to feel like they were toying around with me when I thought I had completed all of their tasks in order to proceed only to wait 3 business days for them to decide they need more information. Okay no problem done! Only to wait another 3 business days for them to request something else. I don't understand why all these expectations are not set upfront. Every contact to Customer Support was a joke - all of their responses are scripted and they literally have 1 template response for all of their email responses no matter the inquiry. Even when I requested to cancel my application this morning the rep attempted another scripted save that didn't even apply to me among other triggers like "all you need to do is sign this for final approval" aloof to the fact that I signed the document she was referencing the prior week.

Be aware. This company is a joke. They offered me 10000 loan at 14.5% after I was their client twice, one time for 2000 $ paid off before time and a second for 4700$ paid off before time and also I never been late on my payment. I have a good job, a good credit and own my house. After Avant gave me the amount I could borrow and the rate they ask me to upload my paycheck and my bank statement which I did and was waiting for the funds to be deposited in my bank account. Every day for almost a week I will be receiving phone calls about my paycheck verifying the same information over and over until yesterday when I receive an email just after a phone call that my application was denied. Why did you mislead me telling me I’m getting 10k at 14.5% and a week later you denied me? Be aware of this company. They are dishonest.

I got the card for vacation, when I went to use it, card was declined! Called them. First rep said, everything was OK. Try the card again. Tried again. Card was declined, call Avant Card back. Talk to another rep who said the card was deactivated for non-payment when I sent the payment 14 days earlier than due date, and was charged a late fee Of $25. I sent off the other payment the next month. Same thing so I had to pay them over the phone and pay them through my bill pay through my bank. They hold your payment to make it late so they can collect a late fee. This is a horrible company. Do not ever do business with them. I am going to close my account and never ever do business with them again.

Nowhere was I advised when I applied to this account (and was approved) that they only will ship your card to your physical address. I cannot receive mail to my physical address only to a P. O. Box. I got the runaround since April and was told that I would not be charged the annual fee unless the card was activated. Well, lo and behold guess what showed up on my credit account today? Yep the annual fee! Getting someone on the line who clearly understands you is absolutely impossible! Now my credit is going to be more jacked up than before because now it’s going to show a closed account that was truly never opened!!! Worst company ever!!! Worst customer service ever! Just don’t do it!!

I paid my payment on time and I have to wait 10 days for them to credit my account that bill. I would not recommend this card to anyone. You should not have to wait until your next payment is made to get credited for the payment you already made.

Recently I missed my DD payment to AVANTCard credit card as I was a few € short (I had 2540 not 2550 in the ac) and my bank KBC refused to honour the payment. Avant card fees amounted to some €60 for the missed payment but when I rang and explained - they very kindly agreed to cancel. This I honestly didn't expect so HATS off to AVANTCard for having the imagination and humanity to realise that anybody can make a mistake. MANY thanks.

I opened up a loan with this company back in 2015. On my contract it stated I had to make 47 payment and which I did. I made 48 payments. I call them to asked what was my balance. They give it to me after tell me to go online on my account and it will show me how many payments I have left and how much I have left to pay. I did that while I was on the phone with a customer service person just so I can verify that I had the right amount. At the verify am the payment amount I sent a lecture on it payment to them to pay it in full. Call them 4 days later just to verify to see how they receive my payment. At first I was getting no run around stating that they hadn't received it. I need it to get in touch with my bank to get a copy of the check and send them a copy of the check.

I applied for a loan and after providing all my information including bank information they kept asking me to verify my date of birth. After I entered it four times I called them and was told I needed to send a copy of social security card and driver's license. Told them to cancel my application because I wasn't sending that. I think it is a scam.

I am older and have dealt with many lending companies throughout the years. I can honestly say that AVANT is the WORST I have ever dealt with, and I would not recommend them to anyone, no matter how desperate, unless you are willing to be taken advantage of, and ripped off by extremely high loan interest rates. My credit score was over 700, and they want 35% interest. DO NOT DEAL WITH THIS COMPANY. THEY WILL LIE TO and CHEAT you!

I applied online for a personal loan and received an email from Avant. I called as the email stated to do. I had to give ALL of my information to the person I spoke to (even though the email said I was already approved for a $6,000 loan). I was then transferred to his supervisor (the person whose name was on the email I received). He asked the exact same questions as the person I had just spoken to.

I was at McDonald's and buying breakfast for my three daughters the total came to be 8$. The credit card has $19 in credit so I assumed that since you have the credit you can use it, well guess not. They declined the transaction cause I missed my due date even though I scheduled the online payment. Keep in mind I never missed a payment. I talked to Dentanio and he literally did not give a crap about what I had to say. All that he kept saying I will get your complaint to our escalation team. The emotional stress that I had to go through is priceless. Where in the world you can not use your credit if you have it on your credit card????

Unprofessional. 6 Calls within 2 days with different reps asking the same question. If you are looking at my account and contacting me, then you have my information in front of you. Frustrated, cancelled my application.

This morning I went through pre approval process and was approved for a 750 limit. It then asked me to verify info to get the card which then puts a hard inquiry on my credit. So I did and was having issues with the system. After many tries it says, “You’re not approved.” I then called to be transferred many times on. Rep even said, “Dont worry your card is secured.” So I am more relaxed. The next lady says, “You can't be approved at this time.” What a joke. Don't preapprove and take it away. Also my credit is over 700.

Applied for a personal loan after reviewing options on Lending Tree. Avant was very quick on reviewing my application and walking me through the process to provide them with all the required extra documentation. After being approved the loan was direct deposited into my bank the next day and I am very impressed with how quickly it was done. All in all, this process was so much easier than I thought it would be and I would recommend this to anyone that I know that needs a personal loan.

Attempted to get a loan with Avant Credit. Was turned down assuming for credit. When I applied they requested a copy of 2018 tax returns, then 2017 tax returns, then a copy of schedules from the very returns they had. Then 2016 tax returns, then a copy of a schedule from 2017 on my wife's business, which she has never owned but insisted my returns said she did. Each time I tried to explain all I got was "yes, and thank you for that". They also was charging a $380.00 origination fee. All this took over a week to accomplish.

I called Avant to make a payment to my fiance's credit card. I was told that because his name isn't on my checking account or Visa debit card, I can't make a payment over the phone, online or through the mail! Whoever heard of a company denying a payment?! He doesn't have a checking account so he pays his payments through my mine. I guess the only way he can pay it is to get a bank check or money order. I have looked online and read the bill that was sent and nowhere on there does it say they can't take money from someone else. I told the guy (who definitely did not speak English very well) to take the card and shove it up his **. If I could give a negative rating, I would. Would be nice to talk to someone who knows what they are doing and I could understand.

Was given many options. Avant stood out the most. Provided step by step with every aspect. The application overall cared about my time and safety on information. Got a response either through call or email.

I have attempted to resolve a Credit Card issue with your company for the past 4 months. I opened an AvantCard in 05/2018, and around 07/2018, Avant 'locked' my card account, stating the account was being handled by your "resolutions team". I was told by your phone support to call back in 30 days for resolution of the issue (you wouldn't tell me what the 'issue' was).

Went through Nerd Wallet and got matched to Avant. Made 3 offers. Applied and the calls started coming. Kept asking for more and more each time not telling you at first what they needed. Then even after I sent everything they wanted they would call every day asking me to "call their 800 number to complete the application process". You call and all you get is recordings tell you to go log into your account. Then you do that and it says everything is complete.

My experience with Avant was similar to others'. They ran a soft credit check, and offered me a very appealing rate, which turned out to be too good to be true, and lead me to believe that I was approved. Then came the requests for more information, a hard credit check on my report, a bait and switch on my rate, which made their loan unappealing. I ended up getting a loan with another company where the process was simple without the phone calls and requests for additional information.

Dealing with Avant was the most irritating experience I ever had to endure. Asking for a loan was like pulling teeth from a tempered tiger. The questions and information they were asking was like taking out a mortgage. Dealing with overseas people with horrible accents and can't understand what they are saying and understanding. And the percentage rate is out of this world.

I will begin by saying that my credit score is fair 605, 646. I was referred to Avant by Credit Karma, and decided to convert my debt into one monthly payment. Hoping that in doing so I could help improve my credit score. It said that applying would not affect my credit score. I applied, sending in all the pertinent information, signed and completed the process. Then began the barrage of phone calls and emails asking over and over again for information I had already provided. I resent everything, and still the phone calls and emails continued.

We got approved for an 8000 loan. We even got the Loan Agreement and promissory note. We uploaded all the documents they needed and they said they needed to call and verify employment. It took them two days, with us getting constant emails about our approval. Then all of a sudden it was denied. Credit score was 650. We emailed and asked why, but no response. Finally decided it wasn't worth it.

I am new to this company and already I wish I had not done this loan. I have a simple request and they do not understand it. As of now my payment is due on the 19th. I want to change the due date to about the 3rd of each month. Not to push my due date further away but to bring it back from 19 to the 3rd. I am trying to pay all my debts on or about the 1st when I get paid.

I received a personal loan from Avant in the amount of 9900.00. After 2 months into the loan, I unexpectedly loss my job after 10 yrs of employment! Avant did nothing to help me and sounded like they are all reading a script like robots! I want to pay my bills, but need help until I find a new FT job. I would NEVER use this company again.

I just want to go on record and say this is the worst loan company I have ever seen and they are constantly advertising for people to apply for a loan. I have twice and have learned my lesson the hard way and hope this review will help someone else. My credit rating has went from Fair to Poor applying with these people and how about I have a loan with Web Bank in great standing. My salary and credit history was more than adequate and still they said no. Please don't waste your time with AVANT. They are terrible and not worth your CREDIT SCORE going down.

I have made payments from my checking account and they will not credit my account for 10 days!!!! I paid $300 on the 10th of the month from my bank account and they still have not credited the $300. They show they got it but it does not reflect on my available balance. What is the point of paying if you can’t use the card? Idiots. I do not have that problem with any other card. I love Capital One!!!

I attempted to pay off the $75 balance on my credit card using the Avant website. The website would not allow a payment over $40, which makes no sense. I called and spoke with 2 agents who could not process a $75 payment. Credit cards charge interest by the day so Avant not accepting my payment means they will make more money off of me. This sounds very illegal.

The people answering the phone on the other end are just plain uneducated. They read off the computer screen with absolutely no idea what they are reading. It's a foreign call center, same old story. I tried to get a supervisor for 45 minutes, disconnected twice and then finally got one and she was as incompetent as the people she was supervising. Then beware. They hit my credit report with a hard inquiry even after they said they wouldn't and I had not even finished the application. Credit Karma should be ashamed of themselves for recommending this company! Run away from this company.

My credit score is low and I had no choice but to apply for a very high interest loan. The entire process was seamless. After reading so many bad reviews I think many people had a hard time proving their identity and also some applicants' application probably didn’t match the info on the documents they used as proof. If you upload all of the documents they request it happens fast. I applied on Friday, was approved an hour later and the cash was in my bank account at 7 am on Monday! That is fast!

Applied for a loan due to a prompt from Credit Karma stating it was a match with my credit criteria. I filled out the applications and was asked to upload Tax fillings and photo identification. It took me 2 days to collect the needed info and when I tried upload it showed my application was closed. I called the customer service number and was told that I denied based on the info I uploaded. When I asked what info they received the agent said “I’m so sorry“ that’s was his answer and his answer to every question I asked from that point forward leading to believe that this was a English as a second language agent or better off known as a overseas agent. I’m sick and tired of overseas companies collecting my information that I know they will use in the future to sell or solicit other products to me. DON'T WASTE YOUR TIME ON THIS COMPANY.

I have a good payment history with Avant. I recently applied for a loan at Avant to be denied right away after uploading my requested documents. I recently paid off a loan for $13,000. The loan was paid off a year early. I never was late. When I called to ask about the reason behind it, they couldn't tell me why! The customer representative said that they email me the denial but I never received the emailed. The reason why this is so upsetting is because they send you these false emails telling you that you're pre approved due to a good history with them. You upload all your information to be denied with no reason why!

Well on Dec 6 I was trying to pay my loan off for 945. After I talked to about 4 different reps that couldn't even find my account so finally talked to a supervisor that sounded like she was eating KFC extra crispy chicken while speaking with me then finally retrieve my account for me to pay it off and get Avant the hell out of my life after 3 yrs. So she tell me my loan of 945 was paid then find out 3 days later they took 845 and left with 101 balance that should've be already withdrawn but didn't. So if anyone ever have apply for a loan do not apply with these jerks.

I recently applied for a debt consolidation loan through Avant. I deal with finance companies on a daily basis with my job and this is by far the most difficult company I have ever dealt with. No one at this company talks to anyone else and you have to tell them over and over again everything they ask and then they keep asking for more and more documentation. Most companies have a calculator and can figure out your pay from your most recent paystub and looking at your year to date pay. Apparently Avant has not invested in calculators at their offices yet.

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.