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Avant Credit Card Review

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Reviews 26

This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

Michael Graw
Michael Graw
May. 03, 20214 min read

Avant summary

Avant is an online financial services provider founded in 2012. The company provides access to personal loans and a credit card designed to help individuals with little to no credit history build their credit. There are no hidden fees, no penalty APR and no security deposit required. There is an annual fee of $59, but the Avant Credit Card allows you to build your credit score by making your payments on time.

Pros

  • No security deposit required
  • Available to individuals with little credit history
  • Reports to all three major credit bureaus

Cons

  • Comes with an annual fee
  • No rewards program

Avant at a Glance

Fees$59 annual fee
RewardsN/A
Minimum Credit ScoreNone
APR24.99% (variable)
Welcome BonusN/A
Card TypeMastercard
Suitable ForBuilding credit

Avant Avant Apply Now

Overview

The Avant credit card is designed to help individuals with poor credit or little credit history build up their credit score. There is no security deposit required, and you don’t need a cosigner to apply for the card.

The card offers a credit limit from $300-$500 to help you more easily pay off your balance each month. In addition, Avant reports your on-time payments to the three major credit bureaus so that your credit can rise over time. 

Suitable for?

The main reason to use the Avant credit card is to build up your credit. If you have little or no credit history or damaged credit, you can use the Avant credit card to establish a history of on-time payments. It can be particularly helpful for college students or other individuals who are building their credit for the first time.

The Avant credit card also stands out for how easy it is to manage. You can make payments and review your transactions 24/7 from an online dashboard or the Avant mobile app. There are no hidden fees, and you’re not responsible for unauthorized charges that result from fraud. If you travel, the Avant credit card comes with zero foreign transaction fees.

Interest Rates and Fees

The Avant credit card comes with an annual fee of $59. There are no foreign transaction fees or any other hidden fees. If you are late making a payment, Avant can charge a late fee of up to $59. The credit card comes with an interest rate of 24.99% (variable).

Annual Fee
Foreign Transaction Fee
Late Fee
APR
$59
$0
Up to $39
24.99% (variable)

Rewards & Cashback

The Avant credit card doesn’t offer a rewards program or introductory offer at this time. 

The Application Process

You can apply for the Avant credit card online. 

To get started, you’ll need to enter some basic personal information, including your name, address, email, and social security number. You’ll also have to consent to a soft credit check. If you qualify, Avant will offer you an annual fee and APR. Once you accept the offered terms, Avant will mail you your card within 7-10 days.

Help & Support

You can contact Avant’s customer support team by phone or email from 7am-10pm (CT) Monday to Friday or 7am-8pm Saturday and Sunday. Avant also has a detailed FAQs page where you can find answers to common questions about the credit card.

Phone call hours: 7am-10pm (CT) Monday-Friday; 7am-8pm Saturday and Sunday.

Security

Avant uses bank-level SSL (Secure Socket Layer) encryption to secure your credit card application. The Avant credit card comes with an EMV chip for transaction security.

You’re not responsible for unauthorized transactions resulting from fraud and you have access to identity monitoring and a fraud resolution team.

FAQ

Does Avant offer autopay?

Yes, you can set up autopay for your Avant credit card to automatically pay your minimum due or your total statement balance.

Can I request a credit increase?

Avant offers credit lines of up to $3,000. You can request a credit increase through your Avant dashboard after 6 months of use.

What happens if I lose my Avant credit card?

You can call Avant to deactivate your card if it is lost or stolen. You are not responsible for fraudulent charges on your card.

Conclusion

The Avant credit card can help individuals with little or no credit history build up their credit. The card doesn’t require a cosigner or security deposit. You can get a credit line between $300 to $500 and easily manage your card from the Avant web dashboard or mobile app.

Avant Avant Apply Now

Methodology

This review is based on the Avant website, online application, and terms sheet for the Avant credit card.

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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  • author
    MR Virani
    Feb 09, 2016
    Great Rates, hassle free service

    Applied Friday, got funds on Monday. Easy process. I would highly recommend them

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  • author
    Ted
    Feb 03, 2016
    quick, fast, convenient

    It was quick, fast, and convenient! thank you.

    ...

  • author
    Nelson Bumagat
    Jan 25, 2016
    Great experience!

    I had a great experience with Avant..They are precise, quick, and customer like me is well-informed to what I need to know. Thanks Avant!

    ...

  • author
    priya
    Jan 16, 2016
    Great service

    Very clearly explained and fast service , excellent

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  • author
    Nancy
    Jan 14, 2016
    A great and easy experience

    Honestly never had an easier loan application and approval process in my life. Thank you. Definitely recommend:)

    ...

  • author
    Sean
    Jan 14, 2016
    The way getting loans should be done

    fast, easy, no complications money deposited the next day.. perfect

    ...

  • author
    Anthony
    Jan 05, 2016
    A+++

    Fast and easy to use system. Strongly recommend to everyone. Great support staff

    ...

  • author
    Paul Cummings
    Dec 29, 2015
    Amazing experience!

    The process was simple, they were totally helpful, the terms, interest and monthly payment are totally doable. This is a great option particularly if you need money fast, without hassles. Where the banks wouldn't touch me because of my monthly income, AvantCredit came through within an hour of applying. Now my financial world has changed totally as a result. Thank you! You guys and girls are amazing!!!!!

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  • author
    Jo
    Dec 19, 2015
    Easy and fast!

    My experienced with company was great! They have an excellent customer service. They really helped me and walked through the what documents what I needed during my application. And when everything was completed and confirmed, they send the money right away. The $$$ arrived within 24 hours. Keep up the good work!!! 😄👌

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  • author
    Nad
    Dec 16, 2015
    Great company

    I like to share facts that I experienced with this company. Easy, fast, and great customer services. Only one time I called with some questions, and the answer was so clear what to do. steps were so easy . Then I got a call to confirm if I got the money the next day. I will gladly recommend this company to others. thanks for using easy features, knowledgeable, very friendly staff Nader

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  • author
    Harry
    Dec 16, 2015
    Great company - very professional

    Great company. Process was quick and easy. I was very surprised and pleased. I would highly recommend it.

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  • author
    Sherie
    Dec 13, 2015
    Easy process

    Excellent service no pain, all I had to do was provide proper documentation and received my loan the following day.

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  • author
    Robert Ouellette
    Dec 09, 2015
    Avant credit

    Very great to deal with very patient in collecting and trying to help me get all the proper information in order, like that they call back and email to follow up. Highly recommend

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  • author
    carol h.
    Dec 05, 2015
    a positive experience!

    All the people i spoke with were pleasant and very easy to talk to.they even walked me through how to send the required information as i am not very experienced with computers.the response time for approval was very fast and the money was in my bank account in three days.i felt like a valued customer!

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  • author
    Yasmin
    Dec 04, 2015
    Avant credit is an amazing loan provider.

    This company is great. The process for a loan is simple and is really helping me rebuild my credit. I received the money quickly, efficiently and conveniently. Thank you Avant credit!!

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  • author
    Lorrie Warren
    Dec 04, 2015
    Lorrie

    Great service!!! I am a happy client.

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  • author
    Kevin
    Dec 02, 2015
    Fast and convenient

    The process was very quick and didn't have me running around.

    ...

  • author
    lovealways
    Dec 01, 2015
    Hotmail

    Application was easy to fill out. Customer service was great I will definite refer friends and family.

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  • author
    Bee Vang
    Nov 25, 2015
    Great!

    Excptional service. Made the process easy and worry free. Completed the process in half an hour. Got funded the next morning. I would reccomend to all my friends and family!

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  • author
    Scott
    Nov 16, 2015
    Very easy Process

    Have used other online loan companies, but Advant was the easiest and with least hassle, all the requirements were done online, did not have to talk to anyone on the phone. Received my loan in my bank the next day, would recommend it on service alone, very pleased.

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  • author
    Marc Buschemeyer
    Nov 11, 2015
    Fast Loan

    I was very impressed with how fast everything came together. Just a couple of simple question and that was it. Good company and I would recommend to anyone.

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  • author
    Catherine
    Nov 10, 2015
    Excellent Service

    The application process was simple and fast. I received a response quickly and the customer service was beyond reproach. I would highly recommend this company and look forward to a long relationship. Catherine

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  • author
    martin
    Nov 06, 2015
    fast and professional

    Straight forward. Got my loan the following business day. No hassle. Had to upload my bank statement and work pay stub overall great experience. Only reason i gave 4 stars is because you have to pay almost double what you loan back which is standard everywhere you go but it would be nice to get a lower interest rate.

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  • author
    Alex
    Nov 04, 2015
    Fantastic service!

    Quick and professional service. Technology is in place so that the loan is approved in minutes, where most others services require a lot of information and take a long time to finalize approval, AvantCredit can digitally retrieve all the necessary information for you. This feature is very convenient and separates them from all other services. Once you are approved, the deposit arrives in as little as 24 hours to at most a couple of days. I Would highly recommend AvantCredit!

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  • author
    M. L. Royce
    Nov 04, 2015
    Painless Process

    Very easy process, no hassle, easy form to fill out and received the loan in a very timely fashion.

    ...

  • author
    Terry
    Sep 18, 2015
    its was a great experiance with avant

    this was a hassle free application and in no time had the answer from avant. best experiance ever n would recomend this loan place to everybody. i will definatly be using them again

    ...

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