This page provides detailed information about Avant Personal Loans for Bad Credit. Our editorial team has researched their current offerings, eligibility criteria, and borrower experiences to give you the most accurate and up-to-date information for 2026.
Key Takeaway — Avant accepts credit scores as low as 580 — making it one of the most accessible personal loan options for borrowers rebuilding credit. Check your personalized rate with a soft credit pull that won't affect your score.
Avant Quick Facts
| Feature | Details |
|---|---|
| Loan Range | $2,000 – $35,000 |
| APR Range | 9.95% – 35.99% |
| Loan Terms | 24 – 60 months |
| Min Credit Score | 580 |
| Min Monthly Income | $1,200 net |
| Administration Fee | Up to 9.99% |
| Prepayment Penalty | None |
| Funding Speed | Next business day |
Pros and Cons
✓ Key Advantages
- Accessible for fair and bad credit (580+)
- Next business day funding
- Soft pull prequalification
- No prepayment penalty
- Low income threshold ($14,400/year)
- Reports to all 3 credit bureaus
✗ Drawbacks
- Administration fee up to 9.99%
- APR ceiling of 35.99%
- Not available in 8 states
- No co-signer option
- Below-average J.D. Power score
- Max loan $35,000
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