Current Avant Loan Rates (2026)
Avant offers fixed-rate personal loans. Your APR is set at approval and remains the same for the life of the loan — no variable rate surprises.
| Feature | Avant Rate / Terms | Notes |
|---|---|---|
| APR Range | 9.95% – 35.99% | Fixed rate; depends on credit & income |
| Loan Amounts | $2,000 – $35,000 | Minimum varies by state |
| Repayment Terms | 24 – 60 months | 2 to 5 years |
| Administration Fee | Up to 9.99% | Deducted from proceeds before funding |
| Late Fee | Up to $25 | Grace period may apply |
| Dishonored Payment | $15 | If payment bounces |
| Prepayment Penalty | $0 | Pay off early anytime |
| Autopay Discount | Not offered | Unlike some competitors |
| Rate Type | Fixed | Same rate for life of loan |
APR by Credit Score — What to Expect
Avant doesn't publicly disclose exact rate tiers, but based on borrower data and industry benchmarks, here's a general estimate:
Good Credit (670+)
~9.95–18%
APR estimate
Best rates, lower fees, full loan range available
Fair Credit (580–669)
~18–30%
APR estimate
Higher rates; still significantly cheaper than payday loans
Poor Credit (550–579)
~28–35.99%
APR estimate
Highest APR tier; may be declined below 550
How Avant Calculates Your Rate
Several factors determine the APR Avant offers you:
📊 Credit Score & History
Your FICO score is the primary factor. Payment history, credit utilization, length of credit history, and derogatory marks all affect your offer.
💼 Income & Debt-to-Income
Higher monthly net income relative to your existing debt obligations generally means a better rate. Avant requires minimum $1,200/month net.
📅 Loan Term
Shorter loan terms (24 months) often come with lower APRs but higher monthly payments. Longer terms spread payments but cost more overall.
💵 Loan Amount
Your requested loan amount may affect pricing. Avant's AI engine (CreditOS) evaluates risk based on the combination of all factors.
Avant vs. Competitors: Rate Comparison
| Lender | APR Range | Origination Fee | Min Credit Score | Max Loan |
|---|---|---|---|---|
| Avant | 9.95–35.99% | Up to 9.99% | 580 | $35,000 |
| Upgrade | 9.99–35.99% | 1.85–9.99% | 600 | $50,000 |
| OneMain Financial | 18.00–35.99% | $25–$500 or 1–10% | None stated | $20,000 |
| Upstart | 7.80–35.99% | 0–12% | 300 | $50,000 |
| LendingClub | 8.98–35.99% | 2–8% | 600 | $40,000 |