Good News for Fair Credit Borrowers — Avant has some of the most accessible eligibility requirements among online lenders. A 580 credit score and just $1,200/month net income are all you need to get started.
Avant Basic Eligibility Requirements
| Requirement | Avant's Minimum | Notes |
|---|---|---|
| Credit Score | 580 FICO | Most approved: 600–700 |
| Monthly Net Income | $1,200/month | ~$14,400 annually |
| Age | 18+ | Varies by state |
| Citizenship | US Citizen or Permanent Resident | Valid SSN required |
| Bank Account | Active checking account | For ACH deposit |
| Employment | Not required (income required) | Self-employed accepted |
| States | Available in 42 states + DC | Not in HI, IA, ME, MA, NY, VT, WA, WV |
Documents You May Need
Identity Verification
- Government-issued photo ID (driver's license, passport)
- Social Security Number
- Date of birth
Income Verification
- Recent pay stubs (last 2–3)
- Bank statements (last 1–3 months)
- Tax returns (if self-employed)
Address Verification
- Utility bill or bank statement showing current address
- Lease agreement
Bank Info
- Routing number
- Account number
- Account must be in your name
States Where Avant Is Not Available
Avant is NOT available in these 8 states:
Hawaii (HI) • Iowa (IA) • Maine (ME) • Massachusetts (MA) • New York (NY) • Vermont (VT) • Washington (WA) • West Virginia (WV)
If you live in one of these states, see our FAQ for alternatives.
Hawaii (HI) • Iowa (IA) • Maine (ME) • Massachusetts (MA) • New York (NY) • Vermont (VT) • Washington (WA) • West Virginia (WV)
If you live in one of these states, see our FAQ for alternatives.
What Hurts Your Avant Application
✓ What Helps
- Credit score 620+
- Stable employment history
- Low debt-to-income ratio
- No recent bankruptcies
- Multiple income sources
- Long credit history
✗ What Hurts
- Recent late payments
- High credit utilization (80%+)
- Recent collections
- Multiple recent credit applications
- Income below $1,200/month net
- Credit score below 550
Ready to See If You Qualify?
Avant's prequalification takes 2 minutes and uses a soft credit pull — no credit score impact.
Check My Eligibility →