Good questions save money. Before you submit an avant lending request, it helps to know who sees your information, what a credit check does to your score, and what happens if an offer does not fit. This page collects the questions people ask us most, grouped by theme, with direct answers.
A quick note on what we are: we run a free personal loan request service. We are neither a lender nor part of Avant, LLC or WebBank. If you do not find your answer here, our contact details are at the bottom.
How Our Avant Lending Request Service Works
Our service takes one online request and shares it with a network of third-party lenders and lending partners, who may respond with personal loan offers that you can accept or decline.
What exactly does your service do?
We provide a single online form for requesting a personal loan between $500 and $5,000. After you submit it, we share your request with lenders and lending partners in our network. Lenders that want to work with you may present personal loan offers with their own APR, term and fees. You review those offers and decide whether to continue with any lender.
Are you a lender?
No. We never approve, price or fund a loan ourselves. Every personal loan offer you see comes from a third-party lender, and that lender handles approval, the loan agreement, funding and repayment. Our role ends once your request reaches the network, although we are happy to help you figure out who to contact.
How long does the request form take?
Most people finish an avant lending request in about five to ten minutes, and people who search avant apply for loan are often surprised how short it is. Having a few details ready speeds it up: your monthly income, your employer or income source, your housing payment, and your checking account information. Lenders may ask for documents such as a pay stub or bank statement later in their own process.
What happens right after I submit?
Your information goes to lenders in the network, and some may respond within minutes while others take longer. You may see offers on screen, by email, or both. If you choose a personal loan offer, you move to that lender's site to finish its application, verify your identity and review the final agreement. Our step-by-step guide to the request process walks through each stage.
Costs and Fees on an Avant Lending Request
Submitting a request through our form costs nothing. Lenders set their own charges on any personal loan they fund, including interest and sometimes an origination fee, so the offer itself is where costs appear.
Is your service really free?
Yes. There is no fee to submit a request, no charge to view offers, and no obligation to accept one. If a website or caller claiming to represent us asks you to pay before receiving a loan, stop and contact us. That request did not come from us, and it is a common warning sign of fraud.
How do you make money if the form is free?
We may be paid by lenders and lending partners in our network, for example when they receive a request or when a loan is funded. That compensation does not add a fee to your personal loan. Because payment can influence which offers appear, compare every offer on its own APR and terms rather than on its position.
What fees might a lender charge?
Personal loan lenders set their own fees. The most common is an origination fee, often 1% to 10% of the loan amount, though many lenders charge none. Others include late fees and returned payment fees. The APR in your offer includes required fees like origination, which is why it is the best single number for comparing avant online loans side by side.
What APR should I expect?
Lenders in networks like ours typically land between about 5.99% and 35.99% APR, though a few go higher where a state permits it, mostly for lower credit scores. Your rate depends on your credit, income, debts and state. Our page on how personal loan rates are set explains the factors and shows what different APRs cost.
Credit Checks and Your Credit Score
Many personal loan lenders in our network start with a soft inquiry that does not affect your score. A hard inquiry may follow only if you accept an offer and the lender completes its final review.
Will submitting a request hurt my credit score?
Submitting the form usually leads to soft inquiries, which do not affect credit scores and are visible only to you on your credit report. If you accept a personal loan offer, the lender may run a hard inquiry before final approval. A single hard inquiry typically lowers a score by a few points for a short time and drops off reports after two years.
What is the difference between a soft and a hard inquiry?
A soft inquiry lets a lender preview your credit to estimate an offer, and it does not change your score. A hard inquiry happens when you formally apply for credit, and other lenders can see it. Several hard inquiries in a short period can signal risk, so it pays to compare personal loan offers before you accept one.
Can I submit a request with fair or poor credit?
Yes. Some personal loan lenders in our network work with borrowers across a wide range of credit scores, from poor to excellent on the FICO scale of 300 to 850. Lower scores usually mean fewer offers and higher APRs, and approval is never certain. Steady income and a lower debt load can help an avant lending request with less-than-perfect credit.
Does a personal loan help or hurt my credit over time?
It can do either. On-time payments build positive history, and paying down card balances, the goal behind many avant consolidation loan searches, can lower your credit utilization. Missed payments do real damage, and they can stay on your report for years. Borrow only an amount whose monthly payment you can make every month, even in a tight month.
Privacy and How Your Information Is Shared
Your request information is shared with lenders and lending partners in our network so they can evaluate it, and our privacy policy lists what we collect and the choices you have.
Who sees the information I submit?
Lenders and lending partners in our network see the details they need to evaluate your avant lending request, such as income, contact information and the amount you want. Service providers that help us run the form may also process it under contract. Our privacy policy explains what we collect, why, and the choices you have about sharing.
Why do lenders contact me after I submit?
Lenders that may want to offer you a personal loan reach out by email, text or phone to present an offer or ask for missing details. That contact is a normal part of how a request network operates. If you prefer fewer calls, respond to the lenders you are interested in and ask the others to remove you from their lists.
How do I stop marketing messages?
Use the unsubscribe link in any email, reply STOP to text messages, and ask callers to place you on their do-not-call list. To limit messages from us, email [email protected] with the address or number you used on your avant loan application. Lenders that already received your request manage their own lists, so contact them directly too.
Personal Loan Offers, Approval and Declines
The number of offers you see depends on lenders, not on us. Some avant lending requests receive several offers, some one, and some none, and you can decline any offer without penalty.
How many offers will I get?
There is no fixed number for any avant lending request. Personal loan lenders look at credit history, income, existing debts, the amount requested and state lending rules, and each lender has its own criteria. A borrower with steady income and good credit may see several offers, while someone with recent late payments may see one or none. We cannot promise any particular result.
Am I obligated to accept an offer?
No. You can review every personal loan offer and walk away from all of them at no cost. Read the APR, term, monthly payment, origination fee and total of payments first. Accepting an offer is a decision you make with that specific lender after reading its agreement, and nothing is final until you sign it.
Why did I receive no offers?
Common reasons include a recent missed payment, a high debt-to-income ratio, income that is hard to verify, or a state where few lenders in the network operate. Small personal loans also draw fewer lenders. Paying down balances, correcting credit report errors and waiting a few months before your next avant lending request can improve your chances.
How should I compare two offers?
Compare APR first, since it combines interest and required fees into one yearly figure. Then compare the total of payments, the monthly payment, the term and how much money actually reaches your account after fees. A lower payment over a longer term often costs more overall, so check the total before choosing the cheaper-looking personal loan.
Funding Timing and Repayment
After approval and a signed agreement, many lenders deposit funds as soon as the next business day, and repayment usually runs in fixed monthly installments over 3 to 36 months.
How fast will I receive the money?
For an avant cash loan request tied to an urgent bill, timing depends on the lender and your bank. Many lenders deposit funds as soon as the next business day after approval and a signed agreement, while some take a few business days. Weekends, holidays, identity checks and requests for documents can add time, so send your avant lending request early if your bill has a firm due date.
How does repayment work?
Most personal loans in this range are installment loans with a fixed monthly payment. For example, $2,000 borrowed for 12 months at 24.99% APR with no origination fee comes to about $190.08 per month, $2,280.94 total repaid and $280.94 interest, as an estimate. Your lender sets the actual schedule, due date and payment methods.
Should I set up autopay?
Autopay makes it harder to miss a due date, and some personal loan lenders reduce the APR slightly when you enroll. The tradeoff is that a payment can overdraw your account if your balance runs low. Schedule the draft for a day or two after your paycheck lands, and keep a small buffer in checking.
What if I cannot make a payment?
Call your personal loan lender before the due date, not after. Many lenders can move a due date, arrange a short hardship plan or explain your options. Missing a payment usually triggers a late fee, and a payment 30 or more days late can be reported to credit bureaus. We cannot change lender terms, but your lender can.
Can I pay off my loan early?
Many lenders allow early payoff without a prepayment penalty, which lets you save interest. Check your agreement for the exact terms, ask for a payoff quote showing the amount due on a specific date, and confirm that extra payments go toward principal. Paying early on a personal loan is often one of the simplest ways to cut its cost.
Eligibility Basics for an Avant Lending Request
Lenders in our network commonly ask that you be at least 18 (19 in Alabama and Nebraska), a U.S. citizen or permanent resident with a Social Security number, steady income and a checking account.
What do I need to submit a request?
Typical requirements include being 18 or older (19 in Alabama and Nebraska), U.S. citizenship or permanent residency, a valid Social Security number, steady income, a checking account in your name, and a working email and phone number. Meeting these basics makes you eligible to submit an avant lending request, not approved. Our eligibility requirements page covers each one.
What kinds of income count?
Lenders decide which income they accept, but many consider wages, self-employment income, retirement income, disability benefits and other regular deposits. What matters most is that the income is steady and verifiable, usually through pay stubs, bank statements or tax documents. List your income accurately, since lenders may check it before funding a personal loan.
Safety, Scams and Contacting Us
Legitimate lenders never demand upfront fees, gift cards or wire transfers. If anything feels wrong, stop, verify the lender through public databases, and contact us directly.
How can I tell if a loan offer is a scam?
Warning signs include a request for money before a personal loan is funded, payment by gift card or crypto, pressure to sign immediately, a promise of approval before any review, and a lender name that does not match the agreement. Check any lender in the CFPB complaint database and NMLS Consumer Access. People who read avant lending reviews online should treat these checks as more reliable than star ratings.
Are you affiliated with Avant, LLC?
No. Our request service is independent: it is not Avant, LLC or WebBank and has no affiliation with or endorsement from either company. Some people reach us while researching avant loans reviews or that company's products. For questions about an Avant, LLC account, contact that company directly; we cannot access its accounts or records.
How do I contact you?
Email [email protected] or call (888) 724-9102. Our mailing address is 9332 Cedar Lane, Suite 868, Atlanta, GA 30303. Include the email you used on your avant lending request so we can find it quickly. For questions about a funded personal loan, such as a balance or a due date, contact your lender, since it holds the account.
How do I report a problem with a lender?
Start with the lender's customer service and keep notes of dates and names. If that does not resolve the issue, file a complaint with the Consumer Financial Protection Bureau or your state financial regulator. Please also tell us at [email protected], because feedback about personal loan lenders in our network helps us protect future borrowers.
Still Have an Avant Lending Question?
Most remaining questions are answered fastest by email, and our contact page lists every way to reach us, including our phone number and our mailing address in Atlanta.
Ready to move ahead? Decide the smallest amount that covers your need, test a monthly payment against your budget, and gather a recent pay stub. A personal loan should solve a specific problem, and the right offer is one you fully understand before you sign.