Answers,
first.
Ten questions we get every day, answered without marketing gloss. If yours isn't here, the desk replies within one business hour.
Rates & Terms
Will checking my rate affect my credit score?+
No. Rate checks use a soft credit inquiry that has zero impact on your credit score. A hard pull only occurs if you accept a specific offer and move to closing.
What are your rates and terms?+
Fixed APRs range from 5.82% to 35.99% depending on credit profile, product, and term. Personal loans run 12–72 months; mortgages 15/20/30-year fixed.
Are there any hidden fees?+
None. No origination fees, no application fees, no prepayment penalties, no servicing charges. Every basis point is disclosed at issuance.
Can I pay off my loan early?+
Yes, at any time and in any amount. There is never a prepayment penalty on any Avant Finance instrument.
Speed & Process
How fast is a funding decision?+
The underwriting engine returns a decision in a median of 90 seconds. Funds typically deploy via ACH within one business day of acceptance.
What documents do I need to apply?+
A government-issued ID, proof of income, and proof of address are sufficient for most personal products.
Eligibility
What credit score do I need?+
Minimum FICO of 620 for most products. Applicants above 720 unlock our lowest fixed rates and highest approved limits.
Which states do you operate in?+
All fifty states plus DC. Product availability varies by state — the application flow shows only the instruments licensed in your jurisdiction.
Trust & Data
How do you protect my personal data?+
Bank-grade AES-256 encryption at rest, TLS 1.3 in transit, SOC 2 Type II controls, and quarterly third-party penetration testing.
How do I contact support?+
The desk answers on support@avantfinance.com within one business hour, Monday through Friday, 06:00–22:00 ET.
Route it to the desk.
A human underwriter responds within one business hour. No chatbot gauntlet.