Avant Credit Reviews

by Say Goodbye To This Business

I will be cancelling my card due to the ridiculous service I received. I submitted my payment two days before the due date, received an email the following day saying that my payment was confirmed and posted to my account…THEN 5 DAYS after the due date of my payment I received a different email saying that there was a problem with processing my payment and a $25 late fee was charged. If there was a problem why did I receive info saying it was confirmed and posted. In today’s technology world it doesn’t not take 5 days for a payment to go through or show there was a problem. I requested a waiver for the late payment and was denied! If I would have know there was a problem instead of being told it was good to go I would have handled it before it was late! It’s not my fault they told me it was fine when it wasn’t. If you won’t make it right now then I can believe you won’t help with any other issues that arise in the future. Very disappointing.

by Cassie Lott

I applied with his company in April 2021 with the same information I have now someone falsely submit an application in my name this month and because of that it was miscommunication by the company on their end and now they have not only locked my card but they don’t even have the correct personal information on my account I didn’t give them that personal information they take my money every month out of my bank account and now they’re wanting me or actually forcing me to go down and file a false police report against my will in order to wipe out that that I willingly created and that I pay on every month so now I have to get my lawyer in place to file paperwork and I’m having to submit other paperwork with the CFPB an FTC for wrongful business practice because I submit my payments on time never missed a payment but yet they won’t unlock my card and I was left stranded not even able to use my card but they just took my money out of my bank account and they still have my wrong personal information on my account never again will I do business with this company I suggest if anyone uses this company always make sure you have the correct personal information on your account because even if you use your own correct personal information to open the account they might change it on their own online

by Informationrevealer

I’ve had this card since February of 2021 with a $300 credit limit. I can use this card 3 times and be near the limit, so I requested a credit limit increase in October and was denied for reasons that did not even pertain to me. I called customer service about it and was told that there was a “glitch” in their system and the man I spoke to would resubmit. Never heard anything else about it. Requested a credit limit increase in December and got the same denial letter. Called customer service and got the same spill. The lady told me that she would “expedite” my request and someone would be in touch with me. That was several weeks ago. I have several other cards with 5k to 10k limits with no annual fee, so I can’t understand why anyone, including myself, would pay $39/year for such a low credit limit. I never keep a balance on the account, so when I make my December payment, I will be closing this acct. I can’t justify keeping it open for $300 and pay the company $39/year to have such a low credit limit. I will make it my mission to deter people from obtaining this card.

by Ralph Willis

This company should be a secured credit card provider. They offer the lowest credit amount possible and despite card usage (and paying it off several times each month) keeping a $0 balance—it still does not benefit you to have this card. You get no perks, points, and the interest rate is very high, the annual fee is also very high. They make it very difficult to cancel the card. They never respond to emails. Overall bad company.

It would be be better if customers who are trying to build credit could send in a higher value of money (say $2,000) so that if you spend $100 it does not shoot your utilization above 40%. If you are trying to build credit this card will set you back—big time.

They also never ever give credit increases no matter how excellent your payments are. Maybe it’s because they don’t really make money—I had this card over a year and have not paid even $.01 in interest. I make it a point to use it once to pay for parking, then pay off the card, and leave a $0 balance. Make sure to cancel BEFORE they slap that annual fee on you.

by LOYALSTUSER

If you do an inquiry this company automatically loans you the money and then tells you that you can’t get out of the contract. It’s 30% upfront. Their app gives you the option to change your payment date but if you do so they charge you more interest in between time. But they can’t tell you how much that is either. They will just tack it onto the end of the loan for you. They say that they will have somebody email you and they never do. They also hold a hard inquiry on your credit report the entire time of your loan with them and that reduces your credit score. It doesn’t matter what you call them about. They just tell you the same thing that’s on the website and try to get you off the phone. There are no resolutions to any issues with this company. I’m just hoping that when I pay them off there’s not any hidden surprises. I wish I had just filed a Chapter 13 rather than getting into business with this company. I’d have been better off.

by Avoss818

My card was taken or lost, there were fraudulent charges made on my card, issac and shelbi jack in’s on along with Andrew collier the head of fraud management team did not do nothing after 4 months, locked my card, asked me to pay the frauds charges because I didn’t file for a police report or call 911 when my card was lost? To top it off I have to pay a $29 annual fee. This company is ran by some uneducated incompetent individuals as I have named above. $400 its still $400 but a chump change if you look at it from my perspective because I had to deal with morons! None of them even returned one phone call, I’m planning on taking them to civil court to sue this company for playing with my reputation and credit. I am Dr. Not that, that means anything but when it comes to judgment AVANT is incompetent for your own sake stay away from them. I will sue the three individuals along with AVANT CREDIT CARD / branch of webbank. I’m not going to let this go, since it’s the principle of the matter that I’m dealing with. They didn’t treat me like a customer, never missed my yearly fee, I guess they’re mad that I don’t need to use my credit?

by Boxxhead11

Have a good credit good income initially got a very very very small credit line 8 months and requested an increase after paying account in full every single month early and having a good credit score but they turn down any effort to increase your credit line if you charge anything on it it maxes out your credit utilization because if you have a $300Credit limit and you charge your power bill for $228 it puts you at 75% usage and then they ding your credit score for that regardless of whether you paid in full and had no balance going forward into the next month.

The credit score system in this country is a complete and corrupt scam on the American people you could have a ton of credit and a low score and then they’ll tell you you don’t qualify based on your score or you could have a really high score with only a few accounts and then they tell you your credit is not deep enough even though your score is high. You can’t have it both ways…

by Sll207

My loan experience has been absolutely awful!!! I have had 3 loans with Avant with no problems at all. This last time, however, has been one thing after another. I applied on a Tuesday and it is now Saturday and still don’t have a decision. I have been through the verification process at least 6 times over multiple days. Each time the representative tells me that my application is complete and I should be getting an answer that day or the day after. So far all that has happened is that I keep getting email requests for another verification. Each time I call when I’m not disconnected, the representatives reviews my file which takes at least 30 minutes and asks a question that I have already answered with another representative and assures me that my file is complete and that I will be receiving an answer by email. I’m so frustrated with this process that I’m ready to cancel my application with them altogether.

My loan was finally denied after a week of going back and forth. I got a loan with another lender in 3 days without all the hassle.

I am going to pay off my existing loan (less than $400) and not use them again

by Spidermangeo

So let me start off by saying that I am a credit card user. Their application is very lacking. I enjoy their payment options and the payment reflects after 1 day, which is nice; much better than Credit One Bank which charges you an “express fee” for 1 business day payment (stupid). Getting back on track, their application aesthetic is not pleasing to the eye and could do with an overhaul. Their application doesn’t give you an option for notifications. Their credit card feels like it’s made out of paper and lacks tap to pat functionality, which is literally a life saver during COVID—19, true contactless.

I would recommend they update their credit card quality, and add additional features to their application. Make it pleasing to view your application. One thing I love about Chase and American Express. Once they make these updates I will give them a better star rating.

I justify my rating based upon the lack of a Tap to Pay card in a time of COVID as well as a lack of notifications on top of a lazy application in a time of new age technology. Also, why can’t I add it to Apple Pay.........??? If you’re not going to provide a tap to pay card?

by Jm.utter

I never had an issue with Avant until I paid off my loan. I accidentally overpaid my payoff by quite a bit on May 22nd and called them on June 2nd to check on getting a refund. The representative told me the refund would be deposited back to my account 2-3 weeks from the payoff date. Seemed easy enough, right? Wrong. A month from my payoff date goes by and I send them an email on June 22 to check and see if my refund is in process. Someone replies and says she’s forwarding my email to the appropriate department. I wait a few days, no reply. I email again and ask for an update, no reply. Six days later I email again for an update, again no reply. Today, July 3, I call them for an update and the girl says my refund will come around July 17th but does not sound very confident. I suppose I’ll wait a few more weeks but why does processing a simple refund take two months, especially when I was told 2-3 weeks? I don’t believe I will be refunded and am now out over $1000. Sure, it was my mistake but I work in lending, my company would never ignore emails nor would they steal money from a customer. I am certain they are lying to me and I’m not sure what to do at this point. I hate to leave them one star when they’ve been fine to work with until now but this is not okay with me.

by RegrettingEverything

If only we had the ability to give less than one star.... AvantCredit itself would definitely get negative stars. There are no notification options whatsoever; no text or push notification choices for due dates, purchases, payments.. nothing at all. It is as bare-bones an app as it could possibly be. Even the website doesn’t offer notification choices of any kind. Not even a singe box to check to be emailed letting you know your statement is ready. I suppose time will tell if it’s an automatic service or not.

Customer service is horrendous. They’d get negative stars as well. Incredibly rude and extremely unhelpful. I tried repeatedly to ask questions about fees in which each successive letter I received had conflicting amounts listed. Three different offers mailed to me had an annual fee of $125, $75, $49, then lastly, $39. I got each of them over the course of 3 weeks. I tried multiple times explain I was getting POSTAL mail communications, but yet the customer service representative kept asking me for the email subject line... and that was just ONE of the many many many problems in that conversation.

I haven’t even activated my card yet and I’ve had nothing but bad experiences from the very beginning of this ordeal. It remains to be seen if the card itself is any good or not, but, based on what I’ve seen so far I’m not even remotely hopeful.

by Fawnde

In an emergency I agreed to a loan with this company and boy, have I learned a valuable lesson. First, the interest rate was super high but when you’re backed into a financial corner, you don’t factor that in. During the entire course of this account I would get “invitations” to opt in to other products they offered like credit cards or additional loan amounts. Mind you, this is all after a year of steady, never late or missed payments. I was rejected at every turn with the reason given as you could only have one open product with them. Fine! Well stop sending me invitations to add on to my current loan or get a credit card since “I was such a good customer “. Repeatedly I requested for my name to be removed from their mailing list, but to no avail. I have now paid off my loan and will be closing my account and blocking them from any future access to my bank account. Sometimes you have to bite the bullet on the high interest rate but you don’t have to be subjected to constant ads for things they’re gonna deny anyway. There are better companies out there.

by Hellother22

I don’t like reading people are reviewing but this is a must. I’m sorry but this is my feeling only capital one credit has been awesome they raise my credit increase without asking it was very easy they work with you trying to get your credit score better they tell you your credit score but the most of all I got a credit increase without even asking I always make all my payments on time with everybody I mean a severe operation kind of life-saving I need to get my credit score over 700 in order to get this operation financed and tell them I’m trying to stay alive until I can get this done it’s life and death and it’s sad that I’m getting judged by my credit I’m trying to establish it I think you for the recent credit increase but that was part of my annual fee if you can help me in this matter I’m trying to get a laptop for my son for schooling because of the coronavirus I need a laptop I want to give them a good oneI’m thinking a little under 1000 or 1000 I will be using it too but mainly it’s for his schooling because schooling is all on Internet now and if you could help me in this matter I would greatly appreciate it whatever you can do

by Ping2 Anser

I have tried on 2 different occasions through your customer service to change my e-mail address because, for whatever reason, AVANT used an e-mail address which is not my e-mail address and not the one I entered during the application process. Customer service on each occasion told me they had changed and entered my correct e-mail address. After waiting 2 to 3 hours to check customer service I found nothing changed and I had to use an incorrect e-mail address to access my dashboard.

I then follow the instructions on “how to change an e-mail address” and found the information provide could not be done on the mobile AVANT app. I am totally unimpressed with both your website and customer service reps. I dealt with since they offer nothing more than “lip service”!! I expect someone at AVANT or WebBank to contact me in order to rectify the e-mail address error that I did not create; however, I doubt anything will happen one way or the other. Oh well, if AVANT or WebBank endeavors to communicate with me via e-mail then they shall be out of luck.

by Alan Joseph

AvantCredit works great, but this is more a review about the company itself. I needed a personal loan because I just purchased my house at the end of 2017 and needed to make some repairs. I received an offer via snail mail and thought I’d try because it said interest was between 9%-35%. My credit score was 676, so I assumed I’d get a good interest rate. Nope, I got approved for $3,000 with 35.5%. The money was in my account the next day, but 1 year and 2 months later, I only paid $971 of the principle balance and my mo/$130 was barely making a dent. I paid on time every month because automatic debit. I called CS to see if there was anyway to lower monthly or interest rate and they said I would have to run my credit again to refinance and increase the amount of the loan. No thanks! So I just paid off the principle in full 2 days ago to avoid paying $1680 in interest by the end of the loan. Sure they’ll approve you, but you’ll end up paying more in the end for a small amount of money that you could’ve saved up for or waited for tax season.

by J Doe 2121

The reviews I’ve read here are mostly ridiculous. Avant is a solid credit card company. They gave me a credit line with no annual fee, they allow me to pay my bill online or via AvantCredit , I can even use my debit card, which I prefer. What more do you need? I’m reading these complain where people complain how the card isn’t fancy enough for them. You don’t have good credit, you were given a credit line. Stop crying and be thankful for the opportunity to build credit. I’m not looking for a parade in my wallet. Just an opportunity to build credit, which avant provides. I’ve seen a lot of reviews complaining about their personal situation, stop telling this are any credit card company why you need Money. It’s pathetic and meaningless, people lie. These companies are not a charity, your problems are your own, act like an adult.
I also see a lot of reviews complaining about the representatives when they call. In my 30 years of having credit cards I’ve not once called to speak with someone. People who have to call all the time is the problem, not the card company. Just pay your bill, stop trying to get over on someone. It’s so ghetto. You’re fooling no one, grow up. Thank you avant for treating me fairly.

by Nancyns70

After having this card for a year ! I was always on time making payments sometimes 2-3 a month I was late one month by 3 days and would not even let it pass that one time. For being such a faithful customer all this time. I was just very disappointed that the company wouldn’t wouldn’t let this go this one time after all this time of always paying more then what was due or paying many times through the month. It’s not like I had a track record of being late all the time. Never happened. I was 3 days late and they wouldn’t even consider to change it . Not only that it’s still showing on my credit report that I still owe a higher balance then what I do! Because soon after I made my payment a week later I made another payment. And it’s still has not updated! Sure they like to make you look bad on your credit report when you don’t even owe that. But yet won’t work with you for a 3 day late payment.

by Shansypants

About two years ago I was searching for my first starter credit card. I researched a lot as my fiancé had one that was similar but was horrible to work with. I got nervous about getting screwed like he did and did a lot of research. I found this card that had great reviews with stories to back it up and I said “what the heck” and moved forward. I was approved, for my card super quick and I have never had an issue with this company ever since. Easy to make payments, easy to watch my account on AvantCredit and never have issues with extra fees or anything crazy. I have since been able to increase my credit limit twice. I have also gotten two major credit cards in the last year since I managed this one so well. I am very happy with avant- and highly recommend (especially do not get credit one).

by Beledweyne

I never had a personal loan before them .. I need a loan for a family emergency I submit my information through a landing tree the beginning and then they suggested fews companies Who can approve my loan so I want with them. I put the application through them and then They asked me to submit it more verification because apparently my birthday didn’t match what the credit bureau had a record so I sent an email right then and there about less than 2hours I got a day congratulation email that they approved my loan and then less than 48 hours the loan was already in my bank so thanks to them now I no longer need to worried about the needs of my family thank you

by Krackajacka

I got a $2000 loan to pay for my wisdom teeth removal. The teeth hurt but the loan payments didnt. $65 a month for three years plus it helped build my credit and autopay worked out great. I moved my payment day a couple days back one time. I was so thankful that is possible because my check wasnt coming until the next day. So now i just finished my term and i had a “payoff amount”. At first i was confused and thought maybe i had a late payment or something so i called customer service and they walked me through it and turns out pushing your payment day back 2 days costs you .13 cent payoff amount. Lol well worth it. So i had the pleasure of paying off my debt over the phone and told the guy thanks for the great experience maybe ill try a credit card next.

by Slightlymiffed

I have no issue with anyone if I am denied. Even if the offer was presented to me and not I searching for it. However with Avant I took the offer the first time and they seemed to have an issue finding someone to make a call to contact my boss about verifying employment. Now the first time I didn’t say anything and they let the application expire at that step. I applied again as that was the suggestion and again they seem to have an issue with calling him. I worked side by side with him this entire week, spoke to AVANT reps twice standing next to him who said they’d call right away... no call at all the entire week. I talked to a rep again and she was so scripted she had no idea how to respond at all. Let alone my two most current pay stubs shows I am employed, though not actively. Seriously they have my name, social security number, bank account info, and all they need yet can’t do what they guaranteed to do with it. Shady!

by 091267

They took two payments out of my bank account and when I called I was on hold for over an hour and then was told they were sending request to their accounting dept. when I asked how long it would be for someone to get back with me the foreign rep who was obviously reading from a script couldn’t give me a definite timeframe. Well you took almost $300 out of my bank account, I think I should be given some type of timeframe. They will get back with you as soon as this issue is resolved is not an acceptable answer. He had no clue and kept saying this same response over and over when I questioned him. Not good when you’re messing with a customers money...

by Sailorjerry316

Got a loan with 3 year term with average credit of amount of $8000. Gave me a whopping 35%!! I feel like everyone just gets an immediate maxed out interest rate! Anyways, made every single payment of $366 ON TIME! Had 4 payments left, so I made one of my regular payment and got charged TWICE!!! One was an ACH payment like always and the other transaction said “AVANT CREDIT” whatever tf that means... so I called them and was on the phone for 1 1/2 hours and NO ANSWER! Plus when they do answer it’s a stupid illiterate Indian from overseas who probably has your information. Called my bank to cancel payment, and best believe when this loan is paid off, they will get a horrible review to the BBB!

by Wuebxjir

Your customer service is terrible! I have called multiple times already about my account and I’ve only had the card 2 months! When I have made any payments it takes days to process. Then you take the money from my checking account days before you release it to my card. When I call about it your representatives are awful. You also do not report to credit agencies often which is odd for a credit building card. As is the fact you don’t release funds in a timely manner which causes my score to drop due to high credit use even though I never actually have more than $100 used on my card but it shows I’ve used hundreds because you don’t keep up with payments. I don’t recommend any card from this company. I would give it 0 stars if I could

by Nadia710

For my first automatic payment, the company charged bank account twice causing it to be over drawn. I emailed them and no response after 2 hours, I then called the company and was on the phone for almost 3 hours after speaking to 3 representatives in the Philippines. They all apologized saying there was nothing they could do to resolve the issue quicker and credit could not credit my account yet, even though they charged it twice. I asked to speak to someone in the United States due to the urgency of the matter and having to pay my childs school tuition in order to reserve her spot at school and not having access to they money that they were holding. The representatives stated that they had no way to reach the company located in Chicago, Illinois except for email, which I had already done two hour prior to being on the phone with them for 3 hours. This was the biggest mistake I’ve made by getting a loan through them and not resolving my issue. Wish I would have never signed this contract!!

by JustmakesnoSense

First of all, I am new customer. I received my card just a couple days ago. My first attempt to use it it was flagged as suspicious fraud activity. I called the first time they lifted the hold. I was given the green light to redo my purchase and then declined again! I called and the second person whom I could barely understand said because of multiple attempts, it needs to be escalated and I cannot use my card for three days! What the hell kind of business is this company running. I try to make a purchase then I it’s escalated because I am being accused of fraudulently using my own own account and that’s after I called them to verify it was make trying to make a purchase. I have never in my life seen any banking institutions give someone an account only to block their card for trying to use it! Unbelievable and unacceptable! I ask for a manager, no manager! I ask to transfer me to fraud and the 2nd lady said they have no number! That alone tells me she has no clue what she is doing or has not been trained at all!!!!!!!!

by Willytorrrs

I just made a call to Avant to make my monthly payment. While commenting to the lady representatives that I didn’t like that they say “This is an attempt to collect a debt” and explaining why, she was condescending and irritated. I have never payed late in my whole history and I should receive a bit of courtesy and respect towards my comments weather the representative cares or not. I will keep paying on time but will never recommend your company or do any more business with your company thanks to stupid reps that have no business working there if they have no patience. They should get a reminder that they ARE NOT the company owner and people should be treated with respect.

William Maisonet Torres

by Orange3232

I have had 3 loans thru this site. I would only use this if you need money fast and have the ability to pay off quick since they are very high interest rates. All of these loans I paid on time and even paid it off after a few payments. Tried to get a 4th loan with all the same info and was denied. There is no reason with my history of using this company that I should be denied. I have a feeling if you pay it off quick they don’t like that since they don’t make alot of money off of you. There is no loyalty with this company. I will go elsewhere. You lost a prompt payer!

by N3xt1nlyn3

I send more than half of my monthly payment every 2 weeks, prior to the due date (HINT: I use automatic bill pay from my bank, NOT ACH withdrawal). I get notifications when my payments are processed. However, they STILL send me notifications that my monthly payment is due EVEN THOUGH THEY HAVE ALREADY PROCESSED MY PAYMENTS. This is the only creditor I have that does this. If I weren’t paying close attention to the payments I send them, I would be really confused by their automated notifications.

If you’re going to get a loan from Avant, pay close attention to your submitted payments. Don’t rely on their notifications. AND DON’T ALLOW ANY CREDITOR ACCESS TO YOUR BANK ACCOUNTS THROUGH ACH DEBITS.

by Al2crooked

I was tight with funds and I needed a personal loan for my bills. I never did a loan of any kind but knew was credit was somewhat okay, so I gave all the information that was needed (through my iPhone X) online and was approved. Honestly in less than 24 hours the money was in my bank account. I’m very happy with the whole process and how quick it was. I will def be doing business with them in the future! Thank you very much Avant! #happycustomer 👌🏽

by Grandarieli

Recovering from damage credit. I applied for avant MasterCard and was approved with a $750 starting credit line. $29 annual fee.
Never had an issue with this card. Charge and pay in full . Just pay monthly and don’t miss a payment as with any cards. They report on a monthly basis and accurate to all CB. I received a Capone, Amex,discover cards after building my credit in two years.
Thanks to everyone at avant. I will still keep this card in my wallet, great to have.

by KathyBoutinChase

My credit score was 540, i received a approval for a $12,500 loan within an hour. And direct deposit the following business day.
For faster approval you need to make sure that the information that you provide on your application can be verified electronically.
It also is important to note that the interest for the full term of the loan needs to be paid even if the loan is paid off early.