Loan Comparison


Feature	Avant Avant, LLC	LendingPoint LendingPoint, LLC
Rating	4.2	4.1
Loan Type	personal	personal
APR Range	9.95% - 35.99%	7.99% - 35.99%
Loan Amount	$2,000 - $35,000	$2,000 - $36,500
Term Length	24 - 60 months	24 - 72 months
Pros	Fair-credit friendly (typical applicants have FICO 600-700) No prepayment penalty Mobile app for managing payments Fast funding (often next business day)	Longer maximum term (up to 72 months) Same-day or next-day funding No prepayment penalty Soft credit pull for rate check
Cons	Administrative fee up to 4.75% deducted from loan Not available in CO, HI, IA, NY, VT, WV Higher rates than top-tier lenders for excellent credit	Origination fee up to 10% in some states Not available in NV or WV Longer terms mean more interest paid over time
Requirements	At least 18 years old Valid Social Security number Verifiable income (typically $1,200/month minimum) Active checking account	At least 18 years old Minimum FICO score around 600 Verifiable annual income of $20,000+ Active US bank account
	Review Apply	Review Apply

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