Avant vs NetCredit


Feature	Avant Avant, LLC	NetCredit Enova International, Inc.
Rating	4.2	3.8
Loan Type	personal	installment
APR Range	9.95% - 35.99%	34.99% - 99.99%
Loan Amount	$2,000 - $35,000	$1,000 - $10,000
Term Length	24 - 60 months	12 - 60 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)	Installment structure with fixed monthly payments Reports payment history to major credit bureaus No penalty for paying off a loan early Checking eligibility does not affect your FICO score
Cons	Administrative fee up to 9.99% deducted from loan proceeds Not available in HI, IA, MA, ME, NY, VT, WA, WV Higher rates than top-tier lenders for excellent credit	APRs still far above a traditional bank or credit union loan Not available in Colorado, DC, Maryland, New Hampshire, New York, Pennsylvania, or West Virginia Line-of-credit product carries a separate 10% cash advance fee per draw
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 US citizen or permanent resident Active checking account Verifiable, recurring income
	Review	Review

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