Avant vs OneMain Financial

		Featured
Feature	Avant Avant, LLC	OneMain Financial OneMain Holdings, Inc.
Rating	4.2	4.3
Loan Type	personal	personal
APR Range	9.95% - 35.99%	11.99% - 35.99%
Loan Amount	$2,000 - $35,000	$1,500 - $30,000
Term Length	24 - 60 months	24 - 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)	Secured loan option available (lower rates with collateral) 1,300+ physical branches for in-person support Approves borrowers with credit scores in the 600s Same-day funding in many cases
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	Origination fees (flat or percentage, varies by state) Higher minimum APR than online-only competitors Requires verification appointment for many applications
Requirements	At least 18 years old Valid Social Security number Verifiable income (typically $1,200/month minimum) Active checking account	At least 18 (19 in some states) Photo ID and proof of residence Verifiable source of income In-person or virtual appointment for verification
	Review	Review

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