Avant vs OppLoans

		Featured
Feature	Avant Avant, LLC	OppLoans OppFi Inc.
Rating	4.2	4.0
Loan Type	personal	installment
APR Range	9.95% - 35.99%	129% - 195%
Loan Amount	$2,000 - $35,000	$500 - $5,000
Term Length	24 - 60 months	9 - 18 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)	Lower APRs than typical payday lenders Installment structure (predictable monthly payments) Reports to credit bureaus (helps build credit history) No prepayment penalty
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 very high vs traditional personal loans Not offered in about a dozen states (check eligibility) Higher loan amounts come with longer commitments
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 income (recurring direct deposit preferred)
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