Combine Your Debt Into One Avant Loan
Enter a loan amount and a term below to see an estimated monthly payment and total interest:
Estimated monthly payment
$0
Estimated total interest over the term
$0
The math behind combining your debt
Here's what usually changes when several balances become one loan.
| Today (multiple balances) | Combined into one loan | |
|---|---|---|
| Number of payments | 2, 3, or more separate bills | 1 fixed payment |
| Typical APR | About 22% on average (Federal Reserve, Aug 2026), higher on some cards | 9.95% to 35.99% (based on your credit profile) |
| End date | No fixed date while you're carrying a balance | Fixed term, 24 to 60 months |
Explore other optionsThis is an illustrative example, not a quote.
Your real rate, term, and monthly payment depend on your income, credit history, and the amount you request.
If your credit profile places you near the top of that APR range, consolidating may not save you money. It's worth comparing the real numbers before deciding.
Checking your rate is a soft check, always
Getting a rate estimate uses a soft credit check. It doesn't affect your credit score, and no one else sees it on your report.
A hard credit check only happens if you choose to move forward with an actual loan offer. That may affect your score slightly, and it will show up on your credit report.
You'll always know before it happens.
Good to know about Avant
Avant is a private lender founded in 2012.
It has served more than 4 million customers since it started.
Reviews are mixed depending on where you look. Its Better Business Bureau customer rating is low (about 1 out of 5), while its Trustpilot rating is about 4.2 out of 5 across more than 32,000 reviews (October 2026).
Worth knowing both sides before you decide.
| Loan amount | $2,000 to $35,000 (varies by state; not available in every state) |
| APR | 9.95% to 35.99% |
| Term | 24 to 60 months |
| Administration fee | Up to 9.99%, deducted before the funds are sent to you |
| Credit score guideline | Avant does not publish a minimum; most approved borrowers score 600 to 700 |
| Funding time | Often the next business day, if approved before 4:30 p.m. Central Time |
The administration fee matters. If you're approved for $10,000 and the fee is 9.99%, you receive less than $10,000, not the full amount.
Avant describes the fee as non-refundable, and there is no prepayment penalty. Always check the exact fee on your actual offer before accepting.
What happens after you're approved
- One fixed monthly payment for the length of your term, instead of tracking due dates across multiple accounts.
- Paying on time can help your credit over time.
- Missing a payment can have the opposite effect, so autopay is worth setting up if it helps you stay consistent.
Not sure this is the right fit for you?
Explore other optionsYou will leave this site. Rates, fees and terms are set by Avant.
