Combine Your Debt Into One Avant Loan

Enter a loan amount and a term below to see an estimated monthly payment and total interest:

Loan amount ($) Term (months)

Estimated monthly payment

Estimated total interest over the term

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	Often 24% to 29% on revolving 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

This 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.

Explore other options

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 funded more than 4 million customers and originated roughly $12.5 billion since it started.

Reviews are mixed depending on where you look. Its Better Business Bureau customer rating is low, while its Trustpilot rating sits between 4.5 and 4.6 out of 5 across tens of thousands of reviews.

Worth knowing both sides before you decide.


Loan amount	$2,000 to $35,000
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	Around 550 to 580
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.

The part of the fee above 5% is refundable, prorated, if you pay off the loan early. 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 options

No. Checking your rate uses a soft credit check and won't affect your score. A hard check only happens if you decide to accept an offer.

Avant's guideline score is around 550 to 580, lower than what many traditional banks require. Approval still depends on your full financial picture, not just your score.

Yes. The fee (up to 9.99%) is deducted before the funds are sent to you. If early repayment is likely, the part of the fee above 5% is refundable on a prorated basis.

Not automatically. It tends to help most when it replaces multiple high-interest balances with one lower, fixed payment. If your approved APR lands near the top of Avant's range, compare it against what you're paying today before deciding.

Contact Avant directly as soon as possible. Missed payments can affect your credit score and may involve fees, both details you'll find in your actual loan agreement.

Explore other options