7 Loans Like Avant for Bad to Good Credit in 2026

LendingPoint prefers a minimum credit score of but also looks beyond your credit score to evaluate your creditworthiness. It offers unsecured personal loans with starting rates of 7.99% — lower than Avant's starting rate of 9.95%.

LendingPoint's personal loan amounts range from $2,000 to $36,500, slightly higher than Avant. However, LendingPoint does have a higher origination fee of up to 10%.

• Not available in: Nevada, West Virginia

• Why we like it

  LendingPoint prefers a minimum credit score of but also looks beyond your credit score to evaluate your creditworthiness. It offers unsecured personal loans with starting rates of 7.99% — lower than Avant's starting rate of 9.95%.

  LendingPoint's personal loan amounts range from $2,000 to $36,500, slightly higher than Avant. However, LendingPoint does have a higher origination fee of up to 10%.

• Pros and cons

  Pros

  • Accepts fair credit
  • Lower rates than Avant
  • Higher loan amounts than Avant
  • No prepayment penalty

  Cons

  • Origination fee up to 10%
  • May require a higher credit score than Avant

• More details

  Loan amount	$2,000 to $36,500
  APR	7.99% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	Not stated
  Turnaround Time	As soon as 1 business day
  Loan Term	2 to 5 years

OneMain Financial is an online and in-store provider without fixed credit score requirements, making it available to borrowers of all credit scores. If you don't have the credit score to qualify for Avant, this provider might be worth looking into.

It also offers secured and unsecured loans, and securing a loan with collateral could get you a lower rate. However, OneMain Financial has higher rates than Avant overall, ranging from 11.99% to 35.99%.

There's also an origination fee of up to 10%. And unlike Avant, you can only borrow loans up to $30,000 instead of $35,000.

• Not available in: Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont

• Why we like it

  OneMain Financial is an online and in-store provider without fixed credit score requirements, making it available to borrowers of all credit scores. If you don't have the credit score to qualify for Avant, this provider might be worth looking into.

  It also offers secured and unsecured loans, and securing a loan with collateral could get you a lower rate. However, OneMain Financial has higher rates than Avant overall, ranging from 11.99% to 35.99%.

  There's also an origination fee of up to 10%. And unlike Avant, you can only borrow loans up to $30,000 instead of $35,000.

• Pros and cons

  Pros

  • No minimum credit score requirement
  • Secured and unsecured loans
  • Same-day turnaround available
  • Apply online or at a branch

  Cons

  • High rates
  • Origination fee up to 10%
  • Smaller maximum of $30,000

• More details

  Loan amount	$1,500 to $30,000
  APR	11.99% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	Not specified
  Turnaround Time	As soon as one hour
  Loan Term	24 – 60 months

• Partner terms and conditions

  You must complete a loan application and continue to meet any criteria used to select you for a loan offer. Not all applicants are approved. Loan approval and actual loan terms depend on applicant’s state of residence and ability to meet OneMain Financial credit standards such as a responsible credit history, sufficient income after monthly expenses, and if applicable, availability of eligible collateral.  
   
  Not all approved applicants qualify for larger loan amounts, lower APRs, or the most favorable loan terms. For example, larger loan amounts typically require a first lien on a motor vehicle that is no more than ten years old, meets our value requirements, and is titled in applicant’s name with valid insurance. APRs are generally higher on loans not secured by a vehicle. Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07.
   
  OneMain charges origination fees allowed by law. Depending on the state where the loan is opened, the origination fee may be either a flat amount or a percentage of the loan amount. Flat fees vary by state, ranging from $25 to $500. Percentage-based fees vary by state, ranging from 1% to 10% of the loan amount subject to certain state limits on the fee amount. For information about these fees and minimum and maximum loan sizes available in certain states, visit omf.com/loanfees.
   
  Current OneMain Customers:  Loan offers presented to a consumer assume the individual has no active loan with OneMain or one of its affiliates.  If a customer applies for a new loan offer, a OneMain representative will discuss available options.
   
  Active-duty military, their spouse or dependents covered by the Military Lending Act (MLA) may not pledge any vehicle as collateral.  If you are covered by the MLA, you are not eligible for secured loans.
   
  Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes.
   
  Time to Fund Loans: Funding within one hour after loan closing through SpeedFunds® must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to 1-2 business days after closing.

OppLoans offers short-term loans in small amounts, as low as $500 up to $5,000. Terms are very short, from 9 to 18 months. OppLoans doesn't have a minimum credit score requirement, whereas Avant requires at least 580.

Interest rates run at 195% APR. Despite the cost, OppLoans gets mostly positive reviews, many specifically praising its customer service and fast process.

• Not available in: Colorado, Connecticut, District of Columbia, Georgia, Iowa, Maryland, Massachusetts, New York, Oregon, South Dakota, Vermont, West Virginia

• Why we like it

  OppLoans offers short-term loans in small amounts, as low as $500 up to $5,000. Terms are very short, from 9 to 18 months. OppLoans doesn't have a minimum credit score requirement, whereas Avant requires at least 580.

  Interest rates run at 195% APR. Despite the cost, OppLoans gets mostly positive reviews, many specifically praising its customer service and fast process.

• Pros and cons

  Pros

  • $500 minimum amount
  • No credit score requirement
  • Highly rated in customer reviews

  Cons

  • High APRs
  • Rates and loan amounts vary by state

• More details

  Loan amount	$500 - $5,000
  Interest rate type	Fixed
  APR	129% - 195% APR
  Loan Term	9 to 18 months
  Turnaround time	As soon as the same business day

• Partner terms and conditions

  The advertised APR is an estimate based on currently available information, is not final, and is subject to change. If approved, your actual rate will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Applications submitted on the OppLoans platform will be originated by one of our bank partners and serviced by OppLoans. Please see the Rates and Terms for details regarding the availability of products in your state of residence. Subject to credit approval and verification. Actual approved loan amount and terms are dependent on our bank partners’ standard underwriting guidelines and credit policies. Funds may be deposited for delivery to your bank via ACH as soon as the same business day if verification is completed and final approval occurs before 12:00 PM CT on a business day. If approval occurs after 12:00 PM CT on a business day or on a non-business day, funds may be delivered as soon as the next business day. Availability of the funds is dependent on how quickly your bank processes the transaction. Installment loan amounts typically range from $500 to $5,000. Annual percentage rate (APR) ranges from 129% to 195%. Installment loan lengths range from 9 to 18 months. Example: A $2,000 installment loan repayable in 9 monthly payments with an APR of 160% would have monthly payments of $394.58. Loan amount, APR, and repayment terms may vary by state, please see https://www.opploans.com/rates-and-terms for additional information. Approval is not guaranteed. If approved, your actual rate will fall within the marketed range of rates, and will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Not all applicants will qualify for the lowest available rates. This is an expensive form of credit and you should determine whether the offered product(s) meets your financial needs. OppLoans’ Bank Partners may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. The credit inquiry will appear as a soft credit inquiry on your Experian credit report and a hard credit inquiry on your Clarity report. Therefore it will not affect your FICO credit score. OppLoans and its Bank Partners report customer payment history to the three major credit bureaus. On-time payments may improve credit score.

Prosper is pretty comparable to Avant, offering personal loans with lower starting rates from 8.99% to 35.99%. The minimum credit score requirement is 640, higher than Avant's 580. Prosper offers bigger loan amounts than Avant, up to $50,000, and comes with a comparable origination fee of 1% to 9.99%.

The biggest difference with Prosper is that it's a peer-to-peer lender, so an individual investor funds the loan.

• Not available in: Iowa, North Dakota, West Virginia

• Why we like it

  Prosper is pretty comparable to Avant, offering personal loans with lower starting rates from 8.99% to 35.99%. The minimum credit score requirement is 640, higher than Avant's 580. Prosper offers bigger loan amounts than Avant, up to $50,000, and comes with a comparable origination fee of 1% to 9.99%.

  The biggest difference with Prosper is that it's a peer-to-peer lender, so an individual investor funds the loan.

• Pros and cons

  Pros

  • Low starting rate
  • $50,000 maximum loan amount
  • Next-day funding available

  Cons

  • Higher credit score requirement than Avant
  • Origination fee 1% to 9.99%

• More details

  Loan amount	$2,000 to $50,000
  APR	8.99% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	640
  Turnaround Time	As soon as 1 business day
  Loan Term	2 to 5 years

Upstart has a unique underwriting process with its own algorithms, specifically catering to borrowers with new credit history or lower credit scores. While your credit score matters to the loan application, Upstart also considers alternative factors like your work history and education.

It offers a higher maximum loan amount than Avant of $75,000 and a lower starting rate of 6.3%. However, you may have to plan for a high origination fee of up to 12% of the loan amount. And there are only two terms to choose from: three or five years.

• Not available in: Connecticut, Iowa, Maine, Maryland, Nevada, New York, Oklahoma, Oregon, West Virginia

• Why we like it

  Upstart has a unique underwriting process with its own algorithms, specifically catering to borrowers with new credit history or lower credit scores. While your credit score matters to the loan application, Upstart also considers alternative factors like your work history and education.

  It offers a higher maximum loan amount than Avant of $75,000 and a lower starting rate of 6.3%. However, you may have to plan for a high origination fee of up to 12% of the loan amount. And there are only two terms to choose from: three or five years.

• Pros and cons

  Pros

  • Considers alternative credit factors
  • Starting rates lower than Avant
  • No prepayment penalty
  • Funding as soon as one day

  Cons

  • Origination fee up to 12%
  • Only two term options

• More details

  Loan amount	$1,000 to $75,000
  APR	6.30%–35.99% (includes any origination fee)
  Interest Rate Type	Fixed
  Min. credit score	300
  Turnaround Time	As soon as the next business day
  Loan Term	3 or 5 years

Not many lenders accept cosigners on personal loans, but Achieve does. Previously FreedomPlus, it has a low credit score requirement of 640 and ARPs starting at 6.25% — a higher credit score requirement than Avant but a lower starting rate.

You can add a cosigner if you'd like to try for a lower rate or increase your chance of approval. And if you're consolidating debt, Achieve offers a rate discount of up to 6% if it sends at least 85% of the funds directly to your creditors. However, Achieve's origination fee is slightly higher than Avant — up to 8.99% — and most customers pay the max fee.

• Available in: Alabama, Alaska, Arizona, Arkansas, California, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington

• Why we like it

  Not many lenders accept cosigners on personal loans, but Achieve does. Previously FreedomPlus, it has a low credit score requirement of 640 and ARPs starting at 6.25% — a higher credit score requirement than Avant but a lower starting rate.

  You can add a cosigner if you'd like to try for a lower rate or increase your chance of approval. And if you're consolidating debt, Achieve offers a rate discount of up to 6% if it sends at least 85% of the funds directly to your creditors. However, Achieve's origination fee is slightly higher than Avant — up to 8.99% — and most customers pay the max fee.

• Pros and cons

  Pros

  • Accepts cosigners and coapplicants
  • Rate discounts for debt consolidation and coapplicants
  • Low 600 credit score requirement
  • Lower rates than Avant

  Cons

  • No autopay discount
  • Origination fee up to 8.99%

• More details

  Loan amount	$5,000 to $50,000
  APR	6.25% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	640
  Turnaround Time	As soon as same business day
  Loan Term	24 to 60 months

Monevo is a connection service, not a direct lender, so you'll have the chance to find a wide variety of loans you might qualify for. After completing a few-minute online form, you can quickly compare lender offers that may fit your situation.

There's no set minimum credit score, but borrowers with bad or fair credit are unlikely to qualify for its low advertised rates. And like many other connection services, you may receive marketing content from lenders after completing the free online form.

• Available in all states

• Why we like it

  Monevo is a connection service, not a direct lender, so you'll have the chance to find a wide variety of loans you might qualify for. After completing a few-minute online form, you can quickly compare lender offers that may fit your situation.

  There's no set minimum credit score, but borrowers with bad or fair credit are unlikely to qualify for its low advertised rates. And like many other connection services, you may receive marketing content from lenders after completing the free online form.

• Pros and cons

  Pros

  • Loans starting at only $500
  • Long loan terms up to 12 years available
  • Quick online form

  Cons

  • Unlikely to qualify for lowest rates
  • Not a direct lender
  • May receive marketing phone calls and emails

• More details

  Loan amount	$500 to $500,000
  APR	5.40% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	300
  Turnaround Time	Varies by lender
  Loan Term	6 months to 12 years