Avant vs Personify Financial


Feature	Avant Avant, LLC	Personify Financial Applied Data Finance, LLC d/b/a Personify Financial
Rating	4.2	3.9
Loan Type	personal	installment
APR Range	9.95% - 35.99%	36% - 179.5%
Loan Amount	$2,000 - $35,000	$500 - $15,000
Term Length	24 - 60 months	12 - 48 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)	Looks beyond your credit score at income and banking history No application fee, and no penalty for paying off a loan early Funds available as soon as the next business day after you sign Reports payment history to the credit bureaus, plus monthly FICO Score access at no added cost
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 run up to 179.50%, at the top of the range for any installment lender Origination fee of up to 5.99% is added to the balance on most loans, so you pay interest on it too Only active in 27 states — many of the largest states aren't on the list Uses a bank-partner structure that consumer advocates and at least one lawsuit have challenged
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 Valid, active checking account Verifiable income Valid email address and government-issued ID for identity verification
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