Avant vs Upstart

		★ Editor's Pick
Feature	Avant Avant, LLC	Upstart Upstart Network, Inc.
Rating	4.2	4.5
Loan Type	personal	personal
APR Range	9.95% - 35.99%	6.3% - 35.99%
Loan Amount	$2,000 - $35,000	$1,000 - $75,000
Term Length	24 - 60 months	36 - 60 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)	Lowest starting APR in our roundup Considers education and job history, not just credit score Same-day funding available in many states Borrowers with thin credit files often qualify
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	Origination fee comes out of your proceeds, and Upstart doesn't publish its range Not available to residents of West Virginia or Iowa High maximum APR for higher-risk borrowers
Requirements	At least 18 years old Valid Social Security number Verifiable income (typically $1,200/month minimum) Active checking account	At least 18 (19 in some states) US citizen or permanent resident Valid bank account Verifiable income or job offer starting within 6 months
	Review	Review

Compare Different Products Apply Now We're paid by lending networks for loan requests submitted through our form.