Avant

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

Contacts & Login

• Official website (Avant): https://www.avant.com/
• Personal loans customer support: +1 (800) 712-5407
• Personal loans support email: [email protected]
• AvantCard credit card customer service: +1 (855) 752-7012
• Credit card support email: [email protected]
• Resolutions Department (credit reporting discrepancies): [email protected]
• Complaints email (named in Avant's New Mexico notice): [email protected]
• Payment hardship line ([email protected]): +1 (844) 240-4539
• Customer dashboard login: https://www.avant.com/login

Locations

Avant payment, card and credit-reporting problems: where to go and what the company says (checked October 11, 2026)

Avant says it is "a financial technology platform, not a bank" and that "Avant branded credit products are issued by WebBank"; Avant's articles say Avant, "or one of Avant's trusted partners", services them. Its support site lists these routes.

• Personal loans: 800-712-5407 or [email protected], Monday to Friday 7:00am-10:00pm Central and Saturday-Sunday 7:00am-8:00pm Central, or the dashboard at avant.com/login.
• AvantCard: 855-752-7012 or [email protected]; to close the account Avant's article gives 1-855-AVANTCARD and warns that "trailing authorizations or payment returns" may still be processed and that any remaining balance stays owed.
• Cannot make a payment: the article says to call 312-763-7438 to learn about payment options; another article gives [email protected] and 844-240-4539 for hardship questions.
• Card payment charged incorrectly: Avant's article says to call 800-712-5407 about a refund, that it "will only refund payments which have been taken incorrectly", and that refunds go by ACH or paper check.
• Credit-report discrepancy: write to the Resolutions Department at [email protected] or Avant, ATTN: Resolutions Department, 222 W Merchandise Mart Plaza, Suite 900, Chicago, IL 60654.
• Cancel an application: before a decision email, email [email protected] or call 1-800-712-5407; for a funded loan, Avant says you can return the funds at any time with no prepayment penalty by scheduling a full payoff, and remain responsible for interest accrued since funding.
• Card billing error: Avant's article says to write to 222 W Merchandise Mart Plaza, Suite 900, Chicago, IL 60654 within 60 days after the error appeared and at least 3 business days before an automated payment, and that if you only call, "we are not required to investigate".

Escalation. The CFPB page says it sends complaints about financial products to companies, which "generally" respond within 15 days; you can submit at consumerfinance.gov/complaint. Avant's footer names [email protected] for New Mexico consumers and the New Mexico Financial Institutions Division, (505) 476-4885, as the regulator of that licence. Other state regulators are listed on Avant's licensure page.

Keep the loan agreement or cardmember agreement, payment confirmations and bank statements; they decide most payment disputes.

Regulator actions: FTC order (May 2019) and state actions in California, Colorado, Massachusetts and West Virginia

FTC (2019). The FTC's complaint, filed April 15, 2019 in the Northern District of Illinois, alleged that Avant falsely advertised that it would accept card payments, took payments without authorization (including repeat debits in one month), did not timely credit check payments, gave inaccurate payoff quotes and collected more after payoff, and required automatic bank debits as a condition of a loan. The court entered the stipulated order on May 17, 2019. In it the defendant admitted only the facts needed for jurisdiction; it imposes a $3,850,000 judgment as equitable monetary relief, prohibits misrepresenting payment methods, payoff amounts and when payments are credited, and prohibits collecting by remotely created payment orders and conditioning credit on preauthorized electronic transfers. In January 2022 the FTC said it was sending checks to 17,367 consumers, average $216, using Avant's records (no claim form); questions go to the administrator, Rust Consulting, 877-625-9420.

California (January 31, 2019). The Department of Business Oversight consent order with Avant of California, LLC recites examination findings that Avant paid unlicensed website operators and "ping tree" vendors for referrals and gave decline-traffic referral services; Avant "neither admits nor denies" them, agreed to desist and refrain, and to pay a $75,000 penalty. The order says Avant stopped the practices during the examination.

Colorado (August 2020). An Assurance of Discontinuance among the Colorado UCCC Administrator, the Attorney General, Avant of Colorado, LLC, Avant, LLC, Avant PB SPV, LLC, WebBank and others resolved the case styled Fulford v. Avant of Colorado, LLC (Denver District Court No. 17CV30377) on "true lender" claims. The document says it is "not an admission of any liability" and that defendants deny liability; it sets a 36 percent APR limit for specified loans under a safe-harbor structure, collective payments of $1,050,000 to the Attorney General and $250,000 in each of two fiscal years to Economic Literacy Colorado, and COVID-19 hardship accommodations for Colorado borrowers.

Massachusetts Attorney General (2021). The Assurance of Discontinuance with Avant, LLC, Avant II, LLC and Avant of Massachusetts, LLC (signed by Avant July 28, 2021) recites allegations "which Avant neither admits nor denies": no proper validation notice before August 2018 and high-volume collection calls. Avant agreed to pay $1,600,000 within ten days of the effective date and to comply with Massachusetts debt collection rules for three years; the AG's announcement in August 2021 says Avant had corrected its practices.

Massachusetts Division of Banks (February 10, 2023). A consent order dated February 10, 2023 (the Division's consent-order page displays "Docket Number: 2022-002", while its enforcement-actions index lists the same order as "2022-003"; checked 2026-10-11), entered "without admitting any allegations", recites that Avant allegedly acted as a small loan company in Massachusetts from at least August 1, 2016 through May 31, 2019 without a licence. Avant agreed to a $555,000 administrative penalty and to review Massachusetts small loans since August 1, 2016 and reimburse interest and fees above 12 percent.

West Virginia (2016). A copy hosted by the NCLC library of an Assurance of Voluntary Discontinuance with Avant, Inc. with the West Virginia Attorney General concerns 90 loans made in 2014 under the bank-partner model; the copy is marked as a settlement offer and its signature and date lines are blank, so the executed version was not seen. Its terms provide for a $225,000 civil penalty, refund of interest and fees on those loans, and say Avant "denies these allegations".

Who is Avant: Avant, LLC, WebBank, licences, products and 2026 news

Avant, LLC is a Delaware limited liability company headquartered in Chicago; the Florida corporate record lists Avant Holding Company, Inc. as its member. The company says it was founded in 2012 and, in a September 2026 release, that it has served approximately 4.8 million unique customers and connected them to over $17.6 billion in credit. Its website footer gives NMLS ID 1246731, and its licensure page lists state licences and regulators.

Products. On its personal-loans page Avant shows loan amounts of $2,000-$35,000, APRs of 9.95%-35.99% and terms of 24-60 months, with an administration fee up to 9.99%, a $25 late fee if a payment is not paid in full within 10 days after its due date and a $15 dishonored-payment fee (figures shown for the state selected by default; the page says they vary by state). Its cardmember-agreement page lists the AvantCard APR as 29.99%-35.99% fixed, annual fees of $0 to $75 (introductory annual fees $0 to $125 on some cards) and a cash-advance fee of the greater of $10 or 3%. Avant says there are no prepayment penalties.

Bank partner. Avant's support pages say WebBank originates the credit products and Avant services them; the Colorado assurance describes WebBank as a Utah state-chartered bank. The Colorado, Massachusetts and West Virginia documents above show state regulators have examined this bank-partner model and Avant's licensing.

2026. On July 29, 2026 Aperture Investors, LLC announced that it led a $300 million asset-based financing facility with Avant, LLC. On September 15, 2026 Avant announced a forward flow agreement under which InterVest Capital Partners, through an affiliate, committed to purchase up to $1 billion of personal loans facilitated through Avant's platform over 24 months. On September 18, 2026 Avant said it had filed an application with the OCC and FDIC to establish Avant Bank, N.A., "subject to regulatory approval".

Complaint record: BBB, CFPB database, Trustpilot and ComplaintsBoard as displayed on October 11, 2026

These figures are shown separately because the sites count different things; they are not added together and none verifies the underlying claims.

• BBB (profile for Avant, LLC, Chicago): BBB Accredited, rating A+; 824 total complaints in the last 3 years and 234 filed in the last 12 months; 1.06/5 stars from an average of 244 customer reviews. BBB's raw data: accredited since 2015-03-01, file opened 2013-02-27, business started 2012-12-06, incorporated 2017-10-05.
• CFPB database ('Avant Holding Company, Inc.'): 3,134 complaints received from 2021-02-20 to 2026-10-01, 985 since 2025-10-11. By the database's own labels, the largest products over all years are credit card (904), credit reporting or other personal consumer reports (808), credit card or prepaid card (500), debt collection (384) and credit reporting, credit repair services or other personal consumer reports (272). In the last 12 months: credit card 372, credit reporting 360, debt collection 186, payday, title, personal or advance loan 61. Company responses over all years: closed with explanation 3,109, closed with monetary relief 15, closed with non-monetary relief 1, in progress 9. The database also lists 'Avant Credit Corporation' with 632 complaints from 2014-09-03 to 2021-02-16. The CFPB's database page says the data "is not a statistical sample" and that complaints are not necessarily representative of all consumers' experiences.
• Trustpilot: 4.2 from 32,256 reviews; the profile is shown as claimed since April 2015 with a paid subscription, the company invites customers to review, and the page says Avant replied to 23% of negative reviews.
• ComplaintsBoard: 2.8 out of 5 from 17 reviews and 20 complaints.

No complaint in this site's archive is linked to this profile; posts about similarly named businesses were not attributed to Avant, LLC.

Lawsuits: federal and state enforcement cases and individual consumer suits

The enforcement cases are described in the regulator-actions section: FTC v. Avant, LLC, No. 1:19-cv-02517 (N.D. Ill.), resolved by the stipulated order entered May 17, 2019, and the Colorado and Massachusetts assurances. They are resolved matters under their stated terms.

A CourtListener RECAP search on October 11, 2026 for case names containing "v. Avant, LLC" returned 34 dockets, mostly individual consumer actions and bankruptcy-court proceedings. Where CourtListener lists a cause of action, examples include a Fair Credit Reporting Act case filed December 23, 2025 (Aguirre, S.D. Ind.), a Telephone Consumer Protection Act case filed July 11, 2025 (Phillips, D. Colo.) and a Fair Debt Collection Practices Act case filed March 7, 2025 and terminated November 20, 2025 (Zelkowitz, D. Minn.). The filings were not reviewed for this page; they are allegations by individual plaintiffs, and CourtListener does not hold every court docket. A consumer class action against Avant was not identified in the sources checked on October 11, 2026.

Is Avant Legitimate?

Avant, LLC is an active Delaware limited liability company registered in Florida with a Chicago principal address, lists NMLS ID 1246731 and state licences on its licensure page, and is BBB Accredited with an A+ rating as displayed. Its loans and cards are issued by WebBank, a Utah state-chartered bank, according to Avant and the Colorado assurance.

The public record also contains a 2019 FTC stipulated order with a $3.85 million judgment, a 2019 California consent order, a 2020 Colorado assurance, a 2021 Massachusetts Attorney General assurance and a 2023 Massachusetts Division of Banks consent order, each with the admission language stated in its own document, and BBB, CFPB and review-site counts that are summarized in the complaint-record section. These are documented records, not findings about a particular customer's experience.

Court & Public Records

Company Relationships

• Owned by: Avant Holding Company, Inc.
• Affiliated with: WebBank

Frequently Asked Questions