I checked them in June and got a denial with a TU score of 791. I wanted to see what my TU is now since my reported installment loans just dropped a ton and I'd already done my three CRA pull on SCT. EQ and EX were updated, TU wasn't. So I hit the Avant app again today. Approved! For a fantastic APR of 35.91%! With a TU score of 819. 
(Note: TU was 784 yesterday without the change in installment loans updated).
@Anonymous wrote:
@Anonymous wrote:
@ddemari wrote:I've taken out a personal loan with Avant formerly Avant Credit. I live in Chicago and they are based here.
I've actually taken out 2 loans with them before. The last one was about 6 months ago, they offered to refinance my original loan which i took out in 2013 for 2,000 at 70% interest rate but I was in my last semester of grad school, was rebuilding and seriously needed 2,000 asap for school payment. So I did it.
6 months ago I shouldnt have taken the bait, but I did. Their TU score for was outdated and was 698, approved at 36% percent interest for a rather large amount. But at least this time i didnt need to do anything, I just uploaded a bank statement and the next day was funded.
Very very interesting that with your score you couldnt at least get a better rate. Makes me wonder if they even give anyone a lower rate than 36%.
For comparison I took out a loan with Promise Financial in August at 6.2%. They also pull TU, and it was lower at 787.
Good morning Captool,
Has Promise reported to all 3 of your bureaus yet? It's only reporting to my EQ right now. I'm hoping this reports to all 3 and the other bureaus are just slow.
Also only reporting to EQ for me so far. It also reports as "Student" which, at my age, is cracking me up.
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@ddemari wrote:I've taken out a personal loan with Avant formerly Avant Credit. I live in Chicago and they are based here.
I've actually taken out 2 loans with them before. The last one was about 6 months ago, they offered to refinance my original loan which i took out in 2013 for 2,000 at 70% interest rate but I was in my last semester of grad school, was rebuilding and seriously needed 2,000 asap for school payment. So I did it.
6 months ago I shouldnt have taken the bait, but I did. Their TU score for was outdated and was 698, approved at 36% percent interest for a rather large amount. But at least this time i didnt need to do anything, I just uploaded a bank statement and the next day was funded.
Very very interesting that with your score you couldnt at least get a better rate. Makes me wonder if they even give anyone a lower rate than 36%.
For comparison I took out a loan with Promise Financial in August at 6.2%. They also pull TU, and it was lower at 787.
Good morning Captool,
Has Promise reported to all 3 of your bureaus yet? It's only reporting to my EQ right now. I'm hoping this reports to all 3 and the other bureaus are just slow.
Also only reporting to EQ for me so far. It also reports as "Student" which, at my age, is cracking me up.
Me too. It took me a minute to figure out what it was because of the "Student" and because it's not listed as Promise Financial. Hoping it'll show up on EX/TU soon.
