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<p class="financial-disclaimer"><i><keyword id="35448" type="ORGANIZATION" weightage="100" keywordseo="personal-finance">Personal Finance</keyword> Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.</i></p><ul class="summary-list"><li><keyword id="896226" type="PERSON" weightage="60" keywordseo="Avant">Avant</keyword> offers <keyword id="35520" type="PERSON" weightage="60" keywordseo="personal-loans">personal loans</keyword> for emergency expenses, car repairs, vacations, and more.</li><li>Avant loan amounts range from $2,000 to $35,000, but exact limits vary by state.</li><li>You have a good chance of qualifying for an Avant <keyword id="180660" type="PERSON" weightage="60" keywordseo="personal-loan">personal loan</keyword> with a credit score of 600. </li><li><a href="https://www.businessinsider.com/personal-finance/best-personal-loans" target="_blank" rel="noopener">See Insider's picks for the best personal loans »</a></li></ul>Table of Contents: Masthead Sticky<h2>Should you use Avant?</h2><table style="border-collapse: collapse; width: 100%;" border="1"><tbody><tr><td style="width: 50%;"><strong>You may like Avant if you ... </strong></td><td style="width: 50%;"><strong>You may not like Avant if you ... </strong></td></tr><tr><td style="width: 50%;"><ul class="summary-list"><li>Have a credit score as low as 600</li><li>Want to avoid prepayment penalties</li><li>Want a company with long customer service hours</li><li>Need your funds within one business day</li><li>Want to manage your loan from a mobile app</li></ul></td><td style="width: 50%;"><ul class="summary-list"><li>Need to borrow more than $35,000</li><li>Don't have an account with a bank or credit union</li></ul></td></tr></tbody></table><p><strong>The bottom line:</strong> Avant is a good personal loan provider, especially if you have a lower credit score and want your money quickly. Just be prepared to pay a high APR if you do have a low score.</p><h2>How Avant works</h2><p>Avant provides personal <keyword id="6362287" type="UNKNOWN" weightage="60" keywordseo="loans">loans</keyword> through <a href="https://www.businessinsider.com/personal-finance/webbank-review" target="_blank" rel="noopener">WebBank</a> (Member FDIC), a state-chartered industrial bank. Avant offers both secured and unsecured personal loans, but we're focusing on the company's unsecured personal loan options. Unsecured loans are more common with Avant and with competing lenders.</p><p>An <a href="https://www.businessinsider.com/personal-finance/unsecured-loans-vs-secured-loans-what-is-the-difference" target="_blank" rel="noopener">unsecured personal loan</a> doesn't require any collateral, such as a house or car. These personal loans can be used for a variety of purposes.</p><p>Avant loan amounts range from $2,000 to $35,000. The minimum amount you're required to borrow varies by state. Avant offers loans to all 50 states and Washington, DC. </p><p>The minimum loan term is 24 months, and the maximum term is 60 months. You can pay off Avant loans in full at any time without incurring an early payment penalty.</p><p>Depending on your credit score and annual income, your APR will range from 9.95% to 35.99%, which is higher than some other major competitors' APR ranges. For example, <keyword id="11106586" type="UNKNOWN" weightage="60" keywordseo="best-egg">Best Egg</keyword>'s range is 5.99% to 29.99%, and <keyword id="11106587" type="UNKNOWN" weightage="60" keywordseo="marcus-by-goldman-sachs">Marcus by Goldman Sachs</keyword>' is 6.99% to 19.99%.</p><p>If Avant offers you a loan with a high interest rate, you may want to look into <a href="https://www.businessinsider.com/personal-finance/best-credit-cards-for-bad-credit" target="_blank" rel="noopener">credit cards for people with bad credit</a> and compare rates between a card and a loan - you might be eligible for a lower APR and better terms with a credit card. <a href="https://www.businessinsider.com/personal-finance/borrow-money-credit-card-or-personal-loan" target="_blank" rel="noopener">Weighing the pros and cons</a> of your decision will help you get the best financial deal possible. </p><p>If your loan is approved by Avant by 4:30 p.m. CT Monday through Friday, funds are generally deposited by the next business day, per the company's website. </p><p>You can reach Avant via their customer service email address, support@avant.com. Or call 800-712-5407 Monday through Friday, 7:00 a.m. to 10:00 p.m. CT, or weekends from 7:00 a.m. to 8:00 p.m. CT.</p><p>Avant also has a mobile app with a smooth, well-designed interface. The app has 4.5 out of 5 stars in the Apple store, and 3.8 out of 5 stars in the Google Play store. </p><p>Avant has a <a href="https://support.avant.com/" target="_blank" rel="noopener">Support Center</a> with answers to questions, sorted by topic.</p><p>You can get a variety of personal loans from Avant, including:</p><ul><li><a href="https://www.businessinsider.com/personal-finance/best-debt-consolidation-loans" target="_blank" rel="noopener">Debt consolidation</a></li><li>Emergency expenses</li><li>Life events</li><li>Car repair</li><li><a href="https://www.businessinsider.com/the-top-5-diy-home-renovations-to-maximize-your-property-value" target="_blank" rel="noopener">Home improvements</a></li><li><a href="https://www.businessinsider.com/hidden-costs-moving-2018-7" target="_blank" rel="noopener">Moving expenses</a></li><li>Vacation</li><li>Other (this is not clearly defined on Avant's website)</li></ul><p>You'll need to meet the following requirements to apply:</p><ul><li>You must be over the age of 18 (19 if you live in Alabama)</li><li>You must have a personal bank or credit union account (prepaid card accounts aren't eligible)</li><li>You must be able to provide documents to verify your income, identity, and other information as requested</li></ul><h2>What credit score do you need to qualify for an Avant loan?</h2><p>To qualify for a personal loan, Avant states on its website that most customers have a <a href="https://www.businessinsider.com/personal-finance/what-is-a-bad-credit-score" target="_blank" rel="noopener">credit score</a> between 600 and 700. However, your credit score isn't the entire factor in your loan approval, so you may still consider applying with a lower score. Here's how scores break down, according to FICO: </p><ul><li><strong>Very poor:</strong> 300 to 579</li><li><strong>Fair:</strong> 580 to 669</li><li><strong>Good:</strong> 670 to 739 </li><li><strong>Very good:</strong> 740 to 799 </li><li><strong>Exceptional:</strong> 800 to 850</li></ul><p>Your credit score will not be impacted if you check your loan rates with Avant, because the company only generates a soft credit inquiry.</p><p>Avant will perform a <a href="https://www.businessinsider.com/personal-finance/what-is-a-hard-inquiry-credit-report" target="_blank" rel="noopener">hard credit inquiry</a> once you continue with the loan application, which will likely affect your credit score. A hard inquiry gives a lender a comprehensive view of your credit history, but may negatively affect your score.</p><p>Avant may be a good choice for you if you have a lower credit score, because Avant has more lenient credit score requirements than other personal loan companies. Keep in mind that the lower your credit score, the higher your APR could be - and Avant rates go up to 35.99%. </p><p>Here are some tips you may consider to improve your credit score before applying for a loan: </p><ul><li><strong><a href="https://www.businessinsider.com/personal-finance/how-to-get-free-credit-report-check-credit" target="_blank" rel="noopener">Ask for and examine a copy of your credit report</a>.</strong> Look for any mistakes on your report that could be tanking your score. If so, reach out to the credit bureau to talk about fixing the error.</li><li><strong><a href="https://www.businessinsider.com/personal-finance/how-to-increase-your-credit-score-improve-credit" target="_blank" rel="noopener">Keep credit card balances low</a>. </strong>Sustaining a credit utilization rate - the percentage of your total credit you're using - of 30% or less will prove to lenders that you can handle your credit well.</li><li><strong>Design a system for paying bills in a timely fashion. </strong>Your payment history makes up a significant percentage of your credit score, and lenders prefer to see stable payments in the past. Set up calendar reminders or automatic payments so you don't find yourself playing catch up.</li></ul><h2>Is Avant trustworthy?</h2><p>Avant is a Better Business Bureau-accredited company, and the BBB gives Avant an <a href="https://www.bbb.org/us/il/chicago/profile/consumer-finance-companies/avant-llc-0654-88588503" target="_blank" rel="noopener">A in trustworthiness</a>. The BBB assesses trustworthiness by evaluating a business' responses to consumer complaints, truthfulness in advertising, and transparency about business practices. </p><p>However, good BBB scores don't guarantee you will have a good relationship with companies. They're merely a guideline to help you get started on your hunt for a personal loan provider. </p><p>Avant does have a recent controversy. In 2019, the company settled a case with the Federal Trade Commission where it was <a href="https://www.ftc.gov/news-events/press-releases/2019/04/online-lending-company-agrees-settle-ftc-charges-it-engaged" target="_blank" rel="noopener">found liable</a> for putting unauthorized charges on customers' credit card, and for illegally requiring customers to agree to automatic payments from their bank accounts when taking out a loan. </p><p>Due to Avant's recent history, you may decide you're more comfortable using a different personal loan company.</p><h2>The pros and cons of <keyword id="11106589" type="UNKNOWN" weightage="60" keywordseo="avant-personal-loans">Avant personal loans</keyword> </h2><h3>Pros</h3><ul><li><strong>Quick access to funds</strong>. If your loan is approved by 4:30 p.m. CT Monday through Friday, funds are generally deposited by the next business day. The exact time will depend on your bank and its processing time. </li><li><strong>No prepayment penalty.</strong> You can make additional payments toward your loan, and you won't be charged an extra fee.</li><li><strong>Mobile app</strong>. Avant has a strong mobile app. Not all personal loan companies come with apps.</li></ul><h3>Cons</h3><ul><li><strong>Multiple types of fees.</strong> You'll have to pay an administration fee of up to 4.75%, which will be deducted from your loan proceeds when the loan is funded. If you miss a scheduled payment, you may incur a late fee, which will vary by state. If a scheduled payment is returned unpaid, dishonored payment fees may apply. </li><li><strong>High maximum APR. </strong>Compared to competitors like Best Egg, Marcus, and Lightstream, Avant's maximum APR of 35.99% is high. Best Egg's max is 29.99% APR, and Marcus' and Lightstream's are 19.99% APR.</li></ul><h2>How to get an Avant personal loan</h2><p>The application is available online and can be completed in a few minutes. You'll need basic information for the initial application, including:</p><ul><li>Name</li><li>Contact information including your address, phone number, and email</li><li>Whether you rent or own your home</li><li>How much you pay for housing each month</li><li>Date of birth</li><li>Social security number </li><li>Employment status</li><li>Individual income (monthly net income)</li><li>Reason for applying for a personal loan and how much you want to take out</li><li>Other financial information, such as how you would rate your credit quality</li></ul><p>You'll be able to see your offers and interest rate range within a few minutes. You'll need to undergo identity verification to complete the application process, and you may need to provide confirmation of certain financial details before your application is approved. </p><p>After you've verified your information, the funds will be delivered to your bank account as requested, usually by the next business day. </p><h2>How does Avant compare to other personal loan lenders? </h2><p>Although rates are specific to borrowers, Avant interest rates are higher than those offered by other big-name lenders. Here's how Avant compares to the competition.</p><table style="height: 207px; width: 100%; border-collapse: collapse; margin-left: auto; margin-right: auto;" border="1" cellpadding="10px"><tbody><tr style="height: 72px;"><td style="width: 24.2887%; height: 72px; text-align: center;"><a href="https://www.avant.com/" target="_blank" rel="noopener"></a><a href="https://www.avant.com/" target="_blank" rel="nofollow noopener sponsored"><div type="image" title="Avant   logo" height="319" width="426" msid="82093598" hostid="261"></div></a></td><td style="width: 27.6215%; height: 72px; text-align: center;"><a href="https://www.marcus.com/us/en/personal-loans" target="_blank" rel="noopener"><div type="image" title="Marcus by Goldman Sachs High yield online savings account" height="377" width="600" msid="82093599" hostid="261"></div></a></td><td style="width: 26.5817%; height: 72px; text-align: center;"><a href="https://www.bestegg.com/personal-loans/" target="_blank" rel="noopener"><div type="image" title="best egg logo" height="319" width="426" msid="82093600" hostid="261"></div></a></td></tr><tr style="height: 42px;"><td style="width: 24.2887%; height: 44px; text-align: center;"><p><strong>Min. credit score</strong></p><p>600</p></td><td style="width: 27.6215%; height: 44px; text-align: center;"><p><strong>Min. credit score</strong></p><p>Unspecified</p></td><td style="width: 26.5817%; height: 44px; text-align: center;"><p><strong>Min. credit score</strong></p><p>640</p></td></tr><tr style="height: 20px;"><td style="width: 24.2887%; height: 20px; text-align: center;"><p><strong>APR</strong></p><p>9.95% to 35.99%</p></td><td style="width: 27.6215%; height: 20px; text-align: center;"><p><strong>APR</strong></p><p>6.99% to 19.99%</p></td><td style="width: 26.5817%; height: 20px; text-align: center;"><p><strong>APR</strong></p><p>5.99% to 29.99%</p></td></tr><tr style="height: 20px;"><td style="width: 24.2887%; height: 20px; text-align: center;"><p><strong>Origination fee?</strong></p><p>No*</p></td><td style="width: 27.6215%; height: 20px; text-align: center;"><p><strong>Origination fee?</strong></p><p>No</p></td><td style="width: 26.5817%; height: 20px; text-align: center;"><p><strong>Origination fee?</strong></p><p>Yes</p></td></tr><tr style="height: 51px;"><td style="width: 24.2887%; text-align: center; height: 51px;"><p>Avant Personal Loans</p></td><td style="width: 27.6215%; text-align: center; height: 51px;"><p><a href="https://www.marcus.com/us/en/personal-loans" target="_blank" rel="noopener">Apply for a loan</a></p></td><td style="width: 26.5817%; text-align: center; height: 51px;"><p>Best Egg</p></td></tr></tbody></table><p><em>*While Avant does not charge an origination fee, it does charge an administration fee of up to 4.75%.</em></p><h3>Avant review vs. Marcus by Goldman Sachs review</h3><p>Avant charges an administration fee of up to 4.75%, which will be subtracted from your loan proceeds when it's funded. You'll also pay a fee if you miss a scheduled payment or if a scheduled payment is returned unpaid.</p><p>You won't pay any fees with <a href="https://www.businessinsider.com/personal-finance/marcus-bank-review" target="_blank" rel="noopener">Marcus</a>, including late fees. Rather, you'll rack up more interest if you don't pay on time, and your final payment will be bigger.</p><p>With Marcus, you'll receive a 0.25% discount on your loan by signing up for AutoPay; Avant does not offer this perk. </p><p>While Marcus has no official minimum credit score requirement, the company recommends a minimum credit score of 660 in an <a href="https://www.marcus.com/us/en/resources/credit-score/credit-score-for-a-personal-loan" target="_blank" rel="noopener">informational post</a> on its website. This suggestion is higher than Avant's loose guidelines by a significant margin. If your credit score is below 660, Avant is likely the better option. That said, the lower your credit score, the higher an APR you will probably pay. </p><h3>Avant vs. Best Egg personal loans</h3><p>You'll pay a late fee with both loan providers - Avant's late fee depends on which state you live in, while <a href="https://www.businessinsider.com/personal-finance/best-egg-personal-loans-review" target="_blank" rel="noopener">Best Egg's</a> late fee is $15. Both have additional fees baked into the cost of the loan. Avant charges an administration fee of up to 4.75% of your loan amount, while Best Egg's has an origination fee ranging from 0.99% to 5.99%.</p><p>Avant also has a lower minimum credit score guideline than Best Egg - though both companies have relatively low minimums. As a result, Avant might be the better choice if your credit is toward the lower side of "fair."</p><p>You'll receive your funds roughly in the same amount of time with both companies. Avant claims most customers will receive their funds the next business day, and Best Egg says the majority of customers will get their money within one to three business days.</p><p><em>Ryan Wangman is a reviews fellow at Personal Finance Insider reporting on mortgages, refinancing, bank accounts, and bank reviews. In his past experience writing about personal finance, he has written about credit scores, financial literacy, and homeownership.</em></p>Related Content Module: More Personal Finance Coverage

Avant review: Personal loans for people with low credit scores, but you'll pay a high interest rate

The best debt consolidation loans right now

<p><div class="KonaFilter image-container display-table"><div><div class="image on-image"><p class="source"><span>Hero Images/Getty Images</span></p></div><p></p></div></div></p><ul class="summary-list"><li><a href="https://partner.earnest.com/referral/33a74060-c5d3-4bc7-97ec-9f5d4587104b?utm_source=business_insider&amp;utm_medium=referral" rel="nofollow">Earnest offers fixed-rate personal loans</a> that can be used for <a href="https://www.businessinsider.com/what-is-debt-consolidation-make-debt-payoff-easier">debt consolidation</a>, home improvements, etc. </li><li>Unlike some other lenders, Earnest reviews factors other than <a href="https://www.businessinsider.com/how-to-check-your-credit-score-free">credit score</a> in making personal loan determinations.</li><li>Earnest personal loan applicants may be waiting between five and 10 days for a decision.</li><li><a href="https://partner.earnest.com/referral/33a74060-c5d3-4bc7-97ec-9f5d4587104b?utm_source=business_insider&amp;utm_medium=referral" rel="nofollow">Apply for an Earnest personal loan today and get an interest rate as low as 5.99% APR »</a></li></ul><p>One thing that's certain about adult life is that it's expensive. Paying rent, insurance, food, transportation, technology, and more all add up fast. That's not including the big life stuff, like weddings, funerals, moving, and home improvements. </p><p>Given the cost of managing everything in your life, let's face it, sometimes you just need extra money. You need extra money and maybe you can't wait to save and <em>need it now</em>. So what are you to do? </p><p>A flexible and low-cost option (compared, for example, to credit cards) is <a href="https://www.businessinsider.com/borrow-money-credit-card-or-personal-loan">taking out a personal loa</a>n. Unlike student loans for school or an auto loan for a car, personal loans can be used for <em>personal reasons. </em></p><p>If you need money for <a href="https://www.businessinsider.com/how-to-use-personal-loan-to-pay-off-credit-cards">debt consolidation</a>, medical bills, starting a small business, moving, etc., a personal loan can help bridge the funding gap. One lender that offers personal loans is Earnest. </p><h2>About Earnest</h2><p>Earnest is an online lender that is best known for its <a href="https://www.businessinsider.com/earnest-refinance-student-loans-review-how-it-works">student loan refinancing product</a>. But the company offers personal loans as well. </p><p>Personal loans are <a href="https://www.businessinsider.com/unsecured-loans-vs-secured-loans-what-is-the-difference">unsecured loans</a> that are paid back on a fixed repayment term, with fixed monthly payments. Unsecured means that you don't have any collateral, like a home or car, to back the loan. </p><p>As it turns out, Earnest recently revamped its personal loan offerings to make them even more borrower-friendly. </p><p>According to <a href="https://www.earnest.com/blog/upgrading-earnest-personal-loans/">the company's website</a>, "Taking all our learnings from the last five years and the hundreds of thousands of applications that we have received, in 2019 we are refining our personal loans to create an even better way to borrow." </p><p>The company announced lower rates starting at 5.99% APR and said it has streamlined the application process as well as the time it takes for a decision to be made. </p><h2>Interest rates, fees, etc. </h2><p>Earnest offers competitive rates compared to other online lenders. Earnest's personal loan interest rates start at 5.99% APR, and the highest interest rate is 17.24% APR. </p><p><a href="https://partner.earnest.com/referral/33a74060-c5d3-4bc7-97ec-9f5d4587104b?utm_source=business_insider&amp;utm_medium=referral" rel="nofollow"><em><strong>Apply for an Earnest personal loan today and see if you qualify for a low interest rate »</strong></em></a></p><p>Compare that to <a href="https://www.avant.com/personal-loans">Avant</a>, which has an APR range of 9.95% to 35.99% for personal loans and charges an administrative fee of up to 4.75%. </p><p>The interest rate you get approved for on an Earnest personal loan will depend on your credit as well as your repayment term. </p><p><div class="KonaFilter image-container display-table"><div><div class="image on-image"><p class="source"><span>Earnest</span></p></div><p></p></div></div></p><p>From the chart above, you can see the lowest rate is reserved for the shortest repayment term of three years. On the other hand, the highest rate is for the longest repayment term of five years. </p><p>Your interest rate affects the total cost of the loan, so being able to score a low rate and pay off your debt in a matter of years can result in major cost savings. </p><p>There are no fees associated with Earnest personal loans and you can borrow between $5,000 to $75,000. Compare that to Avant, which allows borrowers to get loans between $2,000 to $35,000. </p><p>If you need more money, Earnest is a good option. On the other hand, if you don't need that much, Avant might be the better option - Earnest requires borrowers to take a minimum of $5,000.</p><h2>Pros and cons </h2><p>Before applying for a personal loan with Earnest, consider the pros and cons first. As noted above, Earnest offers lower rates than some of its counterparts in the personal loan marketplace. But what really sets it apart is that it reviews more than just <a href="https://www.businessinsider.com/what-is-a-fico-score-how-is-it-calculated">your FICO credit score</a>, unlike most lenders. </p><p>Earnest takes a more comprehensive approach, reviewing things like your education, savings, and earning potential. That way, they're looking at the whole you and not just a three-digit number that's supposed to inform your whole financial history. Having a fuller picture of your financial life and financial history, Earnest can offer you the best rate for your situation. </p><p>You'll also receive a decision within five to 10 days, according to the Earnest website. After accepting the terms of the loan, you'll get the money within one to two business days. </p><p>Additionally, Earnest claims that you'll always have access to a person if you're in need of help. If you've ever searched a website looking for a phone number or desperately wanted help from someone to walk you through a problem, this is a perk. </p><p>One of the cons of using Earnest is that there is a $5,000 minimum, so if you just need $2,000 to fix your car, it's a no-go. </p><p>Also, if you need the money really fast, the five to 10 day turnaround can be tough. For example, <a href="https://www.wellsfargo.com/help/loans-and-lines/personal-credit-faqs/">Wells Fargo says</a> you could receive a decision on a personal loan in a couple of minutes, depending on certain factors. </p><h2>How to apply for an Earnest personal loan</h2><p>If you go to <a href="https://www.earnest.com/personal-loans">the Earnest website</a>, a few clicks will get you a quote in two minutes.</p><p>You'll then need to input some personal information, such as your full name, address, annual income, as well as your Social Security Number. </p><p><div class="KonaFilter image-container display-table"><div><div class="image on-image"><p class="source"><span>Earnest</span></p></div><p></p></div></div></p><p>After that, you can see the rate you're approved for. If approved and you think the rate is competitive, you can move forward with the application to get an Earnest personal loan. </p><p>According to the <a href="https://www.earnest.com/_/questionnaire/?id=1d9d8d91-d71f-47dd-90d6-55eb46cd6b2d&amp;product=pl">fine print on Earnest's website</a>, "When you apply for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents."</p><p>Once you receive a decision within the five to 10 day timeframe, you should expect your funds within one to two days. When you have the funds, you can use them as you please for debt consolidation, home improvements, car repair, etc. </p><p>After that, you'll want to manage your monthly payments that will be based on your repayment term. You want to pay back your personal loan and keep your credit in shape. </p><p>A personal loan can help you get the money you need but it can also be a slippery slope that leads to even more debt. Make sure getting a personal loan makes sense for your financial situation and all other options are exhausted before taking out a personal loan. </p><h3><a href="https://partner.earnest.com/referral/33a74060-c5d3-4bc7-97ec-9f5d4587104b?utm_source=business_insider&amp;utm_medium=referral" rel="nofollow">A personal loan can help you pay off high-interest credit card debt faster. Apply for an Earnest personal loan today »</a></h3><ul class="read-more-links"><li>More <a href="https://www.businessinsider.com/yourmoney">personal finance</a> coverage</li><li><a href="https://www.businessinsider.com/why-open-high-yield-savings-account-now-interest-rates-down">4 reasons to open a high-yield savings account while interest rates are down </a></li><li><a href="https://www.businessinsider.com/how-to-open-wealthfront-cash-account-savings">It took less than 10 minutes to open a high-yield cash account with Wealthfront and earn more on my savings</a></li><li><a href="https://www.businessinsider.com/how-to-buy-a-house-with-no-money-down-home-loans">How to buy a house with no money down </a></li><li><a href="https://www.businessinsider.com/when-to-save-money-in-high-yield-savings">When to save money in high-yield savings</a></li><li><a href="https://www.businessinsider.com/best-rewards-credit-cards">Best rewards credit cards</a></li><li><a href="https://www.businessinsider.com/reasons-to-get-life-insurance-you-havent-thought-of-yet">7 reasons you may need life insurance, even if you think you don't</a></li></ul> <p class="tagline"><p style="font-size:14px;"><em>Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. What you decide to do with your money is up to you. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.<em></em></em></p></p>    <div class="margin-top">        <h3>NOW WATCH: <a href="https://www.businessinsider.com/can-president-trump-be-tried-for-treason-ukraine-president-impeachment-2019-9">A law professor weighs in on how Trump could beat impeachment</a></h3>        <div>                    </div>    </div>

Earnest offers low-interest personal loans, and looks at more than just your credit score when you apply

<p><div class="KonaFilter image-container display-table"><div><div class="image"></div></div></div></p><ul class="summary-list"><li>The fintech industry continues to grow, with the sector raising a record $39.57 billion globally in 2018, according to research conducted by data provider CB Insights and reported by Reuters.</li><li>With the fintech market projected to be worth over $300 billion by 2023, the key question in the world of fintech is shifting from how to raise capital to how to intelligently spend it.</li><li>Business Insider spoke with four leading fintech companies who have completed significant capital raises to understand how the founders allocate their money.</li><li>Each leader has a distinct philosophy, but it's clear that successful fintechs find a balance by investing in technology, products, and people.</li><li><a href="https://www.businessinsider.com/prime?module=article&amp;area=summary">Click here for more BI Prime stories.</a></li></ul><p>The global fintech market raised a record $39.57 billion from venture capital investors in 2018 through 1,707 deals - up 120% from the previous year - <a href="https://www.reuters.com/article/us-fintech-funding/fintech-companies-raised-a-record-39-6-billion-in-2018-research-idUSKCN1PN0EL">Reuters reported</a> in January 2019 on research conducted by data provider CB Insights. </p><p>And the fintech space is showing no signs of slowing down, with the market forecasted to be worth in excess of $300 billion by 2023, according to a <a href="https://www.researchandmarkets.com/reports/4761440/global-fintech-market-2018-2023">Global Fintech Market</a> report. That means the key question in the world of fintech is shifting from how to raise capital to how to intelligently spend it. </p><p>Adam Hughes, president of <a href="https://www.avant.com/">Avant</a>, an online lending company focused on personal loans for the near-prime market - in other words, <a href="https://blogs.wsj.com/moneybeat/2016/07/26/banks-have-a-new-phrase-for-risky-customers-near-prime/">"riskier borrowers"</a> - told Business Insider that consumers are expecting banks to move with the times. </p><p>"The 'Amazon Effect' means that consumers are now demanding better levels of service and digital banking and lending capabilities," he explained.</p><p>Business Insider spoke to four successful fintech founders about the steps they took after raising funding - several of which involved a bigger investment in tech - how they made those big decisions, and how those steps have gone on to impact their businesses.</p>

VCs invested almost $40 billion in fintech last year. 4 major leaders describe the steps they've taken to grow their businesses after being flushed with cash.

<p><div class="KonaFilter image-container display-table float_right"><div><div class="image on-image"><p class="source"><span>Ramzi Dreessen/Avant</span></p><p class="caption">A games room at Avant's office.</p></div><p></p></div></div>The peer-to-peer lending industry is in a tailspin.</p><p>Leading players, many of which are valued at $1 billion or more, or cutting jobs. Loan volumes are plummeting.</p><p>One Wall Street stock analyst summed it all up in two brutal sentences.</p><p>"I used to think that online lending startups would explode when the credit cycle turned," the stock analyst told Business Insider.</p><p>"Now it looks like they won't even make it until the market turns."</p><p>The point here is that many people expected online lenders that started during the period of zero interest rate to struggle when rates started heading north. It's now clear that they're started suffering before we've even got to that point.  </p><p>Chicago-based online lender <a href="http://www.bloomberg.com/news/articles/2016-06-30/avant-said-to-slash-target-for-online-lending-shrink-workforce">Avant is laying people off</a> and expects originations to be cut in half, according to Dakin Campbell and Matt Scully at Bloomberg. That follows news earlier this week that LendingClub, a rival online lender, is <a href="http://www.wsj.com/articles/lendingclub-to-cut-179-positions-as-loan-volumes-fall-1467111409">planning to cut 12% of staff</a> amid dropping loan volumes.</p><p>The slowdown has come as the market for bonds backed by these kinds of loans has waned, and concerns have grown over lending standards. The number of loan delinquencies also appears to be on the rise. </p><p>"Delinquency rates for subprime and near prime personal loans originated by fintech and finance companies were as much as double those originated by banks for recent vintages," UBS analysts wrote in a recent note. "This illustrates the point that nonbanks are making riskier loans, even when one normalizes for credit scores, relative to banks."</p><p>LendingClub has encountered a number of problems since its CEO, <a href="http://www.businessinsider.com/lending-club-ceo-stepping-down-2016-5">Renaud Laplanche, unexpectedly resigned</a> in May.</p><p>His departure followed an internal investigation that found the company had changed the dates on $3 million of loans sold to Jefferies in a "violation of the company's business practices along with a lack of full disclosure during the review," according to a statement.</p><p>Goldman Sachs and Jefferies, which had been buying Lending Club's loans and packaging and selling them as bonds to investors, have both stopped doing deals with the startup. </p><p>And federal and state regulators have since subpoenaed the company, which was already facing two class-action lawsuits in the US.</p>     <div class="margin-top">        <h3>NOW WATCH: <a href="http://www.businessinsider.com/goldman-sachs-flags-emails-with-these-phrases-2016-6">These are the phrases that will get your email flagged at Goldman Sachs</a></h3>        <div>            <div>        <div class="ooyala-video-player" data-video-autoplay="false" data-video-id="JmMWw3NDE67SsX7jdg192zCLe6Blqs_t" data-player-variable="ooyalapopvideo" id="ooyalaplayer_popvideo" style="width:1280px;height:720px"></div>        </div>        </div>            </div>

A Wall Street analyst summed up the collapse in online lending in 2 brutal sentences

<p><div class="KonaFilter image-container display-table float_right click-to-enlarge"><div><div class="image on-image"><a title_source="Jessica Smith/Avant" title_caption="Robert Krzyzanowski, Avant's director of data engineering." class="zoomin" href="https://static-ssl.businessinsider.com/image/56f4be389105841d008b8beb-960/3e8a1492-edit.jpg"><span class="sprites click-to-enlarge-icon" title="Click to enlarge"></span></a><p class="source"><span>Jessica Smith/Avant</span></p><p class="caption">Robert Krzyzanowski, Avant's director of data engineering.</p></div><p></p></div></div>Robert Krzyzanowski is the kind of person who could choose to do many things with his life.</p><p>At 11, he <a href="http://articles.chicagotribune.com/2007-02-12/news/0702120190_1_boy-mathematics-high-schoolers">scored in the 97th percentile</a> in the math section of the SAT. At 16, Krzyzanowski, who <a href="http://articles.chicagotribune.com/2007-02-12/news/0702120190_1_boy-mathematics-high-schoolers">speaks three languages</a> fluently, was graduating from a special college-level program for gifted high school students at North Central in Naperville, Illinois.</p><p>By 23, he had a PhD in math from the University of Illinois at Chicago, and says he wanted to find a job where he had a real-world impact.</p><p>So Krzyzanowski, now 25, joined a little-known financial-technology start-up called <a href="https://www.avant.com/">Avant</a>.</p><p>The Chicago-based online lending platform is one of a handful of startups that are looking to overturn the consumer loan market by finding ways to approve loans faster than banks. Avant can approve a loan the same day, for some people.</p><p>Founded in 2012, Avant is the the fastest-growing online marketplace lender, having raised more than $1.6 billion in three years. It's also a member of the unicorn club, with a valuation of more than $2 billion.</p><p>A couple of years ago, it might have seemed a risky place to start a career. Krzyzanowski's telling of his experience at Avant hits all the perks of working at a tech startup, starting with the drive of his co-workers.</p><h2>The start-up 'drive'</h2><p>"Even in grad school, where you have people that are from a wide variety of backgrounds and are generally motivated, I hadn't really seen the kind of drive that you do in the first few years of a really fast-growing venture," he said.</p><p>While his academic background is in math and statistics, at Avant he manages the programmers.</p><p><div class="KonaFilter image-container display-table"><div><div class="image on-image"><p class="source"><span>Ramzi Dreessen/Avant</span></p><p class="caption">Inside Avant's Chicago headquarters.</p></div><p></p></div></div></p><p>Krzyzanowski likes being able to wear many hats at Avant, another perk of being at a small operation. He's also able to see the direct impact of his work.</p><p>"Whenever we have customers streaming, the work that I do and the work that the people I work with do - it's constantly making decisions and at every second it's actually having an impact on our customers," Krzyzanowski said. </p><p>"So without that kind of tethering to the real world, it's hard to justify any work you're doing, and I found that to be true moving from academia into the industry."</p><h2>What is data engineering?</h2><p>Krzyzanowski's analytics team essentially transforms any insights that the company has on potential customers into useful data points that can be used to analyze their worthiness as a borrower.</p><p>"What we do boils down to making decisions - but making them better and making them faster," Krzyzanowski said.</p><p>Avant must be able to decide whether customers are fraudulent or not. (There are two kinds of fraud, Krzyzanowski explained: soft fraud - like someone who uses their current credit rating to get a one-time loan, knowing for example they may have some large debt coming in - and hard fraud, like identity theft.)</p><p><div class="KonaFilter image-container display-table"><div><div class="image"><p class="source"><span>Jessica Smith/Avant</span></p></div><p></p></div></div></p><p>His team gauges that by using <a href="https://en.wikipedia.org/wiki/Offline_learning">"offline" tools</a> and machine-learning techniques to analyze hundreds or even thousands of variables to assess fraud risks. Most lenders are only able to analyze dozens of variables. </p><p>"Effectively what we're able to do is take these complicated algorithms and then translate them into code that can make the decision instantly," Krzyzanowski said.</p><p>They're able to do that because they've developed their own internal <a href="https://en.wikipedia.org/wiki/Syntax_(programming_languages)">programming syntax and grammar</a>.</p><p>"We really use best-in-class analytics and technology to provide a unique customer experience," Avant's CEO, Al Goldstein, told Business Insider.</p><p>Goldstein said that over 50% of Avant's customers get approved in real-time, while virtually all of them get funded the next business day.</p><p>"The result of that is really positive customer experience and customer satisfaction," he said.</p><p><div class="KonaFilter image-container display-table"><div><div class="image on-image"><p class="source"><span>Ramzi Dreessen/Avant</span></p><p class="caption">Inside Avant's Chicago headquarters.</p></div><p></p></div></div></p><p>This week Avant launched an auto finance product, and plans for a credit card product are in the works.</p><p>Goldstein wants to build out Avant's presence internationally, too, particularly in the UK and Canada.</p><p>Meanwhile, Krzyzanowski's analytics team has grown from 2 people to 30 and his position continues to grow with it.</p><p>"Coming in to work here I thought maybe I'll stay here long-term, maybe I'll stay a couple of months," Krzyzanowski said. </p><p>Two years later, it looks as though he may be in it for the long haul.</p>    <div class="margin-top">        <h3>NOW WATCH: <a href="http://www.businessinsider.com/bios-urn-human-remains-tree-2016-3">This startup uses cremated human remains to grow trees</a></h3>        <div>            <div>        <div class="ooyala-video-player" data-video-autoplay="false" data-video-id="l1dDlwMTE6g04tPqcMYTYPTv4D0WyD6j" data-player-variable="ooyalapopvideo" id="ooyalaplayer_popvideo" style="width:1280px;height:720px"></div>        </div>        </div>            </div>

This 25-year-old data engineer is helping disrupt the world of finance

<ul class="summary-list"><li>Speculation is the act of buying or selling assets that have an increased chance of significant losses.</li><li>Speculation is common among investors who trade penny stocks and over-the-counter (OTC) investments.</li><li>Speculation should be limited to ensure that long-term financial goals like retirement are not impacted.</li></ul><p>The bulk of investing advice, especially for those interested in retirement centers, are around slow and consistent gains over decades. But not every investor is content with the prospect of patient long-term gains. Some would rather aim for the home run trade - a move that could change their fortunes overnight. This is known as speculation and it doesn't come without significant risk.</p><h2><strong>What is speculation? </strong></h2><p>Speculation is the act of buying or selling assets that have an increased chance of significant losses. As speculative investors take on more risk, there's an expectation to achieve extraordinary returns which - in the mind of speculators - is compensation for the outsized risk.  </p><p>Speculative investors tend to be active traders. This means that they're attempting to beat the market average and have more of a hands-on approach, especially during short-term swings in the market. This is a stark contrast to more passive, <a href="https://www.businessinsider.com/personal-finance/what-is-buy-and-hold-investing-strategy" target="_blank" rel="noopener">buy-and-hold investors</a> who generally have more of a hand-off approach and do not adjust their investments as often. </p><p>The decision-making process for speculative investors can vary wildly in terms of sophistication. Some speculators base their investing decisions on social media groups and memes. This was, and still is, the primary driver behind the surge in stock price for companies like <a href="https://markets.businessinsider.com/news/stocks/gamestop-remains-a-highly-speculative-investment-1030265839" target="_blank" rel="noopener">GameStop</a> and <a href="https://markets.businessinsider.com/news/stocks/amc-stock-is-an-attractive-short-term-speculative-play-1030529037" target="_blank" rel="noopener">AMC Theaters</a>. Both companies were mired in financial trouble and at different points rumoured to file for bankruptcy prior to 2021. </p><p>Another example is Dogecoin, a cryptocurrency that saw massive spikes earlier this year when celebrities like Mark Cuban and Elon Musk discussed it on Twitter. After Elon Musk's Saturday Night Live appearance on May 8, 2021, Dogecoin <a href="https://markets.businessinsider.com/currencies/news/dogecoin-drop-robinhood-down-elon-musk-snl-episode-2021-5" target="_blank" rel="noopener">fell more than 30%</a>. A series of Musk's tweets were also blamed for the volatility in Bitcoin when Tesla announced it would take Bitcoin as a form of payment in February - only to reverse that decision in May and deciding again that the company will accept Bitcoin in June. In April, the price of Bitcoin was slightly above $65,300 which is significantly more than the current price of Bitcoin at $33,600 at the time of writing. </p><p>Other speculators base their decision on a "hunch" or market volatility, says Sabina Smailhodzic Lewis, CFP® and co-owner at Avant-Garde Wealth. "They're looking for pieces of information that scream potential to them and risk to everyone else," she added.              </p><p>Nearly every market has a speculative corner, but in today's investing environment, cryptocurrencies followed by NFTs (non-fungible tokens) are likely the most speculative. </p><h2><strong>How does speculation work in investing? </strong></h2><p>Speculation works when an investor has a strong worldview or prediction about an industry. Next, they typically identify a catalyst or event likely to spark a significant movement toward their initial prediction. If a speculator feels that the event is likely, they'll buy assets they believe will benefit them most if their prediction comes to fruition.  </p><p>An example might be the 2020 election cycle. At the time, many believed that if then-former Vice President Joe Biden won the presidency, that cannabis would be legalized on a federal level. Thus, companies like Tilray (TLRY), Canopy Growth Corporation (CGC) and Aurora Cannabis (ACB) <a href="https://markets.businessinsider.com/news/stocks/aurora-cannabis-stock-price-biden-election-lead-marijuana-stocks-2020-11" target="_blank" rel="noopener">were ground zero for speculators</a>.   </p><p>Speculation is common among <a href="https://www.businessinsider.com/how-to-invest-in-penny-stocks" target="_blank" rel="noopener">penny stocks</a> and <a href="https://www.businessinsider.com/what-is-otc" target="_blank" rel="noopener">over-the-counter (OTC) investments</a>. Companies that trade on OTC markets are not listed on formal exchanges like the <a href="https://www.businessinsider.com/new-york-stock-exchange" target="_blank" rel="noopener">New York Stock Exchange</a> (NYSE) or the <a href="https://www.businessinsider.com/what-is-nasdaq" target="_blank" rel="noopener">NASDAQ</a>. These investments tend to be inexpensive - usually less than $5 per share - but are highly risky because of the lack of oversight and their generally shaky financial histories.</p><p>In March 2020, the rental car company Hertz was trading as low as $0.41 cents and <a href="https://markets.businessinsider.com/news/stocks/hertz-reveals-stock-delisting-notice-nyse-appeal-pending-bankruptcy-rally-2020-6" target="_blank" rel="noopener">was delisted from the NYSE</a> just days before the company filed for Chapter 11 bankruptcy. Hertz then began trading on the OTC markets under the ticker symbol HTZGQ. Due to speculators betting on the company, Hertz stock price <a href="https://markets.businessinsider.com/news/stocks/hertz-stock-price-bankruptcy-exit-chapter-11-meme-investing-2021-7" target="_blank" rel="noopener">soared more than 1,100%</a> within just two weeks during the summer of 2020.</p><p><strong>Quick Tip: </strong>While not as common, speculation can also occur in venture capital markets and angel investing for new, up-and-coming companies.</p><h2><strong>Speculation within the forex and bond market </strong></h2><p>Foreign exchange (forex) is a highly speculative market in which investors trade currencies like the US dollar, Japanese Yen, and British Pound without a centralized exchange. The objective for Forex traders is to take advantage of short-term price movements between currencies. Forex, for individual investors, relies heavily on <a href="https://www.businessinsider.com/what-is-margin-trading-how-it-works" target="_blank" rel="noopener">margin</a> and <a href="https://www.businessinsider.com/leverage" target="_blank" rel="noopener">leverage</a>. </p><p>The Commodity Futures Trading Commission (CFTC), the federal agency that regulates forex,   requires a minimum of 2% deposit for trading, which means that $1,000 in a Forex account can invest up to $50,000, translating to a 50:1 ratio. If the investment moves in a positive direction, an investor can profit quickly - but if the market moves unexpectedly, a small $1,000 investment could result in thousands of dollars in debt.  </p><table style="border-collapse: collapse; width: 100%;" border="1"><tbody><tr><td style="width: 50%;"><strong>Downward move</strong></td><td style="width: 50%;"><strong>Potential loss</strong></td></tr><tr><td style="width: 50%;"><ul><li>1% </li><li>2%</li><li>20%</li></ul></td><td style="width: 50%;"><ul><li>$500 Loss</li><li>$1,000 Loss</li><li>$10,000 Loss</li></ul></td></tr></tbody></table><p>In the bond market, the line between investing and speculation is defined by bond rating agencies like Moody's, Standard and Poor's, and Fitch. Bonds that are considered strong, with a high likelihood that investors will receive their interest payments and principal, are known as "investment grade." Bonds with the lowest ratings are considered "speculative" and are sometimes called "junk bonds." Speculative grade bonds, however, often pay a higher interest rate to investors as compensation for the increased risk. </p><p><strong>Quick Tip:</strong> The rule for margin and leverage can vary based on the regulatory agency and the investment type. The Federal Investment Regulatory Authority (FINRA) regulates brokerage firms and requires a 25% minimum equity in margin accounts at all times. </p><h2><strong>Speculation vs. investment </strong></h2><p>In some circles, the terms speculation and investment are used interchangeably. But, practically, there are some key differences in the level of risk and the types of financial instruments used between investors and speculators.</p><p>"Someone who might be more speculative is typically higher net worth or they have more knowledge about a particular market or industry," said Tremaine Wills, a financial planner at Mind Over Money in Newport News, VA. That specialized knowledge and higher disposable income can result in a higher tolerance for risk than the average person she added.  </p><table style="border-collapse: collapse; width: 100%; height: 44px;" border="1"><tbody><tr style="height: 22px;"><td style="width: 50%; height: 22px;">Speculation</td><td style="width: 50%; height: 22px;">Investing</td></tr><tr style="height: 22px;"><td style="width: 50%; height: 22px;"><ul><li>Usually a very short time horizon ranging from a few hours to a few months</li></ul><ul><li>High risk, aggressive investing style</li></ul><ul><li>May include more niche investments like Forex, options, penny stocks, commodities, and more</li></ul></td><td style="width: 50%; height: 22px;"><ul><li>Long-term, usually multi-year approach   </li></ul><ul><li>Moderate risk profile, usually more passive </li></ul><ul><li>Generally includes more traditional, mainstream investment vehicles like stocks, bonds, and index funds</li></ul></td></tr></tbody></table><h2><strong>The financial takeaway</strong></h2><p>Speculation is not for the faint of heart. While the allure for big-time gains are present, it may be wise to consult a financial planner to ensure that you are not taking on more than you can handle. Also consider taking a risk tolerance questionnaire to help prepare and understand how you may react to losses.</p><p>Finally, make sure that you have a plan in place to address your immediate, short-term and long-term financial goals and keep them separate from any speculative moves you may have in mind.</p><a data-type="5ffe3955c645d76d5d4d4ab5">How to hedge against inflation with investments that keep pace with rising prices</a><a data-type="600aec9acbe91b1e763bfabd">What is OTC? A beginner's guide to over-the-counter markets, and the risks and rewards of investing outside the major stock exchanges</a><a data-type="604fb521cf7fcc07eb4574aa">What is a bond? How to earn a steady stream of income by loaning money to a business or government</a><a data-type="6015ff47aa63e0592f3157d3">'Buy the dip' means purchasing a promising stock when its price drops, assuming a fast rebound and future profits</a>

What to know about speculation: When investors buy high-risk assets with the expectation of significant returns

<p><div class="KonaFilter image-container display-table float_right"><div><div class="image on-image"><p class="source"><span>REUTERS/Jo Yong hak</span></p><p class="caption">Competitors in a three-legged race.</p></div><p></p></div></div>America's biggest banks are backing online lenders. </p><p>Wall Street institutions like Citigroup, JPMorgan and Barclays are <a href="http://www.wsj.com/articles/big-banks-start-to-embrace-startups-1451874204">partnering</a> with startups that, in many cases, set out to disrupt the banks they are now colloborating with. </p><p>Student loan refinancing specialist CommonBond on Tuesday <span>announced the closing of a $275 million warehouse line of funding from Macquarie Capital, Barclays and other investors.</span></p><p>"You'll start to see more and more banks partner" with startups, CommonBond CEO David Klein told Business Insider.</p><p>He considered working with "a number of banks on Wall Street" but ultimately settled on Macquarie Capital and Barclays - for now. CommonBond will expand into new lines of business like personal loans, according to Klein, who said the firm may even expand into mortgages in the future. </p><h2>Evolving from hedge funds to big banks</h2><p>The tie up between Macquarie and Barclays and CommonBonds marks the latest example of an establishment firm partnering with a online lending startup. </p><p>In 2015, Lending Club and Citigroup teamed up in a $150 million venture that is ongoing. And JPMorgan teamed up with online business lender On Deck Capital late in the year. </p><p>These arrangements help big banks that want to lend, and startups that want to make credit available to their users.</p><p><div class="KonaFilter image-container display-table float_left"><div><div class="image on-image"><p class="source"><span>SoFi</span></p></div><p></p></div></div>Whereas previously it was hedge funds and individual investors putting money to work through these platforms, now it is the big banks that the startups had been competing with.</p><p><span class="s1">"It's evolved from a smaller pool of capital [hedge funds] to a group of Wall Street banks," said Suk Shah, CFO at online lender Avant. "We have a consortium of banks" working with Avant. </span></p><p><span class="s1">This includes big banks like Credit Suisse and JPMorgan, and also smaller players like Jefferies, Shah said. </span></p><p>Mike Cagney, CEO of online lender SoFi, told Business Insider late last year he is <a href="http://www.businessinsider.com/mike-cagney-sofi-wall-street-banks-interview-2015-12">happy to partner up with Wall Street banks</a>. </p><p>"<span class="s1">We have a lot of bank participation," he told Business Insider. "[I]t's good for the banks, because they need the assets, and it's good for us, because we need the funding, and it's a very symbiotic relationship."</span></p>    <div class="margin-top">        <h3>NOW WATCH: <a href="http://www.businessinsider.com/turing-pharmaceuticals-ceo-martin-shkreli-daraprim-hedge-arrested-2015-12">The infamous pharmaceuticals CEO Martin Shkreli has been arrested</a></h3>        <div>            <div>        <div class="ooyala-video-player" data-video-autoplay="false" data-video-id="5jMW9reTr5qxe5Vl3v3TW7Gkcs2u-7as" data-player-variable="ooyalapopvideo" id="ooyalaplayer_popvideo" style="width:1280px;height:720px"></div>        </div>        </div>            </div>

You Searched For "avant personal loans" and got 9 results

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VCs invested almost $40 billion in fintech last year. 4 major leaders describe the steps they've taken to grow their businesses after being flushed with cash.

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