How to pay your Avant credit card
Avant offers three main ways to pay your credit card bill: online through your account portal, by phone with a customer service representative, or by automatic transfer from your bank account. The online method is fastest — payments post the same business day if submitted before 5 p.m. ET on a weekday. Phone payments also post the same day but require speaking with someone. Setting up autopay takes a few minutes and removes the need to remember a due date each month.
You will need your Avant account number and either a bank account for transfers or a debit card for one-time payments. If you are paying by mail, Avant's mailing address appears on your statement, but mail payments take 7 to 10 business days to post, so this method is not recommended if you are close to your due date.
Key Takeaways
- Online payments through your Avant account portal post the same business day if submitted before 5 p.m. ET on weekdays.
- Autopay from your bank account removes the risk of missing a due date and can be set up in your account settings in minutes.
- Phone payments are available seven days a week but require you to speak with a representative and verify your identity.
- Mail payments take 7 to 10 business days to arrive, so plan ahead if you choose this method.
Paying online through your Avant account
Log into your Avant account on their website or mobile app, then navigate to the payments section. You will see your current balance, minimum payment due, and the due date. Select "Make a Payment" and enter the amount you want to pay — you can pay the full balance, the minimum, or any amount in between. Choose your payment method: bank account (ACH transfer) or debit card.
If you use a bank account, the transfer is free and posts the same business day. If you use a debit card, Avant may charge a fee — check the payment screen before confirming. After you submit, you will receive a confirmation number. Save this or take a screenshot, as it serves as your proof of payment.
Setting up automatic payments
Autopay is the simplest way to avoid late payments. In your account settings, find the autopay or recurring payment section. You will link a bank account and choose a payment date — most cardholders select the due date shown on their statement. You can set autopay to pay the full balance, the minimum payment, or a fixed amount each month.
Once autopay is active, the payment withdraws automatically on your chosen date. You can change or cancel autopay at any time through your account. If your balance changes significantly or you want to skip a month, log in and adjust the settings before the payment date.
Paying by phone
Call Avant's customer service number, which appears on your statement and on their website. A representative will ask for your account number and the last four digits of your Social Security number to verify your identity. Tell them the amount you want to pay and confirm your payment method — they will accept bank account transfers or debit card payments.
Phone payments post the same business day if made before 5 p.m. ET on weekdays. Weekend and holiday payments post on the next business day. You will receive a confirmation number over the phone; write it down or ask the representative to email it to you.
Understanding payment timing and due dates
Your due date appears on your monthly statement and in your online account. Payments must post by 11:59 p.m. ET on the due date to avoid a late fee. Online and phone payments submitted before 5 p.m. ET on a business day post the same day. Payments submitted after 5 p.m. or on weekends post the next business day.
If you are close to your due date, use online or phone payment rather than mail. If your due date falls on a weekend or holiday, Avant typically extends the important date to the next business day, but do not rely on this — pay early instead. Check your statement for the exact due date, as it may shift based on your billing cycle.
What to do if you cannot pay on time
If you know you cannot make your payment by the due date, contact Avant before the date passes. Explain your situation and ask whether they offer a hardship program, payment plan, or due date extension. Some card issuers will work with you to avoid a late fee if you reach out proactively.
A late payment reports to credit bureaus and damages your credit score. Even one late payment can lower your score by 50 to 100 points. If you miss a payment, pay it as soon as you can — the sooner you bring the account current, the sooner the damage stops compounding.
Frequently Asked Questions
Do I have to pay the full balance or can I pay just the minimum?
You can pay any amount between the minimum and the full balance. Paying only the minimum keeps your account current but leaves you carrying a balance that accrues interest. Paying more than the minimum reduces the total interest you pay over time.
Is there a fee for paying online?
Paying online with a bank account transfer (ACH) is free. Paying with a debit card may carry a fee — Avant will show you the fee amount before you confirm the payment. Check the payment screen to see whether your chosen method has a cost.
Can I set up autopay for a specific amount instead of the full balance?
Yes. When you set up autopay, you can choose to pay the full balance, the minimum payment, or a fixed dollar amount each month. You can change this setting anytime through your account.
What happens if I pay after the due date?
A payment made after the due date is considered late. Avant will charge a late fee and report the late payment to credit bureaus. The longer the account stays past due, the more damage it does to your credit score.
Can I pay my Avant credit card with another credit card?
Avant does not accept credit card payments directly. You can pay only with a bank account transfer or debit card. If you want to use a credit card, you would need to use a third-party payment service, which may charge its own fees.