Avvance Financing

How do I pay my monthly installment payments?

After your transaction is complete, you'll receive an email inviting you to register your account online. You can setup automatic payments and directly link monthly installment payments to your bank account. You can also pay by mail with the instructions provided.



Can I make more than one purchase using Avvance?

Each individual may have up to four concurrent loans with Avvance at any given time.

Get Pre-Approved

Pay it your way.

Don't want to pay it all today?
You don't have to.

Meet U.S. Bank Avvance™, a flexible consumer financing option that makes life's purchases possible.

Avvance App

Your plan is our plan.

Whether your purchase is planned or unplanned, Avvance is an installment loan solution to help you finance purchases quickly and easily.

We match you to loan options provided by U.S. Bank that are customized to your individual needs. It’s a quick, seamless application.

Avvance installment loans are:
  • Affordable: low-to-no interest rate financing available.1
  • Upfront: see qualified installment loan options before any impact to your credit score.
  • Flexible: choose your payment terms.
  • Simple: quick to apply for and easy to manage with autopay.
  • Transparent: no hidden fees.2

Frequently Asked Questions

What is Avvance?
Avvance is an installment loan3 solution to help you finance your purchases. You can see qualified installment loan options before any impact to your credit score. Choose the option that works best for you, right from your device.
How does it work?
When you choose Avvance, you'll be prompted to fill out an application for real-time approval. If you qualify, select one of the offered installment loans. We'll pay the merchant for the purchase, and you'll pay your monthly installments to U.S. Bank.
How long does the application take?
The application is simple and only takes a few minutes. Once you submit the application, you’ll receive a loan decision in seconds.
Does this involve a credit check?
After entering your information, we will run a “soft” credit check and you will be shown the loan terms you qualify for. If you decide to proceed with an installment loan, we may run a “hard” credit check which will impact your credit file.
How do I manage installments?4
After selecting your loan, you can enroll in online banking to manage monthly installments, check balances, get statements and make monthly payments.

1 For qualified applicants. A $1,500 purchase might cost $319.21/month over 36 months at 12.99%% APR. Example loans shown are for illustrative purposes only. The Annual Percentage Rates (APR) are between 0% and 24.99% and are subject to an eligibility check and approval. Maximum loan amounts may vary by credit score. Payment options depend on your purchase amount. Payment options are provided by U.S. Bank.

2 Late fee may be assessed.

3 Installment loans are offered by U.S. Bank National Association.

4 Automatic payments and U.S. Bank personal checking or savings account aren’t required for loan approval. To pay your bill online, set up autopay and view statements for your U.S. Bank Avvance installment loan, you must sign up for and use the U.S. Bank Mobile App or online banking.