Upgrade vs Avant
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Upgrade
Manage your finances with a comprehensive mobile banking app. Access rewards checking, loans, and cards. Track balances, pay bills, monitor credit, and request cash advances.
- Cash back rewards on card purchases
- Manage personal loans and credit lines
- Track credit score and receive alerts
- High-yield savings accounts
- Cash advance requests
- Bill payment and balance checking
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Get easy and rewarding mobile banking all in one place! Open a high-yield savings account, check balances, pay bills, track cash back and manage loans, cards and more. Upgrade is a financial technology company, not a bank. • Track Rewards – Earn cash back rewards on credit card purchases¹ • Manage Credit Card, Personal Loan, Flex Pay buy now pay later, Upgrade Card, Auto Finance, Auto Refinance and Home Improvement accounts. Make payments and check your balance. • Sign up for Credit Health to monitor your credit score, get notified of changes, and use our simulator to see how different actions may impact your score. Share feedback at mobile_app_feedback@upgrade.com Personal Loan offers shown assume an APR of 12% and a term of 36 months for Faster Payoff and 48 months for Lower Payment. Personal Loan offers are subject to approval. For more information on Personal Loans through Upgrade visit https://www.upgrade.com/personal-loans/. ¹ Purchases accrue cash back when you pay them back. Certain limitations apply. See Upgrade.com for full Upgrade Cash Back Rewards Program details. All loans, credit cards, personal credit lines, and checking and savings accounts are provided by Upgrade's bank partners (www.upgrade.com/bank-partners/). Upgrade Visa® Cards and Upgrade Visa® Debit Cards are issued by Upgrade's bank partners, pursuant to a license from Visa USA Inc. Upgrade, Inc. (NMLS #1548935) holds the following state licenses (upgrade.com/State-Licenses) and does business under the following DBAs (https://www.upgrade.com/dba). Upgrade is a financial technology company, not a bank (https://www.upgrade.com/help/about-upgrade/overview/is-upgrade-a-bank/).
Avant
Manage your credit card or personal loan with this app. View transactions, schedule payments, and update payment methods. Access customer support easily within the app.
- Schedule or cancel payments
- View transaction history
- Add or remove payment methods
- Enroll in autopay
- See upcoming payments
- Access customer support
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Make a payment, view transactions and more. Manage your card or loan with ease. Stay on top of your finances with our mobile app, a streamlined modern solution to managing your Avant credit card or loan. Credit Card • Schedule or cancel payments • View transaction history • Add or remove payment methods • Enroll in autopay and paperless statements Personal loans • Schedule or cancel payments • See your upcoming payments and your payment history If you ever need help, our customer support agents are available via phone or email, one tap away in the app. About Avant We are a credit-first financial technology company helping our customers move financially forward with expanded access to credit cards and loans. We champion our customers at every step of their financial journey and take pride in providing them with top-tier customer support. Explore your financial choices today at avant.com. Note: You cannot apply for a loan or credit card through the Avant app. If you would like to apply, please visit www.avant.com. Avant branded credit products are issued by WebBank.
Screenshots
Verdict
The clearest difference is monetization model: Avant at free against Upgrade's free with in-app purchases. Upgrade's advantage is review sentiment (53% vs 35%) and iOS requirement (15.1 vs 17.0). On price, rating, ratings volume and update cadence there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.9 for Upgrade against 4.8 for Avant. Both are backed by a comparable volume of ratings — 84K and 127K respectively. Written reviews are what separate them: 53% of Upgrade's written reviews are positive against 35% of Avant's.
Upgrade ships an update every 11 days, Avant every 3 weeks. Both last shipped on November 11, 2026.
| Parameter | Upgrade | Avant |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (84K ratings) — better | 4.8 (127K ratings) |
| Positive reviews | 52.7% of reviews — better | 34.8% of reviews |
| Number of ratings | 84K | 127K — better |
| Update frequency | Every 11 days — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Best chart rank | #143 — better | #164 |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.1 — better | 17.0 |
| Further details — not scored | ||
| Size | 93 MB | 75 MB |
| Age rating | 17+ | 4+ |
| Developer | Upgrade, Inc. | Avant, LLC (US) |
Customer experience
Upgrade
Avant
User reviews
Upgrade
From 84K App Store ratingsWhat we love
- 🚀 Excellent, easy-to-use app
- 🔒 Robust fraud prevention
- 💰 Competitive interest rates and rewards
- 👍 Seamless account management
- 🏆 Helpful in improving credit and consolidating debt
Room to improve
- 🐛 Inconsistent account updates and transaction history
- 🤔 Unclear policies around credit limit changes
- ❌ Poor customer service and unresponsive to issues
- 💳 Card usage issues and unexpected account suspensions
- 🕰️ Slow processing of payments and deposits
Avant
From 127K App Store ratingsWhat we love
- 👍 Easy to use
- 🚀 Quick payments
- 💡 Helpful for rebuilding credit
- 🚀 Expeditious credit increases
- 👍 Great customer service
Room to improve
- 🐛 Frequent declines and account issues
- 🔒 Security concerns and account freezes
- 💰 High fees and interest rates
- 🕰️ Slow payment processing and balance updates
- 👎 Poor customer service and communication
Bugs and requests
Upgrade
Reported bugs
2 issues- Login issues and inability to reset passwords
- Discrepancies between app and website information
Requested features
3 requests- Ability to lock/unlock debit and credit cards
- Instant access to deposited funds
- Improved app stability and user experience
Avant
Reported bugs
3 issues- App crashes and login issues
- Inaccurate account balances and transaction history
- Unexpected account closures and cancellations
Requested features
5 requests- Add Apple Pay/Google Pay support
- Improve app usability and navigation
- Provide more transparency on account information
- Streamline address/information update process
- Offer more flexible payment options
In-app purchases
Upgrade
No in-app purchases
Avant
No in-app purchases
