Avoloan is a refinance platform that helps you turn your existing credit card debt into one lower-interest loan, with a single monthly payment and a clear debt-free date. How it works:
       1.        apply through the app
       2.        we review your credit card balances
       3.        you receive an offer with a lower interest rate
       4.        we pay off your credit cards directly
       5.        you make one monthly payment to Avoloan

We’re not a bank, and we don’t issue credit cards. Our goal is to help you move from revolving debt to a structured plan with a finish line you can see.

Most credit cards are designed to keep you in debt: with high interest rates, vague timelines, and minimum payments that barely make a dent.

Right now, the average credit card APR is over 20%, and in many cases, it’s even higher. That means your balance can grow faster than you’re able to pay it off.

Avoloan is built to do the opposite.

We help you refinance your existing credit card balances into one lower-rate loan, so you can simplify your payments and know exactly when you’ll be debt-free.

Unlike banks or credit card companies, we don’t profit from keeping you in a cycle. Our goal is to help you get out of it faster, and with less stress.

Avoloan is for anyone carrying credit card debt and looking for a simpler, faster way to pay it off.

Right now, we’re available to residents of Florida, with plans to expand to other states soon.

Whether you have $5,000 or $25,000 in balances, we help you replace multiple high-interest cards with one lower-rate loan and a single monthly payment.

If you’re:
• stuck making minimum payments
• paying 20%+ in interest
• juggling too many credit card bills
• or just tired of not seeing progress

To use the service, you’ll need to meet these criteria:
       1.        Be at least 18 years old
       2.        Live in Florida as your permanent residence
       3.        Have a credit history that meets our eligibility requirements, based on your credit report and other factors

Avoloan is built to help you move forward with less interest, less stress, and a debt-free date you can count on.

1. download the Avoloan app
• iPhone → App Store
• Android → Google Play

2. open the app and register
• tap “let’s go”
• enter your email
• confirm it with the code we’ll send you
• set your PIN (you’ll use it to log in securely)

3. start your application
• chat with Avo, our in-app assistant
• share a few personal details
• get your personalized refinancing terms

Once your offer is ready, you can review it and choose the one that works best for you.
That’s it! You’re on your way to saving with Avoloan.

To use the Avoloan app, you’ll need:
• iOS 16.0 or later
• Android 10.0 or later

We recommend keeping your device updated to the latest version for the best experience. This ensures full compatibility, better performance, and improved security.

Yes. Your security is our priority.

Avoloan uses 256-bit SSL/TLS encryption to protect your personal data and account details at every step. This is the same level of encryption used by major banks and financial institutions.

We also follow all applicable privacy and data protection laws, and we continuously monitor our systems to keep your information safe and secure.

Your data stays private, encrypted, and in your control.

No worries! Just send us an email at hello@avoloan.com from the email address you used to register.

In your message, please include:
• a short note that you forgot your PIN
• your security word
• your first and last name
• your date of birth

We’ll verify your identity and send you instructions to reset your PIN securely.

You can reach our team by email or by mail. We’re here to help!

Email:
hello@avoloan.com

Mailing addresses:
254 Chapman Rd, Ste 208 #17752
Newark, DE 19702, USA

2125 Biscayne Blvd, Ste 204 #19895
Miami, FL 33137, USA

We’ll get back to you as soon as possible.

Just send us an email at hello@avoloan.com from your registered email address.

In your message, include:
• your security word
• your first and last name
• your date of birth
• and the new info you’d like to update

We’ll verify your identity and take care of the changes.

No, we don’t charge any origination fees or fees for paying off your loan early.

A $10 fee applies to each transaction made by wire transfer
If you’re using ACH, your bank may charge a fee depending on their policies

We keep our fees transparent and avoid hidden charges, so you always know what to expect.

Right now, Avoloan is only available to residents of Florida. But we’re working on expanding to other states soon.

To use the service, you’ll need to meet these criteria:
       1.        Be at least 18 years old
       2.        Live in Florida as your permanent residence
       3.        Have a credit history that meets our eligibility requirements, based on your credit report and other factors

If you’re not in Florida yet, stay tuned! We’re growing.

Right now, Avoloan is only available in Florida due to licensing and regulatory requirements.

If you live in another state, you won’t be able to apply just yet. But we’re working on expanding.

here’s what you can do in the meantime:
• follow us on social media for updates
• be the first to know when we launch in your state

Instagram https://www.instagram.com/avoloanapp
Facebook https://www.facebook.com/avoloanapp
LinkedIn https://www.linkedin.com/company/avoloan
X https://x.com/avoloan

We’ll post all announcements on our official accounts. You won't miss a thing!

No, you don’t need to be a U.S. citizen to use Avoloan.

But you’ll need one of the following:
• a Social Security Number (SSN)
or
• an Individual Taxpayer Identification Number (ITIN)

This helps us verify your identity and review your application securely.

We use smart technology to keep things simple, secure, and cost-efficient.
By handling applications online and verifying your information digitally, we reduce overhead and avoid extra processing costs.

That means faster decisions for you and lower interest rates than traditional credit card companies.

We’re focused on helping you get out of debt, not keep you stuck in it.

No worries — you don’t need to start over.

If you made a typo in your email before confirming it:
       1.        Press and hold the message where you entered your email
       2.        Tap the “edit” button that appears
       3.        Enter the correct email address
       4.        We’ll send a new confirmation code to your updated email
       5.        Once you confirm, your application will continue as normal

Quick fix, and you’re right back on track.

If your confirmation code hasn’t arrived yet, here’s what to check:
       1.        Check your spam or promotions folder
Sometimes the email lands there. If you signed up with your phone number, check your SMS inbox too.
       2.        Double-check your email address
If you spot a typo, press and hold the message where you entered your email. Tap “edit” to correct it, and a new code will be sent to the updated address.
       3.        Tap “Resend code”
This option is available on the confirmation screen. A new code should arrive within a minute.
       4.        Still no luck?
Email us at hello@avoloan.com, and we’ll help you complete your registration.

Your secret word is part of how we verify your identity when you contact Avoloan support.

It can be a word or a six-digit combination. Something that’s easy for you to remember, but hard for others to guess.

You’ll only need it if you ever reach out for help with your account or need to update your personal info.

No. When you apply, we run a soft credit check. This doesn’t impact your credit score and is only visible to you.

A hard credit inquiry, which may affect your score, will only happen after your loan is issued.

We keep things transparent, so you always know what to expect.

n the app, you’ll see two questions about your income. Here’s how to answer each:

1. annual income (taxable)
This is your total income before taxes, also known as gross income.
Include:
• salary (including bonuses)
• part-time work or freelance jobs
• business income
• income from rent or investments (if it’s taxed)

2. non-taxable annual income
This is income you receive regularly but don’t pay taxes on.
For example:
• government benefits (like SNAP or housing assistance)
• alimony
• disability or insurance payments
• certain types of pension income

Providing accurate information helps us give you the best possible loan offer.

To review your application, we’ll ask for proof of regular income. You can choose one or more of the following:

accepted documents:
       1.        tax returns (last 2 years)
• Form 1040 — for self-employed or business owners
• Form W-2 — for salaried employees
• Form 1099 — for freelancers and contractors (e.g. 1099-MISC, 1099-NEC)
       2.        recent income proof (past 3 months)
• payslips (for salaried work)
• bank or payment system statements (for self-employed or business income)

file formats we accept:
PDF or JPEG

Sending clear and accurate documents helps us make a fair offer based on your real financial picture.

There’s no set limit on the number of cards you can refinance.

You can choose one, several, or all of the cards. As long as the total balance falls between $5,000 and $25,000.

Just select the cards that make sense for you. If they’re within the eligible range (from $5,000 to $25,000), we can include them in your refinancing offer.

To use Avoloan, your total credit card debt should be:
• at least $5,000
• no more than $25,000

This can come from one card or several. Just make sure the total amount you select falls within that range.

No, once you’ve selected the cards during the application process, you won’t be able to change them later.

After we review your application, Avoloan will show you several loan options to choose from. Each one will vary by:

• loan term — how long you’ll repay (e.g. 12, 24, or 36 months)
• interest rate (APR) — your annual percentage rate
• monthly payment — the amount due each month

what to keep in mind when choosing:

• pick a monthly payment that fits your budget
• shorter terms = less interest paid over time
• consider how stable your income will be over the next year or two

Once you select your terms, they can’t be changed later, so take a moment to choose what works best for you.

Once your loan agreement is issued, you’ll have 30 calendar days to sign it.

what happens if you don’t sign in time?

• the agreement will be automatically cancelled
• you’ll be able to reapply after 90 days

If you’re not ready to move forward, no problem! But be sure to act within the 30-day window if you want to keep your offer.

If your application wasn’t approved, we’ll send the reason to your registered email address.

You’re welcome to reapply after 90 days.

If you have questions or want more clarity, feel free to reach out to us at hello@avoloan.com. We’re here to help.

Yes — your loan can be cancelled, depending on where you are in the process.

before signing:
If you haven’t signed the loan agreement yet, there’s nothing you need to do. Just don’t sign it in DocuSign, and your offer will automatically expire after 30 days.

after signing:
If you’ve signed the agreement but don’t complete the payoff steps in the app (like confirming card details and tapping “pay off”), your loan will be automatically cancelled after 30 days.
You won’t owe anything, and no interest will apply.

but — if any card is paid off, even partially, your loan becomes active.
If you only pay off some of the selected cards, the loan amount will be reduced to reflect what was actually used, and your payment schedule will adjust automatically.

After you sign your loan agreement, you’ll have 30 days to pay off the credit cards you selected in the app.

Here’s how to do it:
       1.        Go to the Credit Cards section
       2.        Tap “Pay Off” next to each card
       3.        Review or update the card number if needed
       4.        Confirm the payoff — do this for each card

You can edit the bank details (like the card number) at any time during the 30-day window.

If Avoloan isn’t able to send the repayment to the provided account within 30 days, that card’s balance won’t be included in your loan.

In that case:
• your loan amount will be adjusted based on the cards we successfully paid off
• your repayment schedule and monthly payment will be updated automatically
• you can track the used loan amount and your new terms right in the app

To use your loan, you need to tap “pay off” for each selected credit card and confirm or adjust the bank details for repayment.

If you skip this step for any card, here’s what happens:

• that card won’t be paid off
• the loan amount will be reduced by the unpaid card’s balance
• your payment schedule will be automatically updated to reflect the new loan amount

There’s no penalty for using less than the approved loan, but your monthly payment may change.

Account closure confirmation is a document from your bank that proves your credit card account has been officially closed.

After signing your loan agreement, you’ll have 60 days to upload this confirmation for each card included in your refinancing.

Why does this matter?
Closing those cards helps you avoid the temptation to keep using them, because the goal is to move forward, not fall back into debt. You’re choosing financial freedom, and we’re here to support that.

what if you don’t close the cards in time?

Avoloan applies a penalty fee starting with your third monthly payment, and continuing until all account closure confirmations are submitted.

penalty amount based on loan size:
• loan up to $10,000 → $79/month
• $10,001 – $20,000 → $99/month
• $20,001 – $25,000 → $149/month

We’ll always send reminders before any penalty is applied.

If you don’t upload proof that your credit card accounts have been closed within 60 days of signing your loan agreement, Avoloan will apply a monthly penalty starting from your third payment. This fee continues until all required closure confirmations are uploaded.

penalty amounts by loan size:
• loan up to $10,000 → $79/month
• $10,001 – $20,000 → $99/month
• $20,001 – $25,000 → $149/month

If your uploaded document was rejected, it likely didn’t meet the requirements to be accepted as official proof of credit card closure.

common reasons for rejection:

• the document doesn’t clearly show that the account was fully closed
• missing key info like your name, account number, or closing date
• screenshot or photo instead of an official PDF or bank letter
• the file is corrupted, unreadable, or unrelated to the correct card
• the document only shows a balance, not confirmation of closure

what to do next:
       1.        contact your bank and request an official document, such as:
• account closure confirmation
• closure letter
• statement with a note like “account closed”
       2.        make sure it includes:
• your full name
• the closed account number
• the closing date
• confirmation that the debt has been fully paid and account closed
       3.        re-upload the corrected document in the Credit Cards section of the app

Still unsure? Reach out to us at hello@avoloan.com and we’ll guide you through it.

In the first 30 days after signing your loan agreement, the used loan amount shows how much of your approved loan has actually been transferred to your credit cards.

Each time you pay off a card in the app, this number updates.
Your payment schedule is also recalculated based on the total amount used, so you’re only repaying what was actually applied to your balances.

You can make payments to your Avoloan account by adding funds through:
• Wire Transfer
• ACH (bank-to-bank transfer)
• Zelle

You’ll find all the details you need in the “add funds” section of the app.

a few important things to know:

• Always include your Avoloan account number in the payment reference. Without it, we may not be able to credit your payment.
• Avoloan charges a $10 fee for Wire Transfers. Your bank may also charge fees for Wire or ACH payments.
• Processing time varies by method: anywhere from a few hours to up to 3 business days.

Once your account is funded, Avoloan will automatically deduct your payment on the due date, no extra steps needed.

Avoloan charges a $10 fee for Wire Transfers. This fee is deducted directly from the amount you transfer.

If you’re using ACH or Wire Transfer, your bank may also charge additional fees. We recommend checking with your bank beforehand to avoid surprises.

There are no fees from Avoloan for using Zelle.

On your payment due date, Avoloan will try to deduct your monthly payment four times during the day, based on New York time (Eastern Time – EST or EDT depending on the season):

🕙 10:00 AM
🕑 2:00 PM
🕖 7:00 PM
🕛 11:59 PM

Make sure your account is funded on time so your payment goes through smoothly.

If your account doesn’t have the full amount due, Avoloan will still deduct whatever funds are available as a partial payment.

The unpaid portion will be marked as overdue, and you’ll need to cover it as soon as possible to stay on track with your loan.

We’ll send you reminders so you’re always aware of what’s left and how to catch up.

If your monthly payment isn’t made in full by the due date, here’s what to expect:

• A $29 late fee is charged for your first overdue payment in a 6-month period
• For any additional late payments in that same period, the fee goes up to $40

If the payment is still unpaid 29 days after the due date, an additional fee of 5% of the missed payment amount will apply.

We’ll keep you updated along the way so you’re never caught off guard.

We calculate interest daily using a 365-day year.

Here’s how it works:
Each day, your interest is based on your APR and your remaining loan balance. So the daily interest = (APR ÷ 365) × your remaining balance

That means the faster you pay down your balance, the less interest you’ll pay overall.