Your plan is our plan.

Life's purchases come at you fast. U.S. Bank AvvanceTM is a new flexible financing option that makes those purchases possible.

We offer quick, seamless installment loan options at checkout - matched to each individual's financial needs.


What is Avvance?

Avvance is a point of sale lending solution that allows consumers to finance purchases quickly and easily, all embedded in a seamless payment process. Enrolled merchants can send their customers invoices with a link to a quick application process that provides customers with real-time credit decisions.


A new way to grow your business, hassle-free.

Avvance is a point of sale lending solution that allows your customers to finance their purchases quickly and easily. We seamlessly manage the payments, so you can concentrate on what’s important – growing your business.

Get paid in full, upfront

We pay you the transaction amount within 48 hrs.

No chasing payments

We collect monthly payments directly from your customer so you don’t have to.

More sales, more often

We give your customers buying power to make more purchases for new and repeat business.

Transparent pricing

You pay a fee for each loan and enrolling is free.


Avvance consumer installment loans are —

Affordable: Low-to-no interest rate financing options available

Upfront: Qualified loan options presented before any impact to credit score

Flexible: A variety of payment term options available

Simple: Quick to apply for and easy to manage with autopay

Transparent: Costs displayed upfront and no hidden fees


A new solution from a trusted partner.

Avvance is backed by the strength and stability of Elavon and U.S. Bank - a subsidiary of U.S. Bancorp, the fifth-largest commercial bank in the United States, headquartered in Minneapolis.

We match customers to installment loans provided by U.S. Bank - each to individual financial needs.


Want to give your business a boost?

Avvance is currently offered through participating merchants but like you, we are always looking to grow! Share a few details with our team and you'll get access to exclusive content about point of sale lending.


Answers to our most common questions.