Buy Now, Pay Later with Avvance

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 customer'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

Receive your funds in full, within 48 hours, on every transaction.


Win more sales, more often

Give your customers the confidence to buy now.


Increase transaction sizes

Financing makes important purchases affordable.




Stand apart from the competition

You choose which financing options you want to offer.  

Attract more customers with 0% financing for shorter periods or help customers spread payments over a longer term with a competitive rate. You decide.


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 terms available

Fast and 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're always looking to grow! Share a few details with our team to get started, and gain access to exclusive point of sale lending content.


Answers to our most common questions