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ONLINE LOANS
DESIGNED FOR YOU

 * Same-day funding available.1
 * Personal service
 * No hidden fees

Apply Now

Did you receive a code in the mail? Click here



Testimonials reflect the individual's opinion and may not be illustrative of all
individual experiences with OppLoans.


OUR LOAN APPLICATION PROCESS

Applying does NOT affect your FICO® credit score.2

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TELL US ABOUT
YOURSELF

Fill out our fast and easy online loan application.

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VERIFY YOUR
INCOME

Securely connect your bank account.

opploans_three


GET A QUICK
DECISION1

We’ll use the information you provide to see if we can find you a match.

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SAME-DAY FUNDING
AVAILABLE

If approved, you may receive money in your account as soon as the same business
day!1

Apply Now Learn More


FAQS


WHAT ARE THE ELIGIBILITY REQUIREMENTS TO APPLY FOR AN ONLINE PERSONAL LOAN?
STAT_MINUS_1

The first step in applying for a loan through OppLoans is to fill out our online
loan application. To be eligible for a lending product through OppLoans,
potential borrowers must:

 * Be 18 years or older
 * Have a bank account (checking account or saving account)
 * Reside in one of the states in which we currently operate
 * Have a regular source of income (Income can be from employment or from
   benefits including Social Security, Disability, etc. Please note: alimony,
   child support, or separate maintenance income is optional to include)
 * Receive income through direct deposit


HOW MUCH MONEY CAN I APPLY FOR WITH AN ONLINE PERSONAL LOAN THROUGH THE OPPLOANS
LENDING PLATFORM? STAT_MINUS_1

Consumer products offered through the OppLoans website range from $500 to
$4,000, but your eligibility will depend on your state of residence, income,
ability to repay, and creditworthiness.

For more information about the product options and lender(s) in your state,
please visit our Rates and Terms page.


HOW ARE OPPLOANS ONLINE PERSONAL LOANS DIFFERENT? STAT_MINUS_1

We truly care about our customers and work hard to be flexible for each of our
customer's unique situations. We want to make sure borrowers get the best loan
from one of our bank partners made through the OppLoans Lending Platform.

Unlike some financial institutions (and quite unlike payday loans5), bank
partners don't charge origination fees or prepayment fees on loans originated
through the OppLoans Lending Platform. Loans originated through the OppLoans
Lending Platform charge simple, fixed rate interest and contain no hidden fees.

Loans made by our bank partners through the OppLoans Lending Platform do not
base funding decisions exclusively on FICO credit scores or credit history.

Further, OppLoans reports payments to all three major credit bureaus to help
borrowers in good standing build their credit history.6


WHAT IS AN ONLINE PERSONAL LOAN? STAT_MINUS_1

Online personal loans are unsecured installment loans offered by some online
lenders and traditional banks. Broadly, online credit products may take the form
of a line of credit, a cash advance, or other loan options.

Online personal loan offers should clearly disclose the loan's APR (annual
percentage rate), the term, and any fees such as finance charges.


WHAT CAN YOU USE AN ONLINE PERSONAL LOAN FOR? STAT_MINUS_1

Online personal loans can be used for a wide variety of family and household
purposes. Maybe you're looking for a loan to help consolidate debt from multiple
credit cards, or maybe you need to fund an expensive home improvement or car
repair. Also, if you're looking to turn bad credit into good credit, the right
online personal loan may help you do that.

OppLoans customers have used their loan amounts for:

 * Car repair loans
 * Home repair loans
 * Debt consolidation loans
 * Loans to help pay off medical debt

Whatever your reason for searching online lenders (and whether you have
excellent credit, bad credit, or you land somewhere in the middle), there are
terms and conditions of the loan that you'll want to understand. Borrowers
should always be clear on the interest rate, repayment terms, and whether or not
the lender will run a hard or soft credit check.


HOW DOES REPAYMENT OF A PERSONAL LOAN WORK? STAT_MINUS_1

OppLoans believes in matching borrowers with the best possible loan for them. If
we're able to provide you with an online personal loan product, we want to make
sure your repayment options are both clear and affordable across the life of the
loan term.

OppLoans offers multiple recurring payment options including ACH and paper check
options. For single payments, debit cards are also accepted.

For more details, see our FAQ: How Can I Repay My Online Personal Loan?


WHY OPPLOANS IS RIGHT FOR YOU

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EASY TO APPLY

Our online application process is convenient and only requires personal and
employment information for quick and easy completion.

event_available


SAME-DAY FUNDING AVAILABLE

If approved, you may receive money in your account as soon as the same business
day!1

support_agent


LOAN SUPPORT AT EVERY STEP

Our top-rated Loan Advocates are available to provide support at every step of
the application process. We succeed when you do!

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SAFE AND SECURE

We are dedicated to protecting your information and communications with advanced
256 bit encryption technology.

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TRANSPARENT PROCESS

We supply you with an easy-to-read schedule with predictable payments and the
ability to set up automatic payments.

account_balance


BUILD CREDIT HISTORY

We report your payment history with us to the three major credit bureaus, so
every on-time payment you make may help boost your credit history.6

 * check_circle
   
   
   EASY TO APPLY
   
   Our online application process is convenient and only requires personal and
   employment information for quick and easy completion.

 * event_available
   
   
   SAME-DAY FUNDING AVAILABLE
   
   If approved, you may receive money in your account as soon as the same
   business day!1

 * support_agent
   
   
   LOAN SUPPORT AT EVERY STEP
   
   Our top-rated Loan Advocates are available to provide support at every step
   of the application process. We succeed when you do!

 * vpn_lock
   
   
   SAFE AND SECURE
   
   We are dedicated to protecting your information and communications with
   advanced 256 bit encryption technology.

 * folder_open
   
   
   TRANSPARENT PROCESS
   
   We supply you with an easy-to-read schedule with predictable payments and the
   ability to set up automatic payments.

 * account_balance
   
   
   BUILD CREDIT HISTORY
   
   We report your payment history with us to the three major credit bureaus, so
   every on-time payment you make may help boost your credit history.6


READ WHAT PEOPLE ARE SAYING

The testimonials on our third-party review websites reflect the individual's
opinion and may not be illustrative of all individual experiences with OppLoans.

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 * 

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Read Our Reviews


MAKING PERSONAL FINANCE APPROACHABLE


 * THE OPPU MONEY GUIDE: A FINANCIAL MANAGEMENT TOOL
   
   Pick up best practices for managing finances, from budgeting for all types of
   households to dealing with income challenges.
   
   


 * HOW TO SURVIVE AND BUDGET WHEN YOU’RE MAKING MINIMUM WAGE
   
   Finding extra money to put aside isn’t easy when you’re working a minimum
   wage job, but that doesn’t mean you can’t do it.
   
   


 * ‘SHOULD I BUY THIS?’ A FINANCIAL FLOWCHART FOR SMART SPENDING
   
   Are you a smart spender? These 5 questions will make you one.
   
   


 * THE OPPU MONEY GUIDE: A FINANCIAL MANAGEMENT TOOL
   
   Pick up best practices for managing finances, from budgeting for all types of
   households to dealing with income challenges.
   
   


 * HOW TO SURVIVE AND BUDGET WHEN YOU’RE MAKING MINIMUM WAGE
   
   Finding extra money to put aside isn’t easy when you’re working a minimum
   wage job, but that doesn’t mean you can’t do it.
   
   


 * ‘SHOULD I BUY THIS?’ A FINANCIAL FLOWCHART FOR SMART SPENDING
   
   Are you a smart spender? These 5 questions will make you one.
   
   

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BY CLICKING CONTINUE, YOU WILL BE TAKEN TO AN EXTERNAL WEBSITE THAT IS NOT
OPERATED OR MANAGED BY OPPFI.

By clicking Continue, you will be taken to an external website that is not
operated or managed by OppFi. Please be advised that you will no longer be
subject to, or under the protection of, OppFi's privacy and security policies.
We encourage you to read and evaluate the privacy and security policies of the
site you are entering, which may be different than those of OppFi. Further,
OppFi is not responsible for and does not endorse, guarantee, or monitor
content, availability, viewpoints, products, or services that are offered or
expressed on external websites.

Cancel Continue


MISSION

Mission

To facilitate safe, simple and more affordable credit access to everyday
Americans who currently lack traditional options while rebuilding their
financial health.


SERVICE

Service

OppLoans online loan platform offers installment loans to middle-income
consumers, who may have bad credit or no credit. Here is additional information
for those looking for these types of loans: personal loans, loans for bad
credit, or no credit check loans.


ONLINE PERSONAL LOANS

Online Personal Loans

Online personal loans can be used to tackle bills like unexpected car repairs,
home repairs, surprise medical expenses, or travel expenses.


FINANCIAL EDUCATION

Financial Education

OppU provides resources, tools, and knowledge to empower you to make educated
everyday financial decisions. From building an emergency fund to paying down
debt, let us guide you to financial wellness.


OPPLOANS OFFERS

OppLoans Offers
 * Online Personal Loans
 * Rates and Terms


LEARN

Learn
 * OppU
 * FAQs
 * Resources


LEGAL

Legal
 * Accessibility
 * Security
 * Terms of Use
 * Privacy
 * CCPA


ABOUT

About
 * Investor Relations
 * Our Mission
 * Contact Us

Follow Us

 * facebook
 * twitter
 * instagram
 * linkedin




© 2024 Opportunity Financial, LLC. All Rights Reserved. Use of Opportunity
Financial, LLC is subject to our Terms of Use and Privacy Policy.

California Disclosures and Privacy Policy | California Consumers can opt-out of
the sale of personal information by clicking Do Not Sell My Personal
Information.

Applications submitted on OppLoans' website and Lending Platform will be
originated by one of our lending partners and serviced by OppLoans.

1Subject to credit approval and verification. Actual approved loan amount and
terms are dependent on standard underwriting guidelines and credit policies.
Funds may be deposited for delivery to your bank via ACH as soon as the same
business day if verification is completed and final approval occurs before 12:00
PM CT on a business day. If approval occurs after 12:00 PM CT on a business day
or on a non-business day, funds may be delivered as soon as the next business
day. Availability of the funds is dependent on how quickly your bank processes
the transaction.

2OppLoans' Bank Partners may use credit report information provided by Clarity
Services and Experian as part of the application process to determine your
creditworthiness. Neither credit inquiry will appear as a hard credit inquiry on
your Experian credit report and therefore they will not affect your FICO score.

5According to the Consumer Federation of America, a non-profit consumer advocacy
group, payday loans range in size from $100 to $1,000, depending on state legal
maximums, and carry an average annual percentage rate (APR) of 400%. The maximum
APR for a loan offered through and serviced by OppLoans is 179% and loan sizes
range from $500 to $4,000. https://paydayloaninfo.org/how-payday-loans-work/

6OppLoans and its Bank Partners report customer payment history to the three
major credit bureaus. On-time payments may improve credit score.

USA PATRIOT ACT NOTICE: IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW
ACCOUNT

To help the government fight the funding of terrorism and money laundering
activities, Federal law requires all financial institutions to obtain, verify,
and record information that identifies each person who opens an account. What
this means for you: When you open an account, we will ask for your name,
address, date of birth, and other information that will allow us to identify
you. We may also ask to see your driver's license or other identifying
documents.

If you have questions or concerns, please contact the Opportunity Financial
Customer Support Team by phone at (800) 990-9130, Monday – Friday, 7 a.m. –
11:30 p.m. and Saturday and Sunday between 9 a.m. – 5:00 p.m. Central Time, or
by sending an email to info@opploans.com.

LCR-5208

California Residents, view the California Disclosures and Privacy Policy for
info on what we collect about you.