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The first step in applying for a loan through the OppLoans Lending Platform is to fill out the online loan application. To be eligible for a product with our lending partners through the OppLoans Lending Platform, 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

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.

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

An online personal loan is a loan made to an individual rather than a business. They are usually sought in order to consolidate debt or to cover emergency expenses. The two main types of online personal loans are “secured” loans and “unsecured” loans.

Secured Loan: A secured loan is one where property is pledged as collateral. For instance, a mortgage is a secured loan with the borrower's house serving as collateral. Should the borrower be unable to repay and default on the loan, the collateral will be claimed by the lending institution as compensation.

Unsecured Loan: An unsecured loan is one where no property is pledged as collateral. The loan is approved entirely on the individual's ability to repay.

Outside of mortgages and auto loans, the majority of online personal loans are unsecured. Because the borrower's credit score is a major factor in determining their creditworthiness, individuals with low credit scores are usually unable to get approved for an unsecured, online personal loan from a bank or traditional lender.

OppLoans leverages cutting-edge technology and customer data to evaluate our customers on a person-by-person basis. We work with our lending partners to tailor products available through the OppLoans Lending Platform toward a customer's ability to repay.

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:

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.

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


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

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

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


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


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

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

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