Typical payday loans offer between $250-$300. With Opportunity Financial's installment loan you can get up to $1,000 as a first time borrower and up to $2,000 with an established payment history1.

Pay Over Time

Our loans are paid back over a 6-10 month period keeping your payments affordable. Loans NEVER have pre-payment penalties. In addition, the loan is FULLY amortizing which means each installment payment you make pays down principal and interest.

Save Money

Our interest rate is typically 40-70% less then a payday lender's. We have helped thousands of people save on bank NSF fees, late rent charges and utility disconnect fees1.

Apply Online

With our safe and secure application, applying is fast and easy. Access our site easily from any device: personal computer, tablet or mobile phone.


Once we verify your information, we will tell you how much you are approved for.

Get cash as soon as tomorrow

Once approved, your funds will be directly deposited into your account as early as the next business day (for transactions completed by 7:30 PM ET)*.

The True Cost behind late and Bank Fees

* Opportunity Financial, LLC lends or arranges loans in the following states: Delaware, Illinois, Missouri, New Mexico, Ohio, South Carolina, Texas, Utah and Wisconsin. We are a state licensed lender in: Delaware, Illinois, Missouri, New Mexico, South Carolina, Utah and Wisconsin. In Texas we are a state licensed credit access business who arranges loans by a third-party lender. In Ohio we are a state licensed credit services organization who arranges loans by a third-party lender. We do not lend or arrange loans in all states. Applicants must be 18 years of age to apply. Not all applications are approved. Applications processed and approved before 7:30 p.m. ET are typically funded the next business day. In some cases, we may not be able to verify your application information and may ask you to provide certain documents. Some customers applying for a loans may be required to submit additional documentation due to state law and qualification criteria. Maximum loan amount for initial loan is $1,000. Loan amounts may vary and are dependent upon qualification criteria and state law. Refer to Loan Cost & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within the transaction documents, such as the Loan Agreement.

Please note: This is an expensive form of credit. This service is not intended to provide a solution for longer-term credit or other financial needs. Loans made or arranged by Opportunity Financial are designed to help you meet your short-term borrowing needs. Other forms of credit may be less expensive and more suitable for your financial needs including, but not limited to: borrowing from a friend or relative, home equity line of credit, existing savings, credit card cash advance.This web site contains numerous testimonials from past clients. Testimonials provide the perspective of individuals who are successful and/or enthusiastic about their experience. Testimonials are not representative of everyone's experience and only provide information about the individual's experiences as to the point in time when they are provided. Individual results will vary. Testimonials may be edited for clarity or brevity. Please note that the photographs included with the testimonials are not the actual person who made the testimonial. No one has been paid to provide a testimonial. Please do not make any credit decisions or any financial decisions based on what is said in the testimonial or on the photographs you see.

1Loan amounts may vary and are dependent upon qualification criteria and state law. First time Opportunity Financial customers typically qualify for an installment loan of $250 to $1,000 with an APR of 99 to 160%, or 40 to 70% less than the average 600% APR for a payday loan. For example, a $500 loan made or arranged by Opportunity Financial at 99% to 160% APR would require 11 to 17 bi-weekly installment payments of $40 to $60. After the 11th and 17th successful payment, your loan would be paid in full. A typical payday loan of $500 with an APR of 600% and a fourteen (14) day term would require one payment of $615.07. Typical payday loan pricing is based on Texas-originated loans facilitated by credit access businesses.

Implications of Late Payments

Individuals who do not pay their short term loans back on time may be subject to additional fees and collection methods. These will be clearly stated in the contract, so borrowers should be sure to review this information before providing their electronic signatures on any legally binding documents.

Implications of Non-Payment

  • Financial Implications The borrower will accrue additional interest and a late payment fee of $10 to $15 for every payment that is more than 10 to 14 days past due and is clearly stated in the TILA disclosures in the contract and is based on state rules and regulations. In addition, a $25 fee will be charged when a payment is returned by your bank.
  • Debt Collection We perform our own collections and also work with a third party collection agency. Opportunity Financial adheres to the regulations set forth by the Fair Debt Collection Practices Act, or FDCPA. These regulations can be found at the FTC website located here:
  • Reflection on Credit Score As with other forms of consumer debt, failure to repay short term loans in a timely manner may reflect poorly on the borrower’s credit. This is because we have the right to file reports with credit rating companies when debts are not repaid, thereby negatively impacting the borrower’s credit score. After the loan has been repaid, the credit report will be updated.
  • Automatic Loan Renewal Loans we make or arrange are fully amortizing installment loans. A loan is not automatically renewed.